Privacy Policy

Abokobi Area Rural Bank Plc

abokobiarearuralbankltd.com

Effective Date: 24 March 2026

1. Introduction

Abokobi Area Rural Bank Plc (“the Bank”, “we”, “us”, “our”) is committed to protecting the privacy of visitors to our website at abokobiarearuralbankltd.com (“the Website”). This Privacy Policy explains what information is collected when you visit the Website, how it is used, and your rights in relation to it.

This Website is provided to the Bank by Scancom PLC (MTN Ghana) as part of a business website service. The Bank remains the data controller in respect of any personal data collected through the Website.

This Policy applies to the Website only. It does not cover the Bank’s processing of customer personal data in connection with banking products, accounts, or financial services, which is governed separately under our Banking Privacy Notice and applicable Bank of Ghana regulations.

2. Who We Are

Data Controller:

Website Provider:

  • Scancom PLC (MTN Ghana), a licensed telecommunications operator in Ghana.

3. Information We Collect Through This Website

3.1 Information You Provide Voluntarily

When you use contact forms or enquiry forms on the Website, we may collect:

  • Your name
  • Your email address
  • Your phone number
  • The content of your message or enquiry

We collect this information solely to respond to your enquiry or request.

3.2 Information Collected Automatically

When you visit the Website, our anti-spam and security system (CleanTalk, described in Section 5) automatically collects certain technical information to protect the Website from spam and malicious activity, including:

  • Your IP address (used temporarily for spam detection; not stored by the Website beyond the session)
  • Browser type and version
  • Device type and operating system
  • Time zone and screen information
  • Referring URL

This information is used exclusively for security and anti-spam purposes. It is not used to identify you personally or to track your browsing behaviour across other websites.

3.3 Information Not Collected

This Website does not use:

  • Advertising or marketing cookies
  • Tracking or analytics cookies
  • Third-party social media tracking pixels
  • Any technology that follows you across other websites

4. How We Use Your Information

We use the information collected through this Website for the following purposes:

  • To respond to enquiries or messages you send us through contact forms
  • To protect the Website from spam, bots, and malicious form submissions
  • To maintain the security and proper functioning of the Website

We do not use your Website data for marketing purposes, and we do not sell, rent, or share your personal data with third parties for commercial purposes.

5. Third-Party Services Used on This Website

5.1 CleanTalk Anti-Spam Service

This Website uses CleanTalk, a cloud-based anti-spam and security service operated by CleanTalk Inc. CleanTalk helps protect the Website’s contact forms from spam submissions and bot activity.

When you interact with a form on this Website, CleanTalk processes certain technical data (including your IP address and browser fingerprint) to determine whether the submission is genuine. This data is processed on CleanTalk’s servers and is retained for a maximum of 45 days, after which it is permanently deleted.

CleanTalk does not use persistent cookies. The data it stores on your device is limited to temporary session-level browser storage (not cookies) used solely for bot detection. This data expires when your browser session ends.

For more information, see CleanTalk’s Privacy Policy at: https://cleantalk.org/publicoffer#privacy

5.2 Website Hosting

The Website and its assets are hosted by infrastructure provided by and on behalf of Scancom PLC (MTN Ghana). Hosting infrastructure is located within the European Economic Area (EEA). Appropriate technical and organisational safeguards are in place to protect data processed on this infrastructure.

6. Legal Basis for Processing

We process personal data collected through this Website on the following legal grounds under Ghana’s Data Protection Act, 2012 (Act 843):

  • Contact form submissions: Consent
  • Security and anti-spam protection: Legitimate interests in maintaining the integrity of the Website

Our use of CleanTalk for spam prevention and website security constitutes a legitimate interest under Act 843, as it is necessary to protect both the Bank and Website visitors from fraudulent or harmful activity.

7. Data Retention

We retain personal data collected through this Website only for as long as necessary:

  • Contact form enquiries are retained for the period required to respond to and resolve your enquiry, and for a reasonable period thereafter in case of follow-up.
  • Technical data processed by CleanTalk for anti-spam purposes is retained by CleanTalk for a maximum of 45 days.
  • Temporary session-level browser storage set by CleanTalk is cleared automatically when your browser session ends.

8. Your Rights

Under Ghana’s Data Protection Act, 2012 (Act 843), you have the following rights in relation to your personal data:

  • The right to be informed about how your data is used
  • The right to access personal data we hold about you
  • The right to request correction of inaccurate data
  • The right to request deletion of your data where it is no longer necessary
  • The right to object to processing based on legitimate interests

To exercise any of these rights, please contact us using the details in Section 2. We will respond to your request within a reasonable timeframe and in accordance with applicable law.

If you are not satisfied with our response, you have the right to lodge a complaint with the Data Protection Commission of Ghana at: https://dataprotection.org.gh

9. Cookies and Local Storage

This Website does not use persistent cookies for analytics, advertising, or tracking purposes.

CleanTalk uses temporary browser storage (not persistent cookies) during your visit for bot detection purposes only. This storage expires when your browser session ends and does not track you across other websites or sessions.

Because no non-essential cookies or persistent tracking technologies are used, a cookie consent banner is not required for this Website.

10. Children’s Privacy

This Website is not directed at children under the age of 18. We do not knowingly collect personal data from children. If you believe a child has submitted personal data through this Website, please contact us and we will delete it promptly.

11. External Links

This Website may contain links to external websites operated by third parties. This Privacy Policy does not apply to those websites. We encourage you to review the privacy policies of any external sites you visit.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in law, technology, or our practices. The effective date at the top of this document will be updated accordingly. We encourage you to review this Policy periodically.

13. Contact Us

If you have any questions about this Privacy Policy or how we handle your personal data, please contact us: