Privacy Policy

GMB Microfinance Bank Ltd (“we”, “our”, “us”) operates the mobile application GMB Mobile (the “App”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile banking services. Please read this policy carefully.

We collect and process the following types of information to enable your banking transactions and improve our services: *Personal Information: Full name, phone number, email address, account details, BVN, and other KYC-related data. *Transaction Information: Details of your fund transfers, bill payments, and airtime purchases. *Device Information: Device model, operating system, IP address, and unique identifiers. *Location Information: We may collect your location to prevent fraud and for regulatory compliance. *Camera Access: Used for capturing documents or profile photos for verification purposes. *Storage Access: Used to save and upload receipts, ID cards, and other required files. *Contacts Access: Used to enable you to select contacts for transfers and communication.

We use your information to: *Provide, operate, and maintain your mobile banking services. *Process transactions and send related information such as confirmations and notifications. *Improve the performance and security of our systems. *Verify your identity and prevent fraudulent activities. *Comply with applicable laws and regulatory requirements of the Central Bank of Nigeria (CBN) and NDIC.

We do not sell or rent your personal information. However, we may share data with: *Regulatory authorities such as CBN and NDIC when required by law. *Our trusted service providers and technical partners (e.g., payment processors, network providers) for service delivery. *Law enforcement agencies when required by legal request or court order.

We implement strong administrative, technical, and physical safeguards to protect your information against unauthorized access, disclosure, alteration, or destruction. However, no electronic transmission or storage method is 100% secure, and we cannot guarantee absolute security. We retain your information as long as your account is active or as needed to comply with legal, accounting, or reporting obligations under Nigerian law.

As a user in Nigeria, you have rights to: *Access and request a copy of your personal information. *Request correction or deletion of inaccurate or incomplete data. *Withdraw consent for processing where applicable. *To exercise any of these rights, please contact us at support@gmbmfbank.com

Our app may contain links or integrations with third-party services (such as bill payment gateways or airtime vendors). We are not responsible for the privacy practices or content of those services. Please review their respective policies.

GMB Mobile is not intended for individuals under the age of 18. We do not knowingly collect personal data from minors. If we become aware of such data, it will be deleted immediately.

We may update this Privacy Policy from time to time to reflect changes in our practices or for regulatory reasons. The updated version will be posted on our website and within the app, with the effective date clearly stated.

If you have any questions, concerns, or complaints about this Privacy Policy, please contact us at: GMB Microfinance Bank Ltd Community Plaza, Eke Market Square, Nibo, Awka South L.G.A, Nigeria Email: support@gmbmfbank.com