Privacy Policy

1. Introduction

Minjibir MFB ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our banking services, mobile application, and website.

2. Information We Collect

We collect information that you provide directly to us and information that is automatically collected when you use our services:

• Personal Information: Name, email address, phone number, BVN, NIN, date of birth, address, and other identification documents.
• Financial Information: Account numbers, transaction history, payment information, and banking details.
• Device Information: Device type, operating system, unique device identifiers, IP address, and mobile network information.
• Usage Information: How you interact with our services, pages visited, features used, and time spent on our platform.

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our banking services
• Process transactions and manage your account
• Verify your identity and prevent fraud
• Communicate with you about your account and our services
• Comply with legal and regulatory requirements
• Analyze usage patterns to improve user experience

4. Information Sharing and Disclosure

We do not sell your personal information. We may share your information only in the following circumstances:

• Service Providers: With third-party service providers who assist us in operating our services
• Legal Requirements: When required by law, regulation, or legal process
• Regulatory Compliance: With regulatory authorities including the Central Bank of Nigeria (CBN)
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you have given us explicit permission to share your information

5. Data Security

We implement industry-standard security measures to protect your information, including encryption, secure servers, and access controls. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Your Rights

You have the right to:

• Access and review your personal information
• Request correction of inaccurate information
• Request deletion of your information (subject to legal and regulatory requirements)
• Opt-out of certain communications
• File a complaint with relevant regulatory authorities

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience, analyze usage, and assist with security. You can control cookies through your browser settings, but disabling cookies may limit some functionality of our services.

8. Data Retention

We retain your information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Financial records are retained as required by Nigerian banking regulations.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us at: