• The Company reserves the right to amend this Privacy Policy at any time. When it does, the Company will also revise the 'last updated' date at the bottom of this Privacy Policy.
• The Company will notify you by email regarding material changes to this Privacy Policy that will affect information collected from you in the future. However, the Company will not notify you in certain circumstances, such as in connection with investigation of a breach of an agreement, contravention of laws, an emergency where the life, health or security of an individual is threatened, the collection of a debt or in compliance with the request of a law enforcement agency or a court order.
• You may withdraw your consent for collection, use and disclosure at any time by sending an email using the Company's contact details on the 'Contact Us' portion on the Bank's Site. Please note that, if you withdraw your consent for collection, use and disclosure, the Company may suspend its provision of Services to you.
• By continuing to access and use the Services, you are deemed to have accepted the changes to the provisions of this Privacy Policy.
• If you provide the Personal Information of any third party to the Company, we assume that you have obtained the required consent from the relevant third party to share and transfer his/her Personal Information to us.

Voluntarily Submitted Data

When you sign up for the Company's Services, pay for a subscription, consult with our customer service team, send us an email, post on our blog or communicate with us in any way, you are voluntarily giving us information that we process, including, but not limited to; name, username, email address, mobile number, IP address, credit card information, bank information, and purchase history. By submitting this information, you consent to its' collection, usage, disclosure, and storage by us, as described in our Terms of Use and in this Privacy Policy.

Automatically Collected Data

When you use the Services or browse any of our platforms, we may collect information about your visit, your usage of the Services, and/or your web browsing; which may include your IP address, operating system, device type, operating system, browser ID, browsing activity, and other information about how you interacted with our Site or mobile applications. We may collect this information as a part of log files or through the use of cookies or other tracking technologies.

Service Usage Data

We may receive information about how and when you use the Services, store it in log files or other types of files associated with your account, and link it to other information we collect about you. This information may include, for example, your IP address, time, date, browser used, and actions you have taken within the Site or mobile applications. This type of information helps us to improve our Services for both you and for all our users.

Cookies Data

The Site uses cookies. Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. We use strictly necessary cookies, analytical/performance, functionality and targeting/advertising cookies on the Platforms. These cookies may allow:

• Strictly necessary – us remember any of the features and services you use such as savings, fixed deposit, bill payment, tap and pay amongst others.
• Functionality – us to remember choices you make to improve your experience (such as your username, age classification etc.)
• Advertising or targeting – third party advertising companies to display advertisement more relevant to you and your interests. As part of their services, they will place a separate cookie on your computer to help them precisely target advertising to you. These third-party advertising companies do not collect personally identifiable information.
• Analytical or Performance – us and/or third-party partners collect anonymous information including but not limited to performance and website improvement. This may include web analytics, error management and testing designs.

Mobile Application Data

When you use our mobile applications, we may collect additional information beyond what is described elsewhere in this Policy. This includes details such as the type of device and operating system you use. We may ask if you wish to receive push notifications. If you opt-in and later decide you no longer want to receive them, you can disable them through your device's operating system. We may utilize mobile analytics software to gain insights into how users interact with our application, including the frequency of use and other performance metrics. Additionally, we may collect location data to provide enhanced services and improve user experience. This includes both precise and approximate location data, gathered through GPS, Wi-Fi, and cellular networks, to offer location-based services and features tailored to your needs.

For Promotional Purposes

This includes sending you emails relating to the merits of a product, service, brand or issue. You can stop receiving our promotional emails by following the 'unsubscribe' instructions included in every email we send, or by adjusting your marketing preferences in your profile. This data is processed in accordance with consent under the NDPA and extant data protection laws.

For Billing Purposes

This includes sending you emails, invoices, receipts, notices of delinquency, and alerting you if we need a different credit card number. We use third parties for secure credit card transaction processing, and we send billing information to those third parties to process your orders and credit card payments. This data is processed in accordance with consent and third-party data processing contract requirements under the NDPA and extant data protection laws.

To Provide and Improve Our Services

This includes, for example, aggregating information from your use of the Services or visit to our platforms and sharing this information with third parties to improve our Services. This might also include sharing your information with third parties so as to provide and support our Services. When we do have to share Personal Information with third parties, we take steps to protect your information by requiring these third parties to enter a contract with us that requires them to use the Personal Information we transfer to them in a manner that is consistent with this policy. This data is processed in accordance with consent and third-party data processing contract requirements under the NDPA and extant data protection laws.

