BRED Bank Fiji - Uncategorised

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Privacy Policy

	BRED Bank (Fiji) Pte Ltd referred to as BRED Bank Fiji (BBF) is committed to safeguarding your privacy. This Privacy Policy document contains types of information that is collected and recorded under the domain and website https://www.bred.com.fj/ and how we use it. It may also apply to services offered by BRED Bank on websites hosted by third parties. It also applies to how you use our BRED channels such as our internet banking channels and mobile banking apps. This Privacy Policy applies only to our online activities and is valid for visitors to our website with regards to the information that they share and BRED services when login in or authenticating yourself when accessing your account. This may include information that is automatically stored by cookies and other session tools. When you use our services or look at contents of our website, your activities may be logged. This policy is not applicable to any information collected offline or via channels other than specifically mentioned in this policy. You acknowledge and accept that your use of BRED Bank of Fiji’s website and digital channels indicates your acceptance of terms of the Privacy Policy. If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us.
	Consent By using our website, you hereby consent to our Privacy Policy and agree to its terms.
	Information we collect The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point we ask you to provide your personal information. If you contact us directly, we may receive additional information about you such as your name, email address, phone number, date of birth, postal address or home address, the contents of the message and/or attachments you may send us, and any other information you may choose to provide. When you register for an Account, we may ask for your contact information, including items such as name, company name, home address, mailing address, email address, and telephone number, mainly information that is necessary for performing due diligence or to improve your customer experience with us.
	Safety measures when visiting our website or using our Products and Services As a user of our website, products and services, you are encouraged to take all necessary precaution to safeguard your own privacy. Please refer to our Safe Banking Policy (link below) for helpful information to maximise your protection and security.
	How we use your information We use the information we collect in various ways to: Provide, operate, and maintain our website and banking platforms to provide you service. This includes registering your personal details, registering your account, providing you with information about our products and services or notifying you of any change to our services Improve, personalize, and expand our products and services offering through our website and banking platforms Understand and analyze how you use our website Develop new products, services, features, and functionality Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes Identify, prevent suspected or actual fraud or any unlawful activity
	Log Files BRED Bank Fiji follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services' analytics. The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users' movement on the website, request details for aggregate statistics, security monitoring and investigating issues.
	Cookies The data of your visit to this website will be automatically stored by cookies, which can be retrieved by this website through the sending browser. You are entitled to use the browser which enables you to accept or deny cookies. However, your right to log on to some parts of this website will be unable, for some extensions, if you refuse cookies.
	Advertising Partners Privacy Policies Third-party ad servers or advertising networks uses technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on BRED Bank Fiji’s website, which are sent directly to users' browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit. Note that BRED Bank Fiji’s website has no access to or control over these cookies that are used by third-party advertisers.
	Third Party Privacy Policies BRED Bank Fiji’s Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt-out of certain options.
	Data Protection Rights Every user is entitled to all applicable data protection rights in Fiji and/or any other relevant jurisdiction.
	Children's Information Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity. BRED Bank Fiji’s website does not knowingly collect any Personal Identifiable Information from children under the age of 13. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.
	Changes to This Privacy Policy We may update our Privacy Policy from time to time. Thus, we advise you to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately, after they are posted on this page.
	Contact Us If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us. If you have any further queries relating to our Privacy Policy, or you have a problem or complaint, please contact any of our staff at a branch you normally deal with, your relationship manager or call Customer Care on 132 100.

Unclaimed Monies

Pursuant to Section 67 of the Banking Act 1995, BRED Bank (Fiji) Pte Ltd publishes the following names of its customers who have monies outstanding to their names, deemed to be unclaimed for a period of ten(10) years or more. Furthermore, Section 67 (2), requires the Persons to whom the accounts are payable, or their legal personal representatives to submit a claim to any branch of BRED Bank (Fiji) within three(3) months of the date of this publication. In the event of a legitimate claim not being received within this time, the accounts will be closed, and funds remitted to the Reserve Bank of Fiji.

REFUND OF UNCLAIMED MONIES

Verification of Identity: To claim funds or reactivate an account, the Claimant(s) will need to comply with BRED Bank (Fiji) Customer Identification Checklist prior to the release of funds or reactivating a Claimant(s) account.

