Privacy Policy

How we collect, use, and protect your personal information.

Last Updated: March 1, 2026

1. Introduction

Upper Amenfi Community Bank PLC ("UACB", "we", "our", or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, store, and protect information gathered through our website (upperamenfirb.com).

We comply with the Ghana Data Protection Act, 2012 (Act 843) and other applicable data protection regulations.

2. Information We Collect

Information You Provide

Full name, email address, and phone number when you submit a contact form
Messages and inquiries you send us through the website
Email address when you subscribe to our newsletter

Information Collected Automatically

Browser type, operating system, and device information
IP address and approximate geographic location
Pages visited, time spent on pages, and navigation patterns
Referring website or source

3. How We Use Your Information

We use the information we collect to:

Respond to your inquiries and provide customer support
Send you newsletters and banking updates (with your consent)
Improve our website and user experience
Analyze website traffic and usage patterns
Comply with legal and regulatory obligations

4. Cookies

Our website uses cookies — small text files stored on your device — to enhance your browsing experience. We use cookies for:

Essential cookies: Required for the website to function properly
Analytics cookies: Help us understand how visitors interact with our website
Preference cookies: Remember your settings and choices

You can manage cookie preferences through our cookie consent banner or your browser settings.

5. Data Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your data with:

Bank of Ghana and regulatory bodies as required by law
ARB Apex Bank Limited in the course of normal banking operations
Service providers who assist with website hosting and analytics (under strict confidentiality agreements)

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

SSL/TLS encryption for data in transit
Secure server infrastructure
Regular security reviews and updates
Access controls limiting data access to authorized personnel

7. Your Rights

Under the Ghana Data Protection Act, 2012, you have the right to:

Access the personal data we hold about you
Request correction of inaccurate data
Request deletion of your data (subject to legal obligations)
Object to or restrict certain processing of your data
Withdraw consent at any time

8. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, or as required by law. Contact form submissions are retained for up to 12 months. Newsletter subscriptions remain active until you unsubscribe.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to read their privacy policies.

10. Children's Privacy

Our website is not directed at children under 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically.

12. Contact Us

If you have questions about this Privacy Policy or wish to exercise your data rights, please contact us:

Email: info@upperamenfirb.com
Phone: +233 (0) 509 314 527
Address: Upper Amenfi Community Bank PLC, Ankwaso, Wassa Amenfi, P.O. Box 399, Dunkwa-on-Offin

You may also contact the Data Protection Commission of Ghana if you believe your data protection rights have been violated.