For Account and Support Communication

For example, we may inform you of subscription payment successes or failures, password reset attempts, and other support-related functions. This data is processed in accordance with consent requirements under the NDPA and extant data protection laws.

For Platform Alerts

For example, we may inform you of temporary or permanent changes to our Services, such as pricing changes, planned outages, new features, version updates, releases, abuse warnings, and changes to our Privacy Policy. This data is processed in accordance with the contract requirements under the NDPA and extant data protection laws.

For Job Applications

When you apply for a job with us, we may collect personal data related to your education, employment history, and health status. This information is used to assess your application and fulfill any monitoring requirements under applicable employment laws. As part of the application process, you will be asked to provide explicit consent for the use of this data. We may also conduct screening checks, including reference, background, and criminal record checks. Your personal data may be shared with academic institutions, recruiters, health maintenance organizations, law enforcement agencies, referees, and previous employers. Without this data, we may be unable to process your job application.

For Legal Purposes

For example, complying with court orders, valid discovery requests, valid subpoenas, to prosecute and/or defend a court, arbitration, or similar legal proceeding. To respond to lawful requests by public authorities, including meeting with national security or law enforcement requirements. To provide information to representatives and advisors, including attorneys and accountants, to help us comply with legal, accounting, or security requirements. This data is processed in accordance with legal obligation under the NDPA and extant data protection laws.

For Transfer Purposes

In the case of a sale, merger, consolidation, liquidation, reorganization, or acquisition. In that event, any acquirer will be subject to our obligations under this Privacy Policy, including your rights to access and choice. We will notify you of the change either by sending you an email or posting a notice on our website. This data is processed in accordance with legal obligation under the NDPA and extant data protection laws.

• to its employees, independent contractors, subsidiaries, affiliates, consultants, business associates, service providers, suppliers and agents, acting on its behalf for any of the identified purposes;
• if it has reason to believe that disclosure is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference (either intentionally or unintentionally) with the Company's rights or property, other users of the Platforms, the Services, or anyone else that could be harmed by such activities;
• in the event of business transfers which may occur when we sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, personal data may be part of the transferred assets; and
• to respond to judicial process and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law.

Disclaimer

We are committed to keeping your information secure by implementing appropriate technical and organizational measures to prevent unauthorized or unlawful processing, as well as accidental loss, destruction, or damage. While we strive to protect your personal data, we cannot guarantee its security when transmitted to other websites via the internet or similar connections. If you have been provided with (or have chosen) a password to access certain areas of our Sites, please keep this password safe. We will not share your password with anyone. As a user of our Services, you acknowledge and agree that you are responsible for safeguarding your account. You must not disclose your password to anyone or allow anyone to use your account.

Right to Rectification

Users can modify or change their name, email password, and mobile login PIN via their profile. For all other requests, such as updating email address or mobile number, please contact us at info@teerusbank.com.

Right of Access, Right to Erasure, Right to Restrict Processing

Users can request access or erasure of their personal information, as well as request restriction on further processing of their personal information by contacting us at info@teerusbank.com. Please allow up to 10 (ten) working days for requests to be processed. The Company reserves the right to charge a reasonable fee to process excessive or repeat requests.

Right to Withdraw Consent

Users can stop receiving our promotional emails by following the 'unsubscribe' instructions included in every email we send, or by adjusting your marketing preferences in your profile. Users also have choices with respect to cookies, as described above and more particularly set out in the Cookie Policy accessible here.

Right to lodge a complaint with a supervisory authority

Should you feel your data privacy rights are not being adequately protected by the Company, you have the right to lodge a formal complaint with the Nigeria Data Protection Commission (NDPC).

Right to request Transfer

You may request the transfer of your personal information to you or a third party for any purpose outside the provision of the Services. Please note that this right applies only to information which you initially provided consent for us to use or where we used the information to provide our Services to you.

General Questions

If you have general questions concerning this Privacy Policy, please contact us at: info@teerusbank.com.

• Tel: 08036889755
• Teerus Microfinance Bank Limited
• Address: Suite 6, LSDPC Complex, Alaka, Surulere, Lagos, Nigeria.