Our Privacy Policy

As reputable organization, your privacy and online security is important to us.
The aim of this policy is to keep you informed about the collection, processing, storage and distribution of your information when you access our online banking platforms through any of our mobile and web channels.

Personal Information

When you visit or use our online services, we may collect personal information from or about you such as your name, email address, mailing address, telephone number(s), account numbers, limited location information (for example,house number and street name), user name and password.

We may also collect identification information such as driver’s license numbers, NIN, PVC or any other government issued identification where we believe it is reasonably required for ordinary business purposes.

Deletion of Information

As a regulated financial services institution, we will retain your personal data for a period of 10 years after which it will be disposed of as required under the respective Government laws and Banking regulations. Please note that regulations may require the Bank to retain your personal data for a specified period of time even after the end of your banking relationship with us

Usage and Other Information

In addition to the personal information described above, we may collect certain information about your use of our online services.

For example, we may capture the IP address of the device you use to connect to the online service, the type of operating system and browser you use and the parts of our online service you access. We or our third-party partners may also use cookies, web beacons or other technologies to collect and store other information about your visit to, or use of, our online services.

Services

For your convenience, SEAP MFB offers you the ability to access some of our products and services through mobile applications and mobile-optimized websites. When you interact with these our services through the SEAP MFB mobile application, we may collect information such as unique device identifiers for your mobile device, your screen resolution and other device settings, information about your location, and analytical information about how you use your mobile device. We may ask your permission before collecting certain information such as location information

Use of Information

We use the information discussed above in a number of ways, such as:

1. Processing applications and transactions;
2. Verifying your identity (such as when you access your account information);
3. Preventing fraud and enhancing the security of your account or our online services;
4. Responding to your requests and communicating with you;
5. Managing your preferences;
6. Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view;
7. Providing you tailored content and marketing messages;
8. Operating, evaluating and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions);
9. Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies;
   and For any other purposes that we may specifically disclose at the time you provide or we collect your information.
10. We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations. Disclosure of Information
11. We may share anonymous or aggregated information with third parties to help deliver products, services, and content that are better tailored to the users of our online services and for other purposes.

How we use cookies

“Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track your areas of interest or maintain some application specific data on the visitors browser.

When you use our service through the internet banking, a small amount of cookie will be persisted in your browser which enables our application to keep and track your session information on our site.

Third party cookies are not read or accessed on our website.

Security

We use reasonable physical, electronic, and procedural safeguards that comply with federal standards to protect and limit access to personal information.

Please note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information (such as your BVN Or NIN) to us.

Updating Your Information

Keeping your account information up-to-date is very important. You may review, or update certain account information by going to any of our branches to speak with one of our branch representatives, your financial advisor, or your designated account representative.

Changes to this Online Privacy Policy

We may change this Online Privacy Policy from time to time. When we do, we will let you know by appropriate means such as by posting the revised policy on this page with a new “Last Updated” date. Any changes to this Online Privacy Policy will become effective when posted unless indicated otherwise.