Our privacy policy
 
 1.0 Your Privacy Rights
This document explains how we respect your privacy when we collect, use, store, share and
protect your personal information. It applies to the Babcock Microfinance Bank (BMFB) websites and all database
applications, services, tools and physical contact with us. You must keep your username,
identification code, password or any other security information secret. Do not share it with
anyone else. We can disable any user identification code or password at any time. We will do
this if we think you have not followed any of these conditions. If you think someone else
knows your security details, you must tell us right away at bfm@babcock.edu.ng.

2.0 Consent
This Privacy Policy applies to your use of BMFB services, whether you access them
through our websites, digital platforms or visit our offices for any reason (collectively
“BMFB services”). You agree to this Privacy Policy by giving your consent when you use
BMFB services. This Policy does not override any separate agreements you may have with
us. We may change this Privacy Policy at any time by posting an updated version on our
websites or displaying a notice at our office facilities. The updated version will take effect 7-
days after it is posted or displayed. 

3.0 Your Personal Information
When you use BMFB Services, we collect information sent to us by your computer, mobile
phone or other electronic access device. The automatically collected information includes but
not limited todata about the pages you access, computer IP address, device ID or unique
identifier, device type, geo-location information, computer and connection information,
mobile network information, statistics on page views, traffic to and from the sites, referral
URL, ad data, standard web log data, still and moving images. We may also collect other
information including but not limited toinformation on web form, survey responses, account
update information, email, phone number, organization you represent, official position,
correspondence with BMFB support services and telecommunication with BMFB. We
may also collect information about your transactions, enquiries and your activities on our
platform or premises. We may also use information provided by third parties like social
media sites..

4.0 What we do with your personal information
BMFB is a faith based educational institution that integrates the totality of the Christian
faith side by side with the academic programme. We make positive impact by nurturing our
students such that their lives reflect Christ. As part of our mandate, we collect and process
your personal information for the following purposes:
- To provide you with BMFB services and support, such as admissions, Health care,
employment;
- To process your applications and send notices about your transactions to relevant parties;
- To verify your identity and ensure your eligibility for our services;
- To collect fees for services rendered; - To manage risk, or to detect, prevent, and/or remediate
fraud or other potentially prohibited or illegal activities;
- To track information breach and remediate such identified breaches;
- To manage and protect our information technology and physical infrastructure;
  - To contact you at any time through your provided telephone number, email address or other
contact details. We value your privacy and we take your personal information seriously in
compliance with the Nigerian Data Protection Act (NDPA 2023) and other applicable laws. We
will only use your information for the reasons stated above and we will not disclose it to any
third party without your permission or as mandated by law.

5.0 How we protect your personal information
We are committed to protecting your personal information and respecting your privacy. We
collect and process your personal information on our computers in Nigeria, where we operate
in accordance with the Nigeria Data Protection Regulation 2019 (NDPR) and other
applicable laws. If we need to transfer your data to another country, we will only do so if that
country has an adequate level of data protection as determined by the Nigeria Data Protection
Commission or if you have given us your explicit consent. We will inform you of the
purpose and legal basis of such transfer before we proceed. We use various security measures
to safeguard your information from unauthorized access, use, disclosure or alteration. These
include firewalls, data encryption, physical access controls and information access
authorization controls.
6.0 How We Share your information within BMFB and other users
  Your personal information is stored and processed on our computers in Nigeria. If we need to
transfer your data to another country, we will only do so if that country has an adequate data
protection law. Otherwise, we will ask for your consent before sending your data to a country
that does not have an adequate data protection law. We use physical, technical, and

administrative measures to protect your information. We may occasionally send you relevant
information such as news items, enforcement notices, statutory notices and essential information
to help us carry out our mandate. We may also share your personal information with other parties
in accordance with national or international laws; crime prevention and risk management
agencies and service providers.

7.0 Security
  We take your information security seriously. We use strong technical and operational measures
to prevent unauthorized access to your information. We have implemented digital and physical
security measures to limit or eliminate possibilities of data privacy breach incidents.

8.0 Data Confidentiality Rights
  We treat your information as confidential and do not disclose it to any third party unless
required by law or regulation. You can access and copy any information we have about you, as
long as you follow the Freedom of Information Act and other relevant laws. BMFB is
committed to protecting the information you entrust to us, but you also have a role in
maintaining confidentiality. This includes,
  but is not limited to, using appropriate security measures such as not sharing passwords and
login details, following physical security protocols on our premises, and only dealing with
authorized officers of the Agency.

 9.0 Links to Other Websites and Premises
 Some payment methods may involve links to external websites or entities that are not affiliated
 with us. BMFB does not endorse or control these websites outside its domain. We do not check
 or approve the content of other party’s websites that are linked from our website or media
 platforms. We are not liable for the opinions or materials on such websites, and they do not
 reflect our views or policies. Please note that we are not accountable for the privacy practices or
 content of these sites. We advise our users to be careful when they leave our site and to read the
 privacy policies of these sites. You should assess the security and reliability of any other site
 linked to our site or accessed through our site yourself, before sharing any personal information
 with them. BMFB will not be responsible for any loss or damage caused by your disclosure of
 personal information to third parties.
 
 10.0 Governing Law
  This Privacy Policy is made pursuant to the Nigeria Data Protection Regulation (2019) and other
relevant Nigerian laws, regulations or international conventions applicable to Nigeria. Where any
provision of this Policy is deemed inconsistent with a law, regulation or convention, such
provision shall be subject to the overriding law, regulation or convention.