MARITIME MICROFINANCE BANK LIMITED PRIVACY POLICY
INTRODUCTION
Welcome to Maritime Microfinance Bank Limited Website! We work hard to protect your personal information and ensure your information is kept private and secure. The following privacy policy outlines the types of personal information that Maritime Microfinance Bank Limited (“Maritime Microfinance”), and our mobile applications for iOS and Android devices. It also explains why we collect your information and how we use it.
Privacy is important to Maritime Microfinance. We will never rent or sell your information to anyone. If you have any questions or if you believe that Maritime Microfinance Bank has not adhered to this privacy policy, please send us an e-mail at [email protected]
Information We Collect and Why
In order to provide a high-quality service, we collect various types of information when you visit the website or mobile app, sign-up as a customer, or otherwise engage with Maritime Microfinance Bank.
YOUR POLICY.
Personal Data
Under the NDPR/GDPR, personal data is defined as:
“Any information relating to an identified or identifiable natural person (‘data subject’); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person”.
Who Is Responsible for Your Personal Information?
Maritime Microfinance Bank Limited (“Maritime”) is your data controller and is responsible for processing your personal information described in this Privacy Policy. Maritime Microfinance Bank Limited uses the personally identifiable information you provide to communicate with you in response to your inquiries and provide the services you request. Any personally identifiable information gathered by Maritime Microfinance Bank Limited will be used for these purposes only. We will not disclose or divulge such data outside of Maritime Microfinance Bank, other than to third party providers that assist us in providing the services. Maritime Microfinance Bank Limited does not share, sell, rent or trade personally identifiable information with third parties for their promotional purposes.
Why does Maritime Microfinance Bank need to collect and store personal data?
For us to provide you with a service, we need to collect personal data. When you sign up for any service that requires registration, we ask you for personal information (such as your name, home address, and email address). We typically do not store this information and when we do, we maintain the data in encrypted form on secure servers. We may combine the information you submit under your account with information from other Maritime services or third parties in order to provide you with a better experience and to improve the quality of our services. In any event, we are committed to ensuring that the information we collect and use is appropriate for this purpose, and does not constitute an invasion of your privacy.
In terms of being contacted for marketing purposes, Maritime Microfinance Bank Limited would contact you for additional consent
Will Maritime Microfinance Bank Limited share my personal data with anyone else?
Maritime Microfinance Bank Limited only shares personal information with other companies or individuals in the following limited circumstances:
- We have your consent. We require consent for the sharing of any sensitive personal information
- We provide such information to our affiliated companies or other trusted businesses or persons for the purpose of processing personal information on our behalf. We require that these parties agree to process such information based on our instructions and in compliance with the General Data Protection Regulation and the Nigeria Data Protection Regulation and any other appropriate confidentiality and security measures. When they no longer need your data to fulfill this service, they will dispose of the details in line with Maritime Microfinance Bank Limited procedures.
- We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce applicable Terms of Service, including investigation of potential violations thereof, (c) detect, prevent, or otherwise address fraud, security or technical issues, or (d) protect against imminent harm to the rights, property or safety of Maritime Microfinance Bank Limited, its users or the public as required or permitted by law.
- If Maritime Microfinance Bank Limited becomes involved in a merger, acquisition, or any form of sale of some or all its assets, we will provide notice before personal information is transferred and becomes subject to a different privacy policy.
How will Maritime Microfinance Bank Limited use the personal data it collects about me?
We will process (collect, store and use) the information you provide in a manner compatible with the Nigeria Data Protection Regulation (NDPR). We review our data collection, storage and processing practices to ensure that we only collect, store and process the personal information needed to provide or improve our services. We will endeavor to keep your information accurate and up to date, and not keep it for longer than is necessary, but we depend on our users to update or correct their personal information whenever necessary. Maritime Microfinance Bank Limited is required to retain information in accordance with the law, such as information needed for income tax and audit purposes. How long certain kinds of personal data should be kept may also be governed by specific business-sector requirements and agreed practices. Personal data may be held in addition to these periods depending on individual business needs.
