Cli̇ent Protecti̇on Pri̇nci̇ples (CPP)
At AccessBank, we believe responsible banking is built on trust, transparency, and a deep respect for our clients. That is why we are fully committed to protecting our clients through responsible financial inclusion – ensuring that our products, services, and interactions serve our clients’ best interests every step of the way.
We recognize that every client relationship is more than a transaction – it is a commitment. A commitment to fairness, to integrity, and to helping our clients achieve financial well-being in a safe and respectful environment.
Our approach to client protection is guided by a set of core Client Protection Principles – minimum standards that every client should expect from a trusted financial partner. These principles reflect global best practices and are at the heart of how we serve individuals, families, and businesses in our communities.
Protecting clients’ personal and financial information is our top priority. We collect and use customer data only with their consent and for clearly authorized purposes. Our systems and processes are built to safeguard the data against misuse, fraud, or unauthorized access, whether by internal staff, partner companies or bad actors.
We develop financial products and services that are tailored to meet the needs of our diverse client base. Our goal is to ensure that our offerings are beneficial, easy to use, and never cause unintended harm. Client feedback plays a vital role in shaping how we deliver banking solutions across all channels.
We take our lending responsibilities seriously. Before offering credit, we assess each client’s ability to repay without becoming over-indebted. Through robust internal processes, we work to prevent over-indebtedness both at individual and market level (We cooperate closely with the Azerbaijan Credit Bureau).
Clear communication is fundamental to a healthy banking relationship. We provide all relevant information – pricing, terms, conditions, and fees – in a straightforward, easy-to-understand format. Our clients should always feel confident and informed when making financial decisions.
We are committed to fair and transparent pricing. Our products are designed to be both affordable and sustainable, ensuring that our clients receive value while maintaining the bank’s long-term sustainability. We also strive to provide real, positive returns on savings and deposits.
Every client interaction is an opportunity to demonstrate respect, fairness, and professionalism. We prohibit any form of discrimination or aggressive behavior. All our employees and agents are trained to uphold high ethical standards, especially during our loan origination and collections processes. Adequate safeguards are in place to detect and correct corruption as well as aggressive or abusive treatment.
We offer accessible and responsive channels for raising concerns or filing complaints. Every issue is addressed promptly, and feedbacks are used to continuously improve our services, policies, and products.