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Privacy Policy

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Privacy Policy

Effective Date: 5th May 2025

Umunri Microfinance Bank ("Umunri MFB", "we", "us", or "our") values your privacy and is committed to protecting your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you access our services via our website (www.umunrimfb.com), our Android and iOS mobile applications, or engage with us in any other way.

1. Information We Collect

We may collect the following categories of data:
a. Personal Identification Information

Full name
Email address
Phone number
Residential or business address
Government-issued ID (e.g. NIN, Driver’s License, Voter’s Card)

b. Financial Information

Bank account details
Transaction history
Loan or deposit information

c. Device and Usage Data

IP address
Mobile device ID
Operating system and browser type
App usage behavior and session data

d. Location Information

With your permission, our apps may collect geolocation data for security and regulatory purposes.

2. How We Use Your Information

We use your information to:

Provide core banking and financial services
Authenticate users and protect accounts
Process payments, deposits, loans, and other transactions
Respond to customer inquiries and requests
Comply with regulatory requirements (CBN, NDIC, etc.)
Improve our mobile apps, website, and service delivery
Notify you about updates, offers, or changes in our services

3. Sharing of Information

We do not sell or rent your personal information. However, we may share data with:

Government regulators or authorities, as required by law
Third-party service providers (e.g. IT, security, payment processors)
Auditors, consultants, and legal advisors
Law enforcement agencies, in compliance with legal obligations

4. Data Retention

We retain your data for as long as necessary to fulfill the purposes outlined in this policy, or as required by law or regulation.

5. Data Security

We apply industry-standard security protocols to protect your data, including:

End-to-end encryption
Firewalls and intrusion detection systems
Secure login authentication
Regular security audits and updates

6. Your Rights

You have the right to:

Request access to your personal information
Correct or update inaccurate data
Withdraw your consent where applicable
Request deletion of your data (subject to regulatory limitations)

To make such requests, contact us using the details below.

7. Cookies and Tracking

Our website uses cookies to enhance user experience and collect analytics. You can manage cookie preferences in your browser settings.

8. Mobile App Permissions

Our Android and iOS apps may request access to:

Camera and Photos (for document uploads)
Location (for verification and security)
Phone/Contacts (for customer support, with permission)

All permissions are optional but may affect service delivery if denied.

9. Third-Party Links

Our website or apps may include links to external services. We are not responsible for their content or privacy practices. Please review their policies before sharing personal information.

10. Updates to This Privacy Policy

We may update this Privacy Policy from time to time. All changes will be posted on our website and mobile apps. Continued use of our services after updates means you agree to the new terms.

11. Contact Information

If you have any questions or concerns regarding this Privacy Policy or how your information is handled, please contact: Umunri Microfinance Bank
📍 Enugwu-Ukwu Civic Centre Complex, P.M.B 3006, Anambra State, Nigeria
📞 +234 813 0136 082
📧 info@umunrimfb.com
🌐 www.umunrimfb.com

Contact

Enugwu-Ukwu Civic Centre Complex. P.M.B 3006, Anambra State, Nigeria.

Phone: +234 813 0136 082

Email: info@umunrimfb.com

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