Maritime Microfinance Bank Limited only processes personal information for the purposes described in this Privacy Policy and/or the supplementary privacy notices for specific services. In addition to the above, such purposes include:
- Providing our services to users, including the display of customized content.
- Auditing, research and analysis in order to maintain, protect and improve our services.
- Ensuring the technical functioning of our network; and
- Developing new services.
You can find more information about how we process personal information by referring to the supplementary privacy notices for particular services.
Log information
When you access Maritime services, our servers automatically record information that your browser sends whenever you visit a website.
User communications
When you send email or other communications to Maritime, we may retain those communications in order to process your inquiries, respond to your requests and improve our services.
Affiliated sites
We offer some of our services in connection with other web sites e.g. Websites of our affiliates. Personal information that you provide to those sites may be sent to Maritime Microfinance Bank Limited in order to deliver the service. We process such information in accordance with this Privacy Policy. The affiliated sites may have different privacy practices and we encourage you to read their privacy policies.
Under what circumstances will Maritime Microfinance Bank Limited contact me?
Our aim is not to be intrusive, and we undertake not to ask irrelevant or unnecessary questions. Moreover, the information you provide will be subject to rigorous measures and procedures to minimize the risk of unauthorized access or disclosure.
Can I find out the personal data that Maritime Microfinance Bank Limited holds about me?
Maritime Microfinance Bank Limited at your request, can confirm what information we hold about you and how it is processed. If Maritime Microfinance Bank Limited does hold personal data about you, you can request the following information:
- Contact details of the data protection officer, where applicable.
- The purpose of the processing as well as the legal basis for processing.
- If the processing is based on the legitimate interests of Maritime Microfinance Bank Limited or a third party, information about those interests.
- The categories of personal data collected, stored and processed.
- Recipient(s) or categories of recipients that the data is/will be disclosed to.
- If we intend to transfer the personal data to a third party or international organization, information about how we ensure this is done securely. The Attorney General of the Federation will approve sending personal data to some countries because they meet a minimum standard of data protection. In other cases, we will ensure there are specific measures in place to secure your information.
- How long the data will be stored.
- Details of your rights to correct, erase, restrict or object to such processing.
- Information about your right to withdraw consent at any time.
- How to lodge a complaint with the supervisory authority (NITDA).
- Whether the provision of personal data is a statutory or contractual requirement, or a requirement necessary to enter into a contract, as well as whether you are obliged to provide the personal data and the possible consequences of failing to provide such data.
- The source of personal data if it wasn’t collected directly from you.
- Any details and information of automated decision making, such as profiling, and any meaningful information about the logic involved, as well as the significance and expected consequences of such processing.
What forms of ID will I need to provide in order to access this?
Maritime Microfinance Bank Limited accepts the following forms of ID (but not limited to) when information on your personal data is requested: International Passport, Driving license, National identity card, Permanent voters’ card.
More information
Please do not hesitate to get in touch with us via the contact page on our website if you have any questions or queries regarding our privacy policy.
Maritime Microfinance Bank Limited may revise or update this privacy policy and will post the revised privacy policy on our website,
Cookies and similar technologies
We and our third-party service providers may use cookies and similar technologies to support the operation of our digital offerings. Cookies are small amounts of data that a website or online service exchanges with a web browser or application on a visitor’s device (for example, computer, tablet, or mobile phone). Cookies help us to collect information about users of our digital offerings, including date and time of visits, pages viewed, amount of time spent using our digital offerings, or general information about the device used to access our digital offerings. Our cookies are also used for security purposes and to personalize your experience, such as customizing your screen layout.
You can refuse or delete cookies. Most browsers and mobile devices offer their own settings to manage cookies. If you refuse a cookie, or if you delete cookies from your device, you may experience some inconvenience in your use of our digital offerings. For example, you may not be able to sign in and access your account, or we may not be able to recognize you, your device, or your online preferences.
Both Maritime Microfinance Bank Limited and third-party service providers we hire may use cookies to personalize content and ads, to provide social media features and to analyse our traffic. We also share information about your use of our site with our social media, advertising and analytics partners in accordance with our Privacy Statement.