MISME DEVELOPMENT BANK Online Privacy Notice
Last updated 03 Marxh 2024
MISME BANK (MISMEBANK) operations rely on trust and your privacy is just as important to us as your finances. We conduct regular assessment reviews of our policies and operate in accordance with rigorous privacy standards to ensure that personal information we collect, use and/or share is protected. This Online Privacy Notice (“policy”) describes how MISME BANK manages personal information about you when you interact with us online through our websites, mobile applications, event registration sites and social sites through your computer, smartphone, tablet or other mobile devices.
What this policy covers
This MISME BANK policy covers how we collect personal information when you visit, use, or interact with MISME BANK websites, mobile applications and other online services including our ads displayed through online services operated by us or non-affiliated third parties. It describes how we may use and share personal information collected to deliver products and services to you and for advertising or event management purposes as well as explains your privacy options and rights. Our online services are intended for and limited to MISME BANK clients. The term “MISME BANK” or “we”, “us” or “our” in this Notice refers to MISME BANK and its banking and non-banking affiliates or subsidiaries in Nigeria and other countries we would have established a subsidiary prior to updating this policy.
By using our Sites, mobile applications, and other online services, you agree to the terms and conditions of this Notice. If you visit or use one of our online services in Nigeria or any country outside of Nigeria, your information may be processed in Nigeria or in the country you accessed the site from and transferred to MISME BANK HQ. If you do not fit in with the audience, stop and do not use our services.
What this policy does not cover
This Privacy Policy does not apply to the websites, mobile applications, or other online services of the third parties and their affiliates. It also does not apply to non-MISME BANK companies, such as our co-branded partners, auto dealerships and auto-finance companies, or any third-party websites that we connect to online. MISME BANK works with third-party providers who are contractually obligated to comply with our policies to protect information. However, if you visit or access one of these third-party provider sites or mobile apps, please review the online privacy practices of that site or mobile app to understand the specifics of how your online personal information may be collected, used and/or shared.
Updates to this Notice
This Notice is subject to change. We update this Notice periodically to comply with the most recent federal and local laws. Please review it whenever you have questions. If we make changes to this Notice, we will revise the Last updated date on this page.
Our Online Privacy Practices
Transparency about your personal information is very important to us, which is why we ask for your consent when required, otherwise by using our Site and Mobile Apps, you consent to the collection, use and sharing of your personal information subject to and consistent with applicable laws, regulations and other notices you may have received based on your relationship with us.
Linking to other sites
We may provide links to non-affiliated third-party sites, such as credit bureaus, service providers or merchants. If you follow links to sites not affiliated with, or controlled by MISME BANK, you should review their privacy and security policies as well as other terms and conditions, as they may be different from those of our Sites and Mobile Apps. MISME BANK does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness or reliability of their information.
Protecting your personal information
Protecting your personal information is as important to us as protecting your finances. In order to protect personal information from unauthorized access and use, we use security measures that comply with applicable federal, national and state laws. These measures may include device safeguards, secured files and buildings as well as oversight of our third-party providers to ensure personal information remains confidential and secure. In the event of a data breach, we provide timely notification, in accordance with applicable laws and regulations.
We also acknowledge the importance of protecting privacy where children are involved. Our Sites and Mobile applications are not marketed to individuals under the age of 12, and we request that these individuals do not provide personal information through our Sites and Mobile Apps. We do not knowingly collect personal information from children under 12.
Accuracy of personal information
Keeping your personal information accurate and up to date is very important. If your personal information is incomplete, inaccurate or not current, please make the change directly from your account, update your KYC (confirm your credentials), use the Contact Us option on our Sites and Mobile Apps, or call or write to us at the telephone numbers or appropriate address for changes listed on your account statements, records, online or other account materials. You can also speak to a customer representative at a financial center, your Financial Advisor or any account representative.
How does MISME BANK collect personal information online?
· Directly from you
MISME BANK and third parties on our behalf may collect personal information about you directly from you through your computer or mobile devices by the use of cookies and similar tracking technologies (see our Cookie Policy for details) as well as personal information you provide when you visit or use our Sites to apply or register for our products and services, use our online banking services or mobile apps, communicate with us, respond to surveys, provide feedback, or our enter contests or promotions. Third-party providers are contractually obligated to comply with our policies to protect information we share with them, or they collect on our behalf.
· Automatically when you use our Online Services
MISME BANK and third parties on our behalf may automatically collect Device Data, Online/Mobile Activity Data, and other information when you interact with us online.
The personal information we collect is limited to what is required for us to provide our products or services and to support legal and risk requirements. For additional information, please review the How do we use your personal information section of this Notice.
What information does MISME BANK collect online?
The type of personal information we collect from and about you online will depend on how you interact with us and may include:
How do we use your personal information?