Date of Publication	Date Expires	Unclaimed Monies publication
10 February 2023	31 May 2023	All unclaimed monies as at 31 December 2022
23 February 2024	31 May 2024	All unclaimed monies as at 31 December 2023

Hassle Free Loans - Promotional Offer

Hassle Free Loans

Hassel FREE Loans that will SAVE you MONEY!

From 12^th March 2018 to 12^th July 2018 take advantage of the following promotional offer on BRED Bank Hassle Free Loans:

Want to buy a Home? We can help you get your dream home!

Buying a home is one of the most important life event decisions you will ever make. It is a long term commitment that may bring new financial challenges or opportunities along the way. At BRED Bank, we have taken the time, hassle and stress out of financing your home.

As part of Hassle Free Loans promotional offer for first time home buyers you can get the following benefits:

· Competitive interest rates: Schedule of Rates

· No monthly Service Fee on Home Loan.

· 50% discount on Loan Approval Fees.

· $300.00 discount on legal fee.

· 10% discount on Home Insurance underwritten by SUN insurance with following cover*:

v The Building in event of a Fire, Lightening, Explosion, Thunderbolt;

v Burglary, Theft or Malicious damage;

v Water Damage (Burst Pipes); and

v Earthquake, Subterranean Fire, Volcanic Eruption, Tidal Wave or Tsunami.

v Optional cover at additional premium:

Ø Damage, destruction or loss to your house caused by Cyclone, Gale, Hurricane or Windstorm.

Ø Current engineers’ certificate required.

Ø Temporary accommodation of up to $5000 if your house is inhabitable after a loss caused by an insured peril.

Want your dream Car? BRED Bank has got you covered!

As part of Hassle Free Loans promotional offer you can get the following benefits:

· Motor Vehicle Loan at 8.40% p.a variable interest with term up to 7 years secured by mortgaged property.

· No Loan Approval Fees on Motor Vehicle Loan for new customers of BRED Bank Home Loan.

Additional benefits for Hassle Free Loans Promotional Offer!

As part of Hassle Free Loans promotional offer you can get the following additional benefits when you apply for a home loan with BRED Bank:

· Waived joining fees of $35.00 for BRED Visa Debit Card.

· Waived annual fees of $35.00 for BRED Visa Debit Card for the duration of the Home Loan.

· Pre-approved credit limit of $1000.00 on BRED Visa Debit Card.

· No Standing Instruction fees for transfer of savings from Salary account to Savings account.

· At a low switch fee for $300.00 you can rollover your interest rate to that years fixed interest rate (Banks Discretion).

Not happy with your current Home financier? Talk to us! We do refinancing so that you can avoid extra charges and save money for other important events in life.

· Competitive interest rates: Schedule of Rates

· No monthly Service Fees on Home Loan.

· No Loan Approval Fees.

· $300.00 discount on legal fees.

· Motor Vehicle Loan and/or Personal Loan at 8.40% variable interest rate with term of up to 7 years secured by mortgaged property.

· No joining and annual fees for Visa Debit Card with pre-approved $1000.00 credit limit.

· No Standing Instruction fees for transfer of savings from Salary account to savings account.

· The interest rate applies on reducing loan balance.

· Loan term up to 25 years.

· Up to 80% financing of purchase or valuation price of property.

· Joint loan option available.

· Flexible repayment options (weekly, fortnightly or monthly).

· At a low switch fees for $300.00 you can rollover your interest rate to that years fixed interest rate (Banks Discretion).

How do I apply for a Hassle Free Loans Promotional Offer?

Write to us at customer.care@bred .com.fj or visit your nearest BRED Bank Branch. BRED Bank branches are located in Suva, Nausori, Nadi, Namaka and Lautoka. In addition, BRED Bank has a Kiosk at Tappoo City Building, Level 4.

Refer to Terms and Conditions for more details. Please click on “Hassle Free Loans Terms and Conditions” to view.

Subject to Bank Terms and Conditions. *SUN Insurance terms and conditions apply.

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