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Disclaimer

The materials on this website are provided “AS IS” and without warranties of any kind, whether express or implied. The Bahamas Development Bank (the “Bank”) makes no representations or guarantees regarding the accuracy, reliability, timeliness, completeness, merchantability, fitness for a particular purpose, or non-infringement of any content available on this site. Your use of this website is at your own risk.

The Bank does not warrant that the website will be uninterrupted, error-free, secure, or free of viruses or other harmful components. The Bank assumes no liability for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this website.

No Endorsement or Advice
References to specific products, services, or businesses do not imply an endorsement or recommendation by the Bank. The content on this site is for informational purposes only and does not constitute legal, financial, or professional advice. Users should seek independent professional guidance before making decisions based on website content.

Changes and Updates
The Bank reserves the right to modify, suspend, or discontinue any aspect of this website at any time without notice. Users are responsible for reviewing this disclaimer periodically for updates. Continued use of the site constitutes acceptance of any changes.

User Responsibilities
By accessing this site, users agree not to misuse the website in any way, including but not limited to attempts to gain unauthorized access, introduce malicious software, or use the content in an unlawful manner.

For professional advice, please consult a qualified legal, financial, or other professional advisor.

What personal information do we collect from the people who visit our blog, website, or app?

When requesting services or support on our site, as appropriate, you may be asked to enter your name, email address, phone number, or other details to help you with your experience.

When do we collect information?

We collect information from you when you fill out a form or enter information on our site.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that website.

Cookies

Cookies are small text files that a site or its service provider store on your computer through your web browser (if you allow).

We use ‘cookies’ to provide you with the best possible experience on our website. Cookies can have many purposes and among other things may be used to save your preferences or to collect visitor statistics – e.g. finding out how many users viewed the site and the pages they accessed.

We use cookies to:

• Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser’s Help Menu to learn the correct way to modify your cookies.

If you turn cookies off, it won’t affect the user’s experience.

How do we use your information?

We may use the information we collect from you when you request a consultation, request support, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, or use certain other site features in the following ways:

• To send periodic emails regarding your order or other products and services.
•  Processing applications
• Responding to your requests and communicating with you

Performing analytics concerning your use of our online services, How do we protect visitors’ information?

We use reasonable physical, electronic, and procedural safeguards that comply with banking and security-industry standards to protect and limit access to personal information, thus, our website is scanned on a regular basis for security holes and known vulnerabilities to make your visit to our site as safe as possible.

We use regular Malware Scanning.

We do have an SSL (security) certificate installed on the site

Accessing, Updating and Removing Personal Information

This Personal Data Request Privacy Policy outlines our procedures and practices for handling personal data requests in compliance with applicable data protection laws, such as the Data Protection (Privacy of Personal Information) Act. We have established this policy to ensure transparency and to provide individuals with a clear understanding of how to exercise their rights regarding their personal information.

1. Personal Data Requests – Individuals have the right to request access to, rectification, or deletion of their personal data.
2. Verification of Identity – For security and privacy reasons, we may require additional information to verify your identity before processing your personal data request. This step is crucial to ensure that we only release or modify personal information to the rightful data subjects.
3. Processing of Personal Data Requests – Upon receiving a valid personal data request, we will acknowledge receipt and promptly begin processing it. We will aim to respond to your request within 30 days, as required by applicable data protection laws.
4. Access to Personal Data – Upon verification of your identity and approval of your request, we will provide you with access to the personal data we hold about you.
5. Rectification of Personal Data – If you believe that any of your personal data is inaccurate or incomplete, you have the right to request corrections or updates to that information.
6. Deletion of Personal Data – You may request the deletion of your personal data if it is no longer necessary for the purposes for which it was collected or if you withdraw your consent (where applicable). However, please note that there may be legal or legitimate reasons that prevent us from immediately complying with your request.

Third Party Disclosure

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information.

We do not sell, trade, or otherwise transfer your Personally Identifiable Information to outside parties. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it is appropriate to comply with the law, enforce our site policies, or protect our or others’ rights, property, or safety.

Third-party links

We do not include or offer third-party products or services on our website.

 Bahamas Data Protection (Privacy of Personal Information) Act, 2003

The Data Protection Act protects the privacy of individuals in relation to personal data, regulates the collection, processing, keeping, use, and disclosure of certain information relating to individuals, and provides for matters incidental thereto or connected therewith.

Links to third-party websites are provided for convenience only. The Bank does not endorse, control, or take responsibility for the content, security, or privacy practices of any linked sites. The Bank shall not be liable for any loss or damage resulting from your reliance on external content.