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Privacy Policy

We undertake to ensure that your personal information is kept strictly confidential and is not disclosed to third parties without your permission. The following afb Ghana Privacy Policy applies to all the web pages that form part of this website

1. Amendment of this policy:

1.1. We reserve the right to change this Privacy Policy from time to time in order to address new issues and reflect changes on our site.

1.2. Changes to the Privacy Policy will be posted here so that you will always know what information we gather, how we might use that information, and whether we will disclose that information to anyone.

1.3. Your continued use of the site following such changes will be deemed to indicate your acceptance of the new Privacy Policy.

1.4. It is your responsibility to regularly check the terms posted here to determine whether any such changes have been made.

1.5. If our information practices change in the future, we will use only data collected from the time of the policy change forward for these new purposes, or we will contact you before we use your data for these new purposes and offer you the ability to opt out of these new uses.

2. Personally-identifiable information collected from you:

2.1. When you contact us or make an enquiry, we collect your name, contact details, and other information necessary to fulfill your request.

2.2. This information is used by us to support your interaction with our company, and to contact you to respond to your query, complaint or request for information.

2.3. These details will be used only by our staff and/or agents, and will not be passed on to any third parties or other marketers unless you give us explicit permission to do so.

2.4. Information collected on the site, including but not limited to industry and location, may be aggregated for business development and research purposes. The information used in this way will not be personally identifiable or linked to individual users in any way.

3. Cookies:

3.1. We use cookies to gather anonymous data about your interaction with our website; a cookie is a small piece of information stored by your browser, typically used to identify returning visitors, and to collect aggregate information on the number of visitors to a site and the number of pages viewed.

3.2. You can choose to prevent the site from storing cookies on your hard drive by disabling cookies in your browser options.

3.3. Cookie information is used only by afb Ghana Plc and our agents, and is not provided to any other organisation.

4. Other data:

4.1. From time to time we may collect information such as click data and page-view statistics, the name of the Internet service provider and the IP address through which you access our site, the date and time you access the site, the pages that you access while at the site, and the Internet address of the website from which you navigated to our site.

4.2. This information is not personally identifiable and is used in aggregate for website and system administration, traffic and trend analysis and business decision-making.

4.3. The afb website may use the following Google Analytics features based on Display Advertising: Remarketing, Google Display Network Impression Reporting, the DoubleClick Campaign Manager integration or Google Analytics Demographics and Interest Reporting. Using the Ads Settings, visitors can opt out of Google Analytics for Display Advertising and customise Google Display Network ads. Please refer to the Google Analytics’ currently available opt outs for the web. The afb website may make use of remarketing to advertise online. Third-party vendors, including Google, may show our ads on sites across the Internet. The afb website and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimise and serve ads based on past visits to the afb website.

5. Access to information:

5.1. Upon request, we will provide you with a description of the information that we maintain about you. We will accommodate all reasonable requests. Please contact us by email at info@afb.com.gh.

5.2. We may release account information to third parties when we believe, in good faith, that such release is reasonably necessary to
a) comply with the law,
b) enforce or apply the terms of any of our user agreements, or
c) protect the rights, property or safety of afb Ghana Plc, our users, or others.

6. Agreement:

6.1. By using this website, you indicate your acceptance of our Privacy Policy. Your continued use of the website following the posting of changes to these terms will be taken to mean that you accept those changes.

6.2. If you feel that we are not living up to our stated Privacy Policy, or if you have any questions about this Privacy Policy, please contact us on +27 21 205 5000 or email info@afb.com.gh.

Terms and conditions

The afb website www.afb.com.gh is owned by afb Mauritius Ltd, the holding company of the afb Ghana Plc. afb Mauritius Ltd is a public company which holds a Global Business License (GBL 1) and is regulated by the Mauritius Financial Services Commission.

Terms and conditions apply

By using this website, you acknowledge that you have read and understood the terms set out below and agree to be bound by them.

1. Amendment of these terms:

1.2. We reserve the right to change, modify, add to or remove portions of these Terms of Use from time to time, at our sole discretion.

1.3. Changes to the Terms of Use will become effective as soon as they are posted to this website.

1.4. Your continued use of the site following such changes will be deemed to indicate your acceptance of the new terms.

1.5. It is your responsibility to regularly check the terms posted here to determine whether any such changes have been made.

