Privacy policy

This privacy policy regulates how personal information can be used by CDML (SA) – COMMUNICATION DIGITALE ET MEDIA EN LIGNE and Group of the company. To preserve the confidentiality of all information you provide to CDML (SA), we maintain the following privacy principles:

  • CDML shall use personal information to provide you with better customer services and products.
  • All Groups of the CDML company, staff and all third parties with permitted access to your information are specifically required to observe our confidentiality obligations.
  • CDML collects personal information that we believe to be relevant and required to understand your financial needs and to conduct our business.
  • CDML may pass your personal information to other Groups of the CDML company, subsidiaries or agents, as permitted by law.
  • We maintain strict security systems designed to prevent unauthorized access to your personal information by anyone, including our staff.
  • CDML may be required from time to time to disclose your personal information to Governmental or judicial bodies or agencies or our regulators, but we will only do so under proper authority.

Data Security

At CDML (SA) and all Groups of the company, security is our top priority and we always strive to ensure that your personal data shall be protected against unauthorized or accidental access. We maintain this commitment to data security by implementing appropriate physical, electronic and managerial measures to safeguard and secure your personal data with us.

Our web servers are protected behind “firewalls” and our systems are monitored to prevent any unauthorized access. We will not send personal information to you by ordinary email. As the security of ordinary email cannot be guaranteed, you should only send email to us using the secure email facility on our website.

All practical steps shall be taken to ensure that personal data will not be kept longer than necessary and that the Bank will comply with all statutory and regulatory requirements concerning the retention of personally identifiable information.

Our commitment to Data Security is paramount to us at CDML. Your personally identifiable information is kept secure. Only authorized members of staff, agents and contractors (who have agreed to keep information secure and confidential) have access to this information.

Collection of Personal Information

The General Data Protection Regulation (GDPR) of the European Union imposes new rules on organizations that offer goods and services to the Citizens and residents of the European Union (EU) as part of the business requirements if an organization collects, stores, processes data tied to EU residents, no matter where they are located. This law came into effect by May 25, 2018.

The personal privacy includes the individuals having the right to:

  • Access their personal data
  • Correct errors in their personal data
  • Erase their personal data
  • Export/transfer personal data across geographical borders
  • Object to processing of their personal data

CDML, by offering services to EU citizens through our Offices in Abidjan where we collect and analyse data tied to EU residents, is mandated to be compliant to GDPR.

What we need

CDML (SA) will be known as the “controller” and “processor” of the personal data you provide to us.

We will only collect basic personal data from you which will include Name; Address; Nationality; Email, Phone number; ID Number; Bank Verification Number (BVN) and any other information as may be mandated by the regulatory requirements of the respective countries and the European Central Bank.

We will NEVER ask for personal banking information such as the following: Card details (CVV); PIN; Password; Secure Passcode; Token number.

Why we need it

We require your basic personal data to provide you banking services you have engaged us for based on the requirements from the respective Central banks and/or governmental regulations.

What we do with it

All the personal data that the Bank collects from you will be held and processed from our Facilities at Lagos Headquarters or any of its subsidiaries and/or authorized service providers where applicable in a secure manner. The Bank is compliant to the latest Information security standards such PCI-DSS, ISO/IEC 27001:2013 etc. Unless required by a Legal or regulatory requirement for the Banking services, your data will be held confidential. We will take all reasonable actions to ensure that personal data of all customers and employees are handled securely and in a controlled manner.

How long we keep it

As a regulated financial services institution, we will retain your personal data for a period of 10 years or as may be required by regulation in the country under consideration, after which it will be disposed of as required under the respective Government laws and Banking regulations. Please note that regulations may require the Bank to retain your personal data for a specified period of time even after the end of your banking relationship with us.

What we would like to do with it

In order to enable you to obtain banking services through us, we will require to collect, store and process some of your personal data as required under law. Your consent is required in order to make banking services available to you in accordance with the law/regulation in force.

Please click here to express your consent to allow us to collect and use your personal data to continue providing you banking services.

If you want to know more on this subject or withdraw your consent to all or some of the consent, please contact us. We will be more than glad to help you in accordance with the regulations.

Remedies for personal data violation

If your personal data is violated at any given time, you are at liberty to contact us on [email protected].

Within 3days of CDML receiving a complaint, CDML shall notify the Individual in line with data privacy requirements of either:

  • CDML’s position with regard to the complaint and any action CDML has taken or will take in response; or,
  • when the individual will be informed of CDML’s position which date shall be in line with data privacy requirements.

Remedies shall include but are not limited to investigating and reporting to appropriate authorities, recovering the personal data, correcting it and/or enhancing controls around it.

Use of Cookies

Use of “cookies”: Your visit to this site may be recorded for analysis on the number of visitors to the site and general usage patterns. Some of this information will be gathered through the use of “cookies”. Cookies are small bits of information that are automatically stored on a person’s web browser in their computer that can be retrieved by this site. Should you wish to disable these cookies you may do so by changing the setting on your browser.

The Site may use cookie and tracking technology depending on the features offered. Cookie and tracking technology are useful for gathering information such as browser type and operating system, tracking the number of visitors to the Site, and understanding how visitors use the Site.

 Cookies can also help customize the Site for visitors. Personal information cannot be collected via cookies and other tracking technology; however, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties.