Please read the following carefully to understand Our views and practices regarding your personal data and how We will treat it. By continuing to visit Our website (www.ab-mfbnigeria.com) and other AB Microfinance Bank customer touch points, you accept and consent to the practices described in this Policy. If you do not agree/accept please do not use or access Our website or other AB Microfinance Bank Services.
If you have any questions or concerns regarding this Policy, you should contact us on firstname.lastname@example.org.
When you use Our websites and Services, We collect and store your personal information which is provided by you from time to time. Personal information in this context shall include all data such as: full legal name, bank verification number, phone number, means of identification, identification number, mailing address, email address, tax ID, a photo, biometric information, occupation, assets, income, location data, an online identifier and other unique identifier such as but not limited to MAC address, IP address, IMEI number, IMSI number, SIM.
We collect information when you create an account, subscribe, participate in any interactive features of Our Services, fill out a form, apply for a loan, use your credit or debit cards, request customer support or otherwise communicate with Us.
We may obtain information through Our mobile applications that you install on your mobile devices to access and use Our Services.
We may also collect other information such as video footages of you whenever you step into any of Our branches, telephone conversations when you call any of Our contact center lines, geographic information.
We are the custodian of data on behalf of the users that use Our Services and We do not own data, users own their data. We will store data provided for only the period within which it is reasonably needed.
The collection and use of personal data by AB Microfinance Bank is guided by certain principles set by the National Information Technology Development Agency (“NITDA”). These principles state that personal data should:
We will only use your information when you have provided your consent or when We are required by law to do so, and We will use your information for the following:
We adopt appropriate technical, data collection, storage and processing practices and security measures to protect against unauthorized access, misuse, alteration, disclosure or destruction of your personal information, username, password, transaction information and data under Our control. This may include the use of encryption, access controls and other forms of security to ensure that your data is protected.
We require all parties including Our staff and third-parties processing data on Our behalf to comply with relevant policies and guidelines to ensure confidentiality and that information is protected in use, when stored and during transmission. Our security controls and processes are also regularly updated to meet and exceed industry standards.
Where We have provided you (or where you have chosen) a password which grants you access to specific areas on Our site, you are responsible for keeping this password confidential. We request that you do not share your password or other authentication details (e.g. token generated codes) with anyone.
We reserve the right to change this Policy from time to time as seen fit, without any intimation to you, and your continued use of the site will signify your acceptance of any amendment to these terms. You are therefore advised to re-read the Policy on a regular basis. Should it be that you do not accept any of the modifications or amendments to the Policy, you may terminate your use of Our Services immediately. If you object to any of the changes to Our Policy, and you no longer wish to use Our Services, you may contact Us at email@example.com to deactivate your account. Unless stated otherwise, Our current Policy applies to all information that We have about you and your account.
We may send you Applications and Service announcement updates. You will not be able to unsubscribe from Service announcements, which contain important information Our Services which you have subscribed to. We may communicate via e-mail or telephone to provide requested Services and to resolve issues relating to your account.
We use data collection devices such as “cookies” on Our website and applications. “Cookies” are small files stored on your hard drive that assist Us in providing Services customized to your requirements and tastes.
You are always free to decline Our cookies if your browser permits, although in that case you may not be able to use certain features on Our website and application and you may be required to re-enter your password more frequently during a session. A cookie cannot read data off your hard disk or read cookie files created by other sites. Use of a cookie is in no way linked to any personally identifiable information.
AB Microfinance Bank’s websites, products, application, and Services may contain links to third-party websites, products and Services. Our products and Services may also use or offer products or services from third parties. Information collected by third parties, which may include such things as location data or contact details is governed by their privacy practices and We will not be liable for any breach of confidentiality or privacy of your information on such sites. We encourage you to learn about the privacy practices of those third parties.
Due to the existing regulatory environment, We cannot ensure that all of your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Policy. By way of example (without limiting and foregoing), We may be forced to disclose information to the government, law enforcement agencies, Our parent and/or subsidiaries, third parties, for the performance of a task carried out in the interest of the public, for the protection of your vital interest, for the performance of a contract to which you are a party to and also where you have expressly given Us written consent to disclose same.
You have the following rights:
Please note that if you request a copy of your information you may be required to pay a statutory fee.
If We hold any information about you which is incorrect or if there are any changes to your details, please let Us know so that We can keep Our records accurate and up to date.
We will retain your personal information for the duration of Our Services to you and afterwards for as long as is necessary and relevant for Our purposes as permitted by applicable laws and regulations. Where We no longer need your personal information, We will dispose of it in a secure manner (without further notice to you).
Last Updated 7th January, 2020.