1.6. If at any point you do not agree to the Terms of Use, you should immediately stop using the site.

2. Use of our website:

2.1. We will make all reasonable endeavours to maintain the website, but we reserve the right to modify or withdraw, temporarily or permanently, the website or any part thereof, with or without notice to you, without incurring any liability to you or any third party.

2.2. You will not be eligible for any compensation if you are unable to use any part of the website due to a temporary failure or suspension caused by circumstances beyond our control.

2.3. We reserve the right to monitor and investigate any reported violation of these Terms of Use, and to take any action that we deem appropriate, including, but not limited to, issuing a warning or enforcing suspension.

3. Intellectual property:

3.1. All content on this site, including design, graphics, trademarks, data, software and textual content, remains the property of afb Mauritius Ltd, and any copyright infringement will be dealt with under the appropriate law.

3.2. Unauthorised copying or scraping of any content contained on this site is expressly prohibited.

3.3. No user may copy, reproduce, distribute, transmit, repost, publish or otherwise transfer or commercially exploit any information, software, code, design or other content accessed through this website.

3.4. Using any computer programme or routine to extract or attempt to extract any part of the content of the site, including user-generated content, is strictly forbidden. In addition, no user may decompile, reverse engineer, or disassemble any part of the site.

4. Information and content:

4.1. All reasonable steps are taken to ensure the information on our website is accurate and up-to-date. However, we make no warranties or representations with regard to the safety, reliability, accuracy, correctness or completeness of the information provided on this site.

4.2. We do not guarantee that the information or content on the site will be error-free or will meet any particular criteria of performance or quality; and we assume no responsibility for any errors or omissions in the content.

4.3. No information appearing on the site, or linked to from the site, should be seen to constitute professional or financial advice in any way.

4.4. We will not be liable for any direct, indirect, incidental or consequential damages, including, but not limited to, data loss, lost revenues and lost profit, that may result from using the content on the site.

4.5. We reserve the right to remove, modify or alter any content on the site, at our sole discretion.

4.6. We furthermore reserve the right to restrict access to any services, information or applications contained on the site, at our sole discretion.

5. Links to third-party sites:

5.1. In an attempt to provide increased value to our users, we may provide links to third-party websites or resources from time to time.

5.2. Any links to other sites or resources are provided merely as a convenience, and the inclusion of any such link should not be taken as an endorsement of the site to which it points.

5.3. We are not responsible for the availability or correct functioning of the external sites or resources to which we link.

5.4. We have no control over the content of such linked pages or sites, and will not be held liable for any damage, loss or inconvenience suffered as a result of using these sites.

5.5. We will not be party to any transaction or contract that you may enter into with a third party as a result of following such a link, and we will not involve ourselves in any dispute that may arise between you and such a third party.

6. Transmission of information:

6.1. Although we will take every reasonable step to ensure the confidentiality and security of your personal information, we will in no way be held liable for any loss, harm, or damage suffered by you as a result of transmitting sensitive information to us. See our Privacy Policy for more information.

7. Risk and limitation of liability:

7.1. You make use of this website entirely at your own risk. We will not be held liable for any costs, loss of profits, loss of data or consequential losses arising from or relating to the use of, or inability to use, this website.

7.2. We cannot guarantee that the site will always be fully operational and we do not accept responsibility for any defects that may exist.

7.3. While we take all reasonable precautions to ensure that any downloads we may make available on the site are virus-free, we cannot warrant that such downloads will be virus-free, and will not be held liable for any losses you may incur as a result of downloading material from the site.

8. Enforcement of these Terms of Use:

8.1. We reserve the right to suspend your access to the site or any part thereof at any time, if we deem your use of the site to be in any way abusive or in breach of these terms.

8.2. These Terms of Use will be governed by and construed in accordance with the laws of South Africa, and any dispute arising from them will fall under the jurisdiction of the South African courts, unless we choose, at our sole discretion, to commence and pursue proceedings in alternative jurisdictions.

8.3. Any user found to be in violation of this agreement will be held liable for all legal costs incurred by afb Mauritius Ltd for any civil action or any legal action deemed necessary against such user.

8.4. No indulgence, extension of time, relaxation or latitude granted by afb Mauritius Ltd to the user shall constitute a waiver of any of our rights in terms of this agreement.

9. Contact information:

9.1. If you have any questions or queries regarding these Terms of Use, or if you wish to request permission to use any part of this website, please contact us on +27 21 205 5000 or email: info@afb.com.gh.