Education Template
1. Purpose of This Policy
This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our website, mobile app, and Internet banking services.
2. Information We Collect
We may collect the following categories of data:
• Personal Identification: Full name, date of birth, gender, address, BVN, NIN, phone number, and email.
• Financial Information: Account numbers, transaction history, card or wallet details, loan applications.
• Device & Technical Data: IP address, browser type, mobile device ID, operating system, and geolocation data.
• Communication Data: Messages or requests sent via chat, email, or online forms.
3. How We Use Your Information
We use your data to:
• Open and manage your bank account.
• Process transactions, loan applications, and payments.
• Verify identity and prevent fraud (KYC, AML checks).
• Provide customer support and respond to inquiries.
• Personalize user experience and improve our services.
• Send regulatory notices, service updates, and promotional messages (with consent).
4. Consent
By accessing our digital platforms or using our banking services, you consent to the collection and use of your information as outlined in this policy.
You can withdraw consent at any time by contacting privacy@nkpologwumfb.com (subject to legal and regulatory limitations).
5. Data Security
We use SSL encryption, firewalls, and secure hosting infrastructure to protect customer data from unauthorized access, alteration, or disclosure. All staff and service providers are bound by strict confidentiality obligations.
6. Data Retention
We retain personal and transactional data for as long as required by law or regulatory authorities, typically a minimum of 7 years, as mandated by CBN and NDPR.
7. Sharing of Information
Your information may be shared only with:
• Licensed payment processors and fintech partners.
• Credit bureaus (for credit scoring and verification).
• Regulatory bodies (CBN, NDIC, EFCC, NFIU, etc.) when required.
• Technical service providers maintaining our systems.
We do not sell, rent, or trade your data with third parties for marketing purposes.
8. Cookies and Tracking
Our website and mobile app may use cookies and analytics tools to enhance user experience. You may disable cookies in your browser settings, but some features may not function properly.
9. Your Rights (NDPR Compliance)
You have the right to:
• Request access to your personal data.
• Correct inaccurate or incomplete data.
• Withdraw consent for processing.
• Request data deletion (where legally permissible).
• File a complaint with the Nigeria Data Protection Bureau (NDPB).
All requests should be directed to privacy@nkpologwumfb.com.
10. International Data Transfers
If your data is transferred outside Nigeria, we ensure adequate data protection measures consistent with NDPR and international standards.
11. Policy Updates
We may update this Privacy Policy periodically. Updates will be posted on our website and mobile app with a revised “Effective Date.”
12. Contact Information
📍 Eke Market Square, Nkpologwu, Aguata L.G.A, Anambra State
📧 privacy@nkpologwumfb.com
📞 +234 8039140402
🌐 www.nkpologwumfb.com
