At UGA Microfinance Bank, we are committed to protecting the privacy and security of our customers' personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you interact with us through our website, services, and other channels.

Contact Information:

Phone: 0705 248 8253
Email: info@ugamfb.com
Website: www.ugamfb.com
Office Address: Oye Market Square, P.O. Box 508, Aguata LGA, Anambra State

1. Information We Collect

We may collect the following types of information:

• Personal Information: Name, contact details (phone number, email address), date of birth, and identification documents.
• Financial Information: Bank account details, transaction history, income details, and loan application data.
• Digital Information: IP address, browser type, device information, and cookies collected when you use our website.

2. How We Use Your Information

We use the information collected for:

• Providing and managing our banking services.
• Processing transactions, loan applications, and customer requests.
• Ensuring compliance with regulatory and legal requirements.
• Improving our services and website functionality.
• Communicating updates, offers, and other relevant information.

3. Sharing of Information

• We do not sell or rent your personal information to third parties. However, we may share your information with:
• Regulatory Authorities: To comply with legal obligations.
• Service Providers: Third-party vendors who assist us in delivering services (e.g., IT support, credit bureaus).
• Affiliates: Within our group of companies for operational purposes.
• Law Enforcement: When required by law or to protect our legal rights.

4. Security Measures

• We implement robust security measures to protect your data, including:
• Data encryption for sensitive information.
• Regular security audits and updates.
• Restricted access to your information by authorized personnel only.

However, no system can guarantee complete security. We encourage you to safeguard your account details and notify us immediately if you suspect unauthorized access.

5. Cookies and Online Tracking

Our website uses cookies to improve user experience. Cookies help us:

Analyze website traffic and usage.

Remember your preferences for future visits.

You can disable cookies through your browser settings, but this may affect the functionality of our website.

6. Your Rights

As our customer, you have the following rights:

Access: Request details of the information we hold about you.

Correction: Update or correct inaccurate or incomplete information.

Deletion: Request deletion of your personal data, subject to legal and regulatory obligations.

Objection: Opt-out of certain data processing activities, such as marketing communications.

To exercise these rights, contact us at info@ugamfb.com or 0705 248 8253.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any updates will be posted on our website at www.ugamfb.com. We encourage you to review this policy periodically.

8. Contact

If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us: Email: info@ugamfb.com
Phone: 0705 248 8253
Office Address: Oye Market Square, P.O. Box 508, Aguata LGA, Anambra State
Thank you for trusting Uga Microfinance Bank with your personal information. We are committed to serving you with integrity and transparency. Effective Date: 2nd January 2025