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Privacy Notice

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The relationship between the Bank and the customer is governed by the laws of Uganda, except where the following general terms and conditions apply and subject to any further agreement in writing. Specific terms and conditions will apply to specific accounts and products. These terms are available to the customer upon request.

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a) Account means any type of account and (including without limitation) in relationship to any advance, deposit, contract, product, dealing and or service established and operated between the Bank and the Customer.

b) Available balance means the amount (excluding any unconfirmed Amount, which can be drawn by the customer from his/ her Account;

c) Application Form means the Bank’s form filled out by the Customer when opening of an Account with the Bank;

d) Bank means Tropical Bank Limited, including but not limited to its successors in title and assigns (whether immediate or derivative):

e) Bank’s Branches means all places in the Republic of Uganda where the Bank’s business is operated and conducted, including the main registered office of the Bank;

f) Business Day means the days on which the Bank is open for all classes of banking business (excluding statutory and other public holidays) as the Bank may determine from time to time;

g) Banking Hours means the hours for which the Bank is generally open for all classes of business as may be determined by the Bank in respect of each of the Bank’s Branches from time to time;

h) Bank’s Tariffs means (including but not limited to) the schedule of the charges and fees levied by Bank in relation to the Account;

i) Cheque means a negotiable-instrument issued to the Customer by the Bank;

j) Cheque Book means the serially numbered Cheques bound together and issued by the Bank to the Customer:

k) Cheque Book Terms and Conditions means the Specific Terms and Conditions relating to the use of the Cheques by the Customer;

l) Customer means a holder of an Account with the Bank; and includes individual firm or corporate body.

m) Foreign Currency means for the time being any currency other than Uganda Shillings;

n) Uganda Shillings means for the time being the lawful Currency of the Republic of Uganda;

o) Mandate means the manner in which the Bank will act upon the Customer’s written instructions as set out in the Application Form;

p) Specific Terms & Conditions means the particular terms and conditions relating to a specific type of Account and or product;

q) Tax means all taxes levies, duties, charges, imposts or withholding (including, without limitation, compensating tax, drought levy, value added tax, stamp duties, service charges, National Social Security or Hospital Insurance Fund Payments) together with all penalties, charges and interests relating to any of them

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The Bank may open, at its sole discretion, an Account for a Customer subject to these General Terms and Conditions and the Specific Terms and Conditions relating to that Specific Account.

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The address given by the Customer in the Application Form will be considered by the Bank to be the official registered address of the Customer. All postal communications to the Customer will be sent by the Bank to the address specified in the Application Form. The Customer must notify the Bank in writing of any of the changes to this address, Notice to be on Customer’s official stationary (wherever applicable) and signed as per the Mandate.

a) the account thereby is overdrawn.

b) Where cheques, other negotiable instruments of commercial documents are deposited for the credit of the account, whether or not payable at or by the Bank, the amount of such deposits shall be available for withdrawal only when actually collected by the Bank.

c) Although immediate credit may have been given for cheques

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Your personal data may be processed, stored, shared, transferred, or disclosed by Tropical Bank Limited to third parties, corresponding banks and Money transfer services, or within our affiliated entities for the purposes outlined in this Privacy Notice. This is done to operate efficiently and securely, facilitate transactions, deliver our products and services, enhance our business processes, and comply with applicable legal and regulatory obligations.

If we transfer your personal data outside Uganda, we shall ensure that the destination country provides an adequate level of data protection or that we have implemented appropriate safeguards, such as binding corporate rules or standard contractual clauses.

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We have appointed a Data Protection Officer (DPO) responsible for overseeing our data protection practices and ensuring compliance with applicable laws. You can contact our DPO at [email protected] for any privacy-related inquiries.

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We may update our “Privacy Notice” from time to time accordingly, you are advised to review this page periodically for any changes. Any changes made may be notified to you. These changes take effect immediately after they are posted on this page.

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At Tropical Bank Limited, we take the privacy and security of your personal data very seriously. We have implemented a range of appropriate technical, physical, and organisational measures to protect your data and maintain its confidentiality. For example, we include data protection, confidentiality, and security provisions in our contracts with third parties who handle personal data on our behalf.

Tropical Bank Limited has established robust information security and data privacy policies, including incident management and reporting procedures, technical safeguards, and operational rules to protect personal data and ensure compliance with legal and regulatory requirements.

We also train and require our employees who access your personal data to follow strict data privacy and security protocols. Similarly, we expect our service providers and any third parties we work with to uphold equivalent standards of confidentiality, data protection, and information security when accessing, handling, or processing your personal data.

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We retain your personal data for as long as necessary (minimum 10 years) to fulfill the purposes outlined in this privacy notice, including for business operations and legal or regulatory compliance, while you continue to engage with us. After your relationship with us ends, we may continue to retain certain personal data for a defined period, depending on the nature of the data and our legal obligations, in accordance with our data retention policy and applicable laws and regulations.

Once personal data is no longer required for these purposes, we will securely delete, anonymise, or destroy it, or otherwise ensure it is no longer used in a manner that identifies you.

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We respect your personal data, and you have the following rights about how we use your information:

  • Right to Access Your Data – You have the right to confirm whether we hold personal data about you. You may also request a copy of this data, along with information on how we have used it.
  • Right to Correct Your Data – If your personal information has changed or you believe we hold incorrect or outdated data about you, you can request that we update or correct it.
  • Right to Delete Your Data – You may ask us to delete your personal data. Please note, however, that certain personal information may be necessary for us to deliver our products or services to you.
  • Right to Know Third Parties – You can request that we disclose the identity of any third party who has had or currently has access to your personal data.
  • Right to Restrict or Object to Processing – You can ask us to stop processing your data or to change the way we use it. However, some data may be essential for us to interact with you or provide certain services.
  • Right to Object to Automated Decision-Making – If a decision that affects you is made solely through automated processing, you have the right to request a review of that decision.
  • Right to Data Portability – You may request that we transfer your personal data to another organisation in a format that is structured, commonly used, and machine-readable.
  • Right to Withhold or Withdraw Consent – From time to time, we may request your consent to process your personal data. You have the right to withhold consent or to withdraw any previously given consent at any time. However, this may affect our ability to provide certain services or engage with you effectively.
  • Right to Withdraw from Direct Marketing – You can withdraw your consent at any time and request that we stop sending you marketing communications or invitations to participate in surveys.

We will respond to your requests to exercise any of your data rights in accordance with applicable laws. To protect your privacy, we may ask you to verify your identity before processing your request. If you have any questions about your rights or how to exercise them, please contact us using the details provided in the “Reach Out to Us” section below.

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Tropical Bank Limited, with the address below, is the legal entity acting as the data controller of your personal data in Uganda:

Tropical Bank Limited, Main Building
Plot 27 Kampala Road
P.O. Box 9485
Kampala, Uganda

To lodge a complaint regarding the handling of your personal data, you may contact our Data Protection Office directly in writing at the address above, by phone at 0800205510, or via email [email protected] Your complaint will be acknowledged and addressed in accordance with applicable data protection laws.