Privacy Policy
At Gashua Microfinance Bank ltd; we values your Personal Data and we are committed to protecting your privacy whenever you interact our system and also being transparent about how we collect, process, share and manage data about you. Please read this Privacy Notice to understand our policies, processes and procedures regarding the processing of your personal data.
The Notice therefore explains to you how your Personal Data is collected, used, managed and transferred by Gashua Microfinance Bank and also explains how you can update your Personal Data with us and exercise your rights in respect of the Personal Data provided to us in the process of providing you with exceptional products and services, collectively referred to herein as Gashua Microfinance Bank “services”, across all our delivery channels to meet your needs.
The Personal Data that we collect
We collect Personal Data that you give to us in the process of consuming services provided to you by Gashua Microfinance Bank ltd through any of our available channels. We collect information you provide us via; account you create with us, forms, phone calls, and correspondence by mail or emails, service point interfaces, and any other channels we may make available to you from time to time. We may also automatically collect some technical information when you visit our website or other E-channels such as your IP address, and information about your visit, such as the pages that you viewed.
Details of information we hold about you;
i Personal data type: details about your personal information such as Identity details, contact details
Identity details include information you give when creating an account or signing up on our mobile applications such as BVN, NIN, Names, DOB, images and passport information
Contact details include information about KYC such as your Residential and business address, your phone numbers, postal Address and e-mail addresses.
ii Financial and Transaction data Details: Data about your financial profile and details about transactions such as payments you make and receive through any of product channels
iii Technical and Profile data: Your technical and profile data is collected to properly identify you and where you are working from.
Technical data: It consists of your Internet protocol (IP), Internet service Provider (ISP), details of web browser and operation system, zone setting and locations, platforms and other technology such as device ID, geolocation IP, and model and user agent on the devices used to access the Bank’s website
Profile Data: It consists of the Login details of a customer such as Username (but not the user’s password) to make it easier for the user to login when the user returns to the website
iv Communication Data: It consists of the you supply us through the in-app chat so that we can help you.
WHY DO WE NEED THE DATA?
Gashua Microfinance Bank ensures that the personal data collected and processed is necessary for the purpose of collection, and Gashua Microfinance bank shall not collect or process more data than is reasonably required for a particular processing activity.
Account Management: Managing customer accounts, transactions, and providing banking services.
Fraud Prevention: Detecting, preventing, and investigating fraudulent activities to protect customers and the bank.
Customer Support: Addressing inquiries, resolving complaints, and providing support services to customers.
Internal Reporting and Analysis: Generating reports, conducting analysis, and making strategic decisions based on aggregated and anonymized data.
Business Development: Identifying market trends, developing new products or services, and improving overall business operations.
Compliance with Legal Obligations: Fulfilling legal and regulatory requirements imposed on banks, such as anti-money laundering (AML) and know your customer (KYC) regulations.
Marketing and Promotions: Providing information about products, services, and promotional offers to customers, subject to their consent and preferences.
We may also use information about you collected by third parties and other service partners to better serve your needs. Third party sources are not controlled by Gashua Microfinance Bank ltd.
CONSENT
We don’t ask for your personal information unless we need it to provide or improve our products and services for you. We want to be sure we have your consent to collect, use and, where necessary, share your information with our partners and suppliers that help us serve you. Whenever we introduce new services and technologies, we’ll ensure you understand and agree to any new ways in which your information is handled. You will be considered to have given your consent to Gashua Microfinance Bank ltd for the processing of your personal data when:
- You complete any form, brochure or material issued by Gashua Microfinance Bank ltd at any of our service points (mobile, online, in-branch etc.) requesting for such personal information.
- You register, check or tick the acceptance box on any of our electronic platforms (Online or Mobile) relating to terms and conditions of any service or product offered by Gashua Microfinance Bank ltd.
- You send a request, complaint or other communication to Gashua Microfinance Bank ltd
- You use any service or product offered by Gashua Microfinance Bank ltd.
Who do we share your Personal Data with?
We respect your privacy and we limit disclosure of your Personal Data to third parties. We do not sell, give or trade any Personal Data that we obtain from you to any third party for data mining or marketing purposes. However, we may share your Personal Data with service providers engaged by us to provide services to Gashua Microfinance Bank subject to appropriate data security and protection. We may also share your information where there is a regulatory or statutory obligation to disclose such Personal Data in accordance with provisions of applicable laws.
Security and Retention of your Personal Data
Your Personal Data is kept private and we make every effort to keep your Personal Data secure, including restricting access to your Personal Data with us on a need to know basis. We require our staff and any third parties that carry out any work on our behalf to comply with appropriate security standards to protect your Personal Data.
We take appropriate measures to ensure that your Personal Data is only processed for the minimum period necessary in line with the purposes set out in this Notice or as required by applicable laws, until a time it is no longer required or has no use. Once your Personal Data is no longer required, we destroy it in a safe and secure manner.
User’s Privacy Rights
This policy describes the user’s privacy rights regarding Gashua Microfinance Bank ltd collection, use, storage, sharing and protection of a user’s personal information on the platforms and in respect of the services.
If a User creates an identification code or any other piece of information as part of the platform’s access security measure, such information will be treated as confidential, and will not be disclosed to any third party. Gashua Microfinance Bank ltd reserves the right to disable any user identification code or password, whether chosen by a user or allocated by the platform at any time, if in Gashua Microfinance bank opinion a user has failed to comply with any of the terms and conditions (Including this privacy policy). If a user is aware or suspects that anyone other than his/herself is aware of a user’s security details, kindly notify Gashua Microfinance Bank as soon as possible via the below address
Gashua Microfinance Bank Ltd
Attention: IT Manager
Katuzu Junction, Along Nguru Road
Gashua, Yobe state
By continuing to use our mobile application, you acknowledge and agree that you have carefully read and understood the terms of use and privacy policy.
Your rights in relation to your personal data are follows:
- You may at any time request for access to your personal information held by Gashua Microfinance Bank ltd or request that your personal information be made available to a third party.
- You may request to update your personal information with Gashua Microfinance Bank ltd at any time.
- You may elect to withdraw your consent at any time.
- Your right to withdraw consent extends to objecting or restricting the processing of your personal data by Gashua Microfinance Bank ltd.
- You may request that your personal information be deleted or blocked. We may continue to retain such personal information as may be required for compliance with legal, regulatory or policy requirements.
Changes to This policy
Due to constant changes in technology and regulatory requirements, we may need to change our privacy policies or update this Notice from time to time. You will always be able to find the most recent version of our updated privacy policy on this site.
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