Accessing or using the services or accepting our Terms and conditions, you agree on behalf of yourself and any organization you represent (collectively, "you") that you have read and understood this Privacy Policy and that you consent to the collection, use, and sharing of information as discussed below. You also agree to accept our Terms and Conditions (the "Terms") and any other terms that incorporate this Privacy Policy by reference. Do not access or use the Platforms or Services if you disagree with this Privacy Policy. Our Terms and Conditions now include this Policy as a component.

USERS’ PRIVACY RIGHTS

This policy outlines users' privacy rights concerning Reliance Financial Service's gathering, usage, storage, sharing, and safeguarding of their personal information on our platforms and concerning the services provided.

 

Data related to username, password , identification code, or any other form of access security information will be treated confidential and will not be revealed to any third party.  Reliance Financial Service retains the authority to deactivate any user identification code or password, whether chosen by the user or assigned by the platform, at any time if, in our opinion, the user has violated any of the terms outlined (including this privacy policy). If a user becomes aware or suspects that someone else may have knowledge of their security details, please notify Reliance Financial Service promptly via the contact information provided below.

Reliance Financial Services Digital Finance Manager
46A Kairaba Avenue Kanifing, Serrekunda,
The Gambia
info@rfs.gm

 

By continuing to utilize our mobile application (referred to as the "Mobile App"), you acknowledge and consent that you have thoroughly reviewed and comprehended the terms of use and privacy policy.

 

Your entitlements concerning Your Personal Data are as follows:

a) The entitlement to access Your Personal Data;
b) The entitlement to receive information regarding the processing of Your Personal Data;
c) The entitlement to rectify any inaccuracies in Your Personal Data or any information concerning you;
d) The entitlement to examine, amend, or erase Your Personal Data and any additional information we hold about you;
e) The entitlement to limit the processing of Your Personal Data;
f) The entitlement to obstruct Personal Data processing breaching any law;
g) The entitlement to be informed about any rectification, erasure of Personal Data, or restriction of processing undertaken;
h) The entitlement to data portability of Your Personal Data; and
i) The entitlement to lodge complaint(s) to a regulatory authority within The Gambia.

USERS’ PERSONAL INFORMATION

Reliance Financial Service collects and utilizes any information provided by users when they engage with our mobile app. This may include personal details such as your name, Account Number, valid identification card, address, Tin Numbers, Signature, Phone Number and photo. When you use our mobile app for transactions, you also share transaction details with us. Furthermore, we may request explicit permission to access additional information such as your location, photos, and data from your camera.
 

 

 

At Reliance Financial Services, we are committed to adhering to the fundamental principles outlined below when it comes to the collection, storage, and utilization of a User's personal data.

 

 

We only collect and process data for specific, legitimate, and lawful purposes, as agreed upon by the User prior to collection and processing.

 

 

Data may be utilized for archival, scientific, historical, or statistical purposes in the public interest, without requiring explicit consent from the User.

 

 

Our data collection and processing practices prioritize adequacy, accuracy, and respect for the dignity of each individual.

 

 

We store data only for as long as reasonably necessary and as mandated by relevant laws and regulations.

 

 

Data is safeguarded against potential risks and breaches, including but not limited to theft, cyberattacks, viruses, dissemination, and manipulations.

 

 

We rely on the following legal bases for processing your Personal Information:

 

 

By utilizing our Services, you consent to the collection of your Personal Information as outlined in our Privacy Policy.

 

 

Your Personal Information is necessary for us to fulfill our contractual obligations in providing our Services to you. In addition, Reliance Financial Services is obligated to ensure full compliance with all Anti-Money Laundering and Counter-Terrorist Financing Laws to further safeguard your data.

