Privacy Policy

A. Introduction

This Privacy Policy is governed by Ordonnance-Loi No. 23/010 of 13 March 2023 on the Digital Code, which establishes comprehensive regulations concerning the collection, processing, and protection of personal data, in addition to Law No. 20/017 of 25 November 2020 on Telecommunications and Information and Communication Technologies. These laws form the legal framework for privacy and personal data protection in the Democratic Republic of Congo (DRC).

Solidaire Banque has implemented a system for processing personal data related to its customers, prospects, job candidates, and visitors, in full compliance with the above legal provisions.

For the purposes of this policy, the following definitions apply:

Clients: All natural or legal persons holding an account with Solidaire Banque.
Candidates: Natural or legal persons applying for jobs, internships, or responding to calls for tenders.
Visitors: Any users of the Solidaire Banque website, www.solidairebanque.com.

This policy outlines the conditions under which Solidaire Banque ensures its obligations as a banker, in accordance with Loi n° 22-069 relative à l’activité et au contrôle des établissements de crédit, and formalizes the rights and obligations concerning the processing of personal data. It is designed to align with the requirements of Ordonnance-Loi No. 23/010, ensuring transparency and compliance in all aspects of digital data collection and management.

By accessing our website, you agree to the terms of this Privacy Policy. Any data processing by Solidaire Banque is strictly aligned with these legal frameworks to guarantee the protection of privacy and personal data.

Here’s the enhanced and refined version of points B through K in the privacy policy:

B. Collection of Your Personal Data

The following types of personal data may be collected, stored, and used by Solidaire Banque:

Device Information: Details about your computer or device, including IP address, geographic location, browser type and version, operating system, and device identifier.
Website Usage Data: Information about your visits to and interactions with our website, including referral sources, visit duration, page views, and navigation patterns.
Registration Information: Data you provide during account creation or form submission, such as your name, gender, date of birth, email address, phone number, and other identifying details.
Transactional Data: Information related to purchases, services, or transactions on our website, such as billing details, payment methods, and transaction history.
Communication Data: Data submitted when subscribing to email notifications, newsletters, or participating in surveys, promotions, or events.
Professional Data: Information you provide when applying for a job, internship, or responding to tenders.
Generated Data: Data created during your interactions with our website or services, including timestamps and frequency of access.
Other Information: Any additional personal information you voluntarily provide, including correspondence or uploads through our platform.

All data collected is processed lawfully, fairly, and transparently, with a clear purpose outlined at the time of collection.

C. Use of Personal Information

We process personal data solely for legitimate purposes. Your data may be used for:

Service Improvement: Enhancing the performance, usability, and accessibility of our website and services.
Communications: Sending notifications, updates, and promotional content that align with your preferences.
Marketing: Delivering newsletters and commercial communications about products and services that may interest you (with your explicit consent).
Customer Support: Managing inquiries, complaints, and requests for support.
Transaction Management: Processing payments, verifying transactions, and ensuring secure financial operations.
Compliance: Meeting regulatory and legal obligations, including fraud detection and prevention.
Website Security: Safeguarding the integrity of our platform against unauthorized access and breaches.

Your data will only be used in accordance with the purposes explicitly stated at the time of collection or as permitted by applicable law.

D. Disclosure of Personal Information

Solidaire Banque may disclose personal data to trusted third parties where necessary for operational purposes, including:

Employees, agents, or service providers involved in delivering our services.
Regulatory or legal authorities, when compelled by law or during investigations.
Third parties engaged in fraud prevention, credit risk reduction, or legal proceedings.

We ensure that all third parties accessing your data adhere to strict confidentiality and data protection obligations. Your data will not be shared for marketing purposes without explicit consent.

E. Retention of Personal Information

Personal data collected by Solidaire Banque is securely stored within the Democratic Republic of Congo to ensure compliance with local regulations.
For reasons of digital sovereignty and security, personal data may only be transferred to a digital embassy, third-party hosting service, or international organization if:
- The Personal Data Protection Authority determines that the recipient country or organization provides adequate and equivalent levels of protection as required by local laws.
- Explicit safeguards, aligned with the regulatory framework, are in place.
Criteria for determining adequate and equivalent protection include:
- The rule of law and respect for human rights and freedoms in the recipient country.
- The effective functioning of one or more independent data protection authorities in the recipient country.
- International agreements or obligations that bind the recipient country or organization to comply with personal data protection standards.
Retention Period: Personal data is retained only as long as necessary for the purposes outlined or to comply with legal obligations. After retention periods expire, data will be securely deleted.

F. Security of Personal Information

Solidaire Banque applies robust security measures to guarantee data security, including:

Encryption: Secure storage and transmission of sensitive data.
Access Controls: Restricted access to personal data based on roles and responsibilities.
Regular Audits: Periodic assessments to ensure compliance with security best practices.

While we strive to protect your data, no method of transmission over the internet is entirely secure. We encourage users to take precautions to protect their information.

G. Prohibition on Sensitive Data Processing

Solidaire Banque does not process personal data related to racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, or health and sexual orientation, unless:

Explicit consent is provided by the data subject.
The data has been manifestly made public by the data subject.
Processing is necessary for legal claims, public interest, or preventive healthcare.

H. Amendments to This Policy

This privacy policy may be updated periodically to reflect changes in regulations, technology, or business practices. Key changes will be communicated via:

Updates on our website.
Notifications through email or other communication channels.

We encourage you to review this policy regularly to stay informed.

I. Your Rights

As a data subject, you have the following rights:

Access: Request access to your personal data and obtain a copy of the information we hold about you.
Correction: Request corrections or updates to inaccurate or incomplete data.
Erasure: Request deletion of data where it is no longer necessary or where consent has been withdrawn.
Restriction: Request limited processing of your data under certain conditions.
Objection: Object to the processing of your data for specific purposes, such as direct marketing.
Portability: Request a copy of your data in a structured, commonly used, and machine-readable format.

To exercise these rights, please contact us with appropriate proof of identity.

J. Cookies

We use cookies to enhance your browsing experience and analyze website performance. Cookies help us:

Recognize returning users and tailor website content.
Analyze site traffic and improve functionality.
Enhance security and prevent fraud.

You can manage or disable cookies through your browser settings. Note that disabling cookies may limit certain website functionalities.

Types of Cookies We Use:

Essential Cookies: These cookies are necessary for the basic functioning of our website, such as navigating between pages and accessing secure areas.
Performance Cookies: These cookies collect information about how visitors use our website, such as pages visited and error messages, to help us improve performance.
Functionality Cookies: These cookies enable the website to remember choices you make, such as your username or language preference, to provide a more personalized experience.
Targeting/Advertising Cookies: These cookies track browsing habits to deliver tailored advertising relevant to your interests. They may also limit the number of times you see an advertisement.

Managing Cookies:

You can manage or disable cookies through your browser settings. Please note that disabling cookies may limit certain functionalities of our website. Below are instructions for managing cookies in common browsers:

Google Chrome: Go to Settings > Privacy and Security > Cookies and other site data.
Mozilla Firefox: Go to Preferences > Privacy & Security > Cookies and Site Data.
Safari: Go to Preferences > Privacy > Manage Website Data.

Third-Party Cookies:

Our website may include cookies from third-party services, such as analytics providers or advertisers. These third parties have their own privacy policies, which we recommend reviewing.

Cookie Retention:

Cookies are stored for varying durations depending on their purpose. Session cookies expire when you close your browser, while persistent cookies remain on your device until manually deleted or their expiration date is reached.

For more details about our use of cookies, please contact us via email at privacy@solidairebanque.com.

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