1. Introduction

UNIBADAN MICROFINANCE BANK Our bank is committed to protecting the privacy and confidentiality of our customers' personal data. This Privacy Policy explains how we collect, use, store, and disclose your information in compliance with applicable data protection laws, e.g., GDPR, CCPA, or local regulations

2. Information We Collect

We may collect the following types of information from customers:

2.1 Personal Information:

• Full name
• Contact details (address, phone number, email)
• Identification documents (e.g., government-issued IDs, tax numbers)
• Employment or business information

2.2 Financial Information:

• Account details and transactions
• Loan applications and repayment history
• Income and expenditure information

2.3 Technical Information:

• IP address
• Browser type and version
• Device information (if using online services)

2.4 Other Information:

• Customer preferences
• Feedback and complaints

3. How We Use Your Information

We use the information collected for the following purposes:

• To open and manage your accounts
• To assess loan eligibility and manage repayment processes
• To comply with legal and regulatory requirements
• To communicate important updates and changes to our services
• To provide personalized financial products and services
• For risk management and fraud prevention
• To improve customer service and enhance user experience

4. Information Sharing and Disclosure

We may share your information under the following circumstances:

• With third-party service providers: For processing transactions, IT support, and customer verification
• With regulatory and law enforcement agencies: To comply with legal obligations
• With credit bureaus or agencies: For credit scoring and loan assessments
• With your consent: For marketing or other specific purposes

Note: We do not sell your personal information to third parties.

5. Data Security

We implement robust security measures to protect your data, including:

• Encryption of sensitive information during transmission
• Regular security audits and system updates
• Restricted access to personal data on a need-to-know basis
• Employee training on data protection practices

While we strive to protect your data, no system can guarantee 100% security. Customers are advised to safeguard their account information.

6. Data Retention

We retain your personal data only as long as necessary for the purposes outlined in this policy or as required by law. Once no longer needed, data will be securely deleted or anonymized.

7. Your Rights

Depending on your jurisdiction, you may have the following rights:

• Access: Request a copy of your personal data.
• Correction: Request corrections to inaccurate or incomplete data.
• Deletion: Request deletion of your personal data, subject to legal and regulatory requirements.
• Restriction: Limit the processing of your data under certain conditions.
• Data Portability: Request transfer of your data to another service provider.

To exercise these rights, please contact 08035070177.

8. Cookies and Online Tracking

When you use our online services, we may collect information through cookies and similar technologies to improve functionality and user experience. You can manage your cookie preferences via your browser settings.

9. Contact Information

If you have questions, concerns, or complaints about this Privacy Policy, you can contact us at:

• Email: info@unibadanmfb.com
• Phone: 08035070177, 08062134345
• Address:1,Amina way , Opposite Mobil Petrol Filling Station , U.I-Ojoo Road , U.I Ibadan.

This Privacy Policy ensures transparency and compliance with data protection laws while building trust with your customers.