 

 

At Reliance Financial Services, we may share personal information with our subsidiaries, affiliated entities, or trusted third-party service providers for the purpose of processing personal data on our behalf. This includes activities such as validating user credentials, securing data storage, marketing, customer service, fraud detection, and other relevant services. It is imperative to note that Reliance Financial Services mandates these parties to process such information strictly according to our instructions and in alignment with this Privacy Policy. Additionally, they must adhere to any other confidentiality and security measures deemed essential, subject to applicable laws.

 

We require these third-party providers to utilize Personally Identifiable Information (PII) and Personally Identifiable Data (PID) solely in connection with the services they perform for Reliance Financial Services.

 

In certain circumstances, Reliance Financial Services may disclose user information to law enforcement agencies, government officials, or other third parties. This may occur in response to a court order, regulatory disclosure, or when deemed necessary in good faith to report suspected illegal activity or to protect the company's property or legal rights.

 

It is important to highlight that, unless expressly disclosed in this Privacy Policy, Reliance Financial Services will not sell or disclose user information to third parties. However, aggregated or non-personally identifiable information may be shared with third parties for various purposes.

 

 

At Reliance Financial Services, we have implemented a comprehensive array of physical, technical, and procedural safeguards to ensure the protection of User information against unauthorized access, disclosure, alteration, or destruction. Our security measures encompass various aspects, including the use of firewalls, data encryption, and strict access controls.

 

Access to personally identifiable information is strictly authorized for employees, contractors, and agents who require it to fulfill their job responsibilities.

 

We prioritize an elevated duty of care when handling sensitive User information, such as credit card or bank account numbers. In cases where disclosure of such information could result in direct financial loss, Reliance Financial Services employs additional encryption measures and transmits data using Secure Socket Layer (SSL) protocols.

 

Reliance Financial Services commits to retaining personal information only for the duration necessary to continue providing services to you. Upon cessation of our services to you, your information will be stored on our servers as required to fulfill regulatory obligations and for the purpose of fraud monitoring, detection, and prevention. Any retention of your Personal Information is conducted in strict compliance with limitation periods specified by applicable laws.

 

 

At Reliance Financial Services, all Personal Information entrusted to us is stored using secure servers, as well as in secure physical locations and cloud infrastructure where applicable. This ensures the seamless provision of services to you while maintaining robust security measures.

 

In order to facilitate business continuity and provide efficient services, the data collected from you may be transferred to or stored in cloud locations hosted by globally recognized vendors' data centers. When your information is transferred to such locations, we undertake all necessary measures to ensure that your data is handled securely and in strict adherence to the provisions outlined in this privacy policy. Rest assured, your data's security and privacy remain our top priority throughout its storage and transfer processes.

 

 

Reliance Financial Service is obligated to adhere to DPA legislation under Article 23 of The Gambia Data Protection Regulation 2021. We are committed to reporting any personal data breach that poses a risk to the rights and freedoms of a user. If a personal data breach poses a significant risk to a user, they must be notified unless appropriate measures have been taken to mitigate the risk, such as applying security measures to render the personal data unintelligible (e.g., encryption), or if directly informing the user would require disproportionate effort. In such cases, a notice or announcement must be made, or an equally effective alternative measure must be adopted to inform the user, enabling them to take necessary remedial action.

 

 

Reliance Financial Services reserves the right to amend this Privacy Policy at any time, with the updated version being posted on this page. The revised policy becomes effective immediately upon posting unless we offer additional notice or an opportunity to "opt-in" in cases where changes are considered material or retroactive. By continuing to use our Services, you signify your consent to all amendments made to this Privacy Policy. We encourage you to review this policy periodically to stay informed about any updates or changes that may affect your usage of our Services.

 

 

Reliance Financial Services operates under the regulatory framework set forth by applicable laws and regulations. Any disputes or legal matters arising from the use of our services shall be governed by the laws of the jurisdiction in which the user resides or accesses our services. By utilizing our services, users consent to abide by the laws and regulations governing Reliance Financial Services. We reserve the right to modify our legal framework as required to comply with changes in laws and regulations, and any amendments will be duly communicated through appropriate channels.