Personal information collected from and about you online described in this Notice may be used for many purposes such as:
We retain personal information for a period of time as required by laws and regulations and the necessary business purpose. We securely delete personal information as soon as legally permitted.
Individual health and/or sensitive information
To the extent that we receive, maintain, or process an individual’s health information, MISME BANK may use and disclose that information as authorized by and in accordance with applicable federal and/or state law. At the time of event registration participants may provide information that requires special accommodation. This information will be used only to the extent necessary to facilitate any special accommodation for event participation.
How do we share this information?
We may share the personal information we collect from and about you online described in this Notice (and subject to other legal restrictions and notices you may have received depending on your relationship with us) with:
How to limit sharing
You have choices regarding the sharing of some personal information. Where appropriate, we will limit sharing of your personal information based on your privacy choices. You can register your choices online.
Online tracking technology used by MISME BANK
We and third-party providers acting on our behalf use a variety of online tools and technologies to collect information when you visit or use our online services, including Device Data and Mobile/Online Activity Data. We may use these tools to collect information for debugging, fraud prevention, session management, and other necessary purposes. We also use these to conduct personalization, analytics, and targeted advertising on or through the Online Services. We may associate this tracking data with your MISME BANK account (if you have one).
These tools include:
Online Behavioral Advertising
Personal information collected from and about you online, as described in this Notice, is used and shared to deliver advertising and marketing, including pre-screened offers of credit, which may be of interest to you. We present tailored ads to you on our Sites and Mobile applications through ads that appear as you sign on or off of your online accounts. In off-line channels such as financial centers, call centers, and through direct marketing (for example email, mail, phone). On third-party sites and mobile applications not affiliated with MISME BANK.
· How we tailor ads to you: Advertising on our sites, mobile applications, and off-line channels such as financial centers, call centers, and through direct marketing (for example email, mail, phone): We may use personal information about your activities on our Sites and Mobile Apps, such as pages visited and key words entered, to help determine which of our ads or offers may be of interest to you. We may use personal information about your relationship with us (such as types of accounts, transactional information, or the location in which you bank) to help determine which advertisements or offers to present to you.
· Advertising on non-affiliated third-party sites and mobile apps: MISME BANK contracts with advertising companies to advertise our products and services on sites and mobile applications not affiliated with us. We may use personal information we have collected or that you have provided to assist our non-affiliated third-party sites and mobile applications to select bank ads or offers that may appeal to you, display them to you and monitor your responses. Non-affiliated third party sites and mobile applications are not subject to MISME BANK Privacy Notices.
How you can opt out of Online Behavioral Advertising
You have choices about how MISME BANK advertises to you based on your online behavior.
Additional Information Third-party data sharing
Some companies may offer aggregation websites and services that allow you to share your data with them in order to consolidate your account information from different sources (such as your accounts with us or with other financial institutions) so that you can view it in one location or perform actions related to your accounts using their services. To do this, a third party may request you to authorize access to your MISME BANK accounts by providing your MISME BANK user ID and password or by providing your information-sharing consent directly to MISME BANK.
• The third party may access, on your behalf, information about you, your MISME BANK relationship, and your
accounts at MISME BANK.
• You should use caution and ensure that the third party has appropriate policies and practices to protect the privacy and security of any personal information you provide or to which they are gaining access.
• Use of your information by the third party is governed by your agreement with them, not by MISME BANK. We recommend reviewing the third parties’ policies before sharing your personal information to understand how they will use and store your account information. For example, look for whether they sell any of your personal information, and if your information will be transferred, processed, or stored outside of Nigeria.
• We are not responsible for the use or disclosure of any personal information accessed by any company or person to whom you provide your site user ID and password.
• If you share your MISME BANK user ID, password or other information about your accounts with others, we will
consider that you have authorized any transaction or action initiated by using the access information you provide.
• If you decide to revoke the authority you have given to a third party, we strongly recommend that you change your MISME BANK password to ensure that the third party cannot continue to access your account.
• You may revoke your consent for certain third parties through the Security Center within MISME BANK Online Banking.
Social media
MISME BANK engages with customers on social media platforms such as Rogachat, Facebook®, Twitter®, YouTube® and LinkedIn®.
• Any content you post on official MISME BANK managed social media pages, such as pictures, information, opinions or any personal information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms.
• When interacting with official MISME BANK social media pages, MISME BANK’s privacy notices, Social Media User
Terms and Community Guidelines may apply.
• Please review the privacy policy for the specific social media service you are using to better understand your rights and obligations with regard to such content. We may allow social share buttons on our sites that enable users to easily share information on social media platforms. The non-affiliated third parties that own these widgets may have access to information about your browsing on pages of our Sites and Mobile applications where these widgets are placed.