Privacy Policy

PACIFIC SAVINGS AND LOANS PLC (referred to as Pacific, PSL, We, Us, Our) respects the privacy of our customers and is committed to protecting your personal information. Our privacy policy defines the basis for which any personal information we collect concerning you in whatever form it is collected will be processed by us.

What information do we collect?

Personal information includes any information Pacific uses to identify you as a unique individual, such as your name(s) and surname, your physical address, contact information, passport/identification number, date of birth or biometric information

How do we collect information?

We may collect information about you whenever you interact with us in writing, electronically, telephonically or online. For example, when you contact us regarding our activities or fill a written application form, you specifically and knowingly provide us with your personal information. We may also receive information about you from third parties, but only if you have given them permission to share your information.

How do we process your information?

PSL processes your information when we collect, use, alter, merge, link. Organize, disseminate, store, retrieve, disclose, archive, destroy or dispose of personal information. We only collect and process your personal information for the reason you provided it to us, or to enable us to comply with the requirements of specific laws governing our conduct.

Confidentiality

We will not be responsible for the privacy of data collected by websites not owned or managed by Pacific, including those linked through our website.

Making a complaint

If you have any complaint relating to the protection of your personal information, please contact us at customerservice@pacificsavingsandloansltdgh.com with the details explaining your concerns. You may also contact us on 0322041050, 0322041051 or visit any of our branches.

Cookie Policy

This website makes use of cookies to monitor visitor sessions. Cookies are small text files that websites store on your device when you visit them. These files contain information about your interactions with the website such as: User preferences, session data, tracking data, advertising data. Cookies are an essential part of the web ecosystem and help our website function properly. If you are concerned about their privacy implications, you can:

1. Disable cookies in your browser settings. Know that this may affect website functionality.
2. Use private browsing modes like Incognito (Chrome), private browsing (Firefox) or InPrivate (Microsoft Edge) to limit cookie storage
3. Clear cookies by regularly deleting cookies from your browser

Policy Amendment

PSL reserves the right to change this policy at any time. Any changes made will be published on the website. Unless otherwise stated, the current version shall replace all previous versions of this document.

Information Security Statements

Information Security Policy

At Pacific Savings and Loans PLC, safeguarding the confidentiality, integrity, and availability of our customers’ information is a top priority. As a trusted savings and loans institution, we are committed to implementing robust information security practices in compliance with regulatory requirements and industry best practices.

Our Commitment

We recognize the importance of protecting our customers’ financial and personal data. Our Information Security Policy is designed to:

• Protect customer data from unauthorized access, disclosure, alteration, and destruction.
• Ensure secure and reliable services, with effective controls in place to prevent disruptions or breaches.
• Comply with applicable laws and regulations, including data protection and cybersecurity laws.
• Promote a culture of security through continuous staff training and awareness programs.

Key Principles

1. Access Control
   Access to information and systems is restricted to authorized personnel based on the principle of least privilege.
2. Data Protection
   We employ encryption, secure data storage, and transmission practices to safeguard sensitive data.
3. Incident Response
   We maintain a documented incident response plan to promptly address and mitigate any security incidents.
4. System Monitoring
   Our systems are continuously monitored for suspicious activity, with advanced tools to detect and respond to potential threats.
5. Third-Party Security
   We assess and manage the security risks associated with third-party service providers and partners.
6. Compliance and Audits
   Regular audits and assessments are conducted to ensure our security posture remains strong and compliant with evolving standards.
7. Continuous Improvement
   Our information security practices are continuously reviewed and improved to adapt to new risks and technologies.

Customer Responsibility

We also encourage our customers to play an active role in protecting their personal information by:

• Keep login credentials confidential. Never share your username, password, or one-time passcodes with anyone.
• Use strong, unique passwords. Avoid using easily guessable information such as birthdays or names. Consider using a passphrase or a password manager.
• Enable multi-factor authentication (MFA) where available for an added layer of security.
• Be cautious with emails and links. Avoid clicking on suspicious links or downloading attachments from unknown sources (phishing).
• Log out of your accounts after use. Especially on public or shared devices.
• Monitor your accounts regularly. Review account statements and transaction history to quickly detect any unauthorized activity.
• Report suspicious activity immediately. If you notice any unusual activity or believe your information may be compromised, contact us without delay.

For more information about how we protect your data or to report a security concern, please contact our Information Security Office at infosec@pacificsavingsandloansltdgh.com or call 0322041050.

Last Updated: 10^th April 2025