Chikum Microfinance Bank Limited values your continual patronage and is committed to protecting your privacy in the course of your interactions with us. This page explains the collection, usage and management of personal information provided in the course of your transaction and interaction with us.

Information Collection
Chikum Microfinance Bank Limited collects the personally identifiable information which you provided while accessing any of our services virtually or physically at our office in order to provide you with better experience and improve the quality of our services.These personally identifiable information includes-Name, Nationality, Gender, Date of birth, Religion, Bank Verification Number (BVN), Phone number, National Identity Number (NIN), Driver’s License, International Passport Number, Permanent Voters Card (PVC) and any other valid means of identification as may be applicable and in use from time to time, Contact details (address, email and phone number), Employment information (name of organization, job title, level, work experience, industries worked in, previous remuneration), References and background checks .

Information Usage
Chikum Microfinance Bank Limited uses the personally identifiable information you provide to communicate with you in response to your enquiries, to provide the services you requested, manage your account and improve employment processes. We will not disclose or divulge such data outside of Chikum Microfinance Bank Limited, other than to third party providers that assist us in providing the services as required by the law or approved regulatory bodies within Federal Republic of Nigeria .
Chikum Microfinance Bank Limited does not share, sell, rent or trade personally identifiable information with third parties for their promotional purposes.
We will endeavour to keep your information accurate and up to date, and not keep it for longer than is required but we depend on our users to update or correct their personal information whenever necessary. Chikum Microfinance Bank is required to retain information in accordance with the law. How long certain kinds of personal data should be kept may also be governed by specific business-sector requirements and agreed practices. Personal data may be held in addition to these periods depending on individual business needs.
Chikum Microfinance Bank Limited only processes personal information for the purposes described in this Privacy Policy and/or the supplementary privacy notices for specific services. In addition to the above, such purposes include:
• Providing our services to users which include the display of customized content
• Auditing, research and analysis in order to maintain, protect and improve our services
• Ensuring the technical functioning of our network
• Developing new services.

Log Information
When you access Chikum Microfinance Bank Limited services, our servers automatically record information that your browser sends whenever you visit a website.

User Communication
When you send e-mail or other communications to Chikum Microfinance Bank Limited, we may retain those communications in order to process your inquiries, respond to your requests and improve our services.

Affiliated sites
We offer some of our services in connection with other web sites e.g. Websites of our subsidiaries. Personal information that you provide to those sites may be sent to Chikum Microfinance Bank Limited in order to deliver the service. We process such information in accordance with this Privacy Policy. The affiliated sites may have different privacy practices and we encourage you to read their privacy policies.

What other data privacy rights do you have?
Although not always absolute, you also have some other rights. At any point, while Chikum Microfinance Bank Limited is in possession of or processing your personal data, you, the data subject, have the right to:
• Correct your data in our custody that is inaccurate or incomplete.
• Ask for the data we hold about you to be erased from our systems which will be processed according to the law. Restrict processing of your personal data where certain conditions apply.
• Have the data we hold about you transferred to another organization.
• Object to certain types of processing, such as direct marketing
• Object to automated processing like profiling, as well as the right to be subject to the legal effects of automated processing or profiling.
Where a third party is involved in the processing of your personal data, all of the above requests will be forwarded, as appropriate, to Chikum Microfinance Bank Limited Data Protection Officer.

What forms of ID will I need to provide in order to access this?
Chikum Microfinance Bank Limited accepts the following forms of ID (but not limited to) when information on your personal data is requested: International Passport, drivers license, national identity card, permanent voter card.

What Constitutes your Consent?
Where processing of Personal Data is based on consent, we shall obtain the requisite consent at the time of collection of the Personal Data. In this regard, you consent to the processing of your Personal Data when you access our platforms, or use our services, content, features, technologies or functions offered on our website or other digital platforms. You can withdraw your consent at any time but such withdrawal will not affect the lawfulness of processing based on consent given before its withdrawal.

Security and Retention of your Personal Data
Your Personal Data is kept private and we make every effort to keep your Personal Data secure, including restricting access to your Personal Data with us on a need to know basis. We require our staff and any third parties that carry out any work on our behalf to comply with appropriate security standards to protect your Personal Data.
We take appropriate measures to ensure that your Personal Data is only processed for the minimum period necessary in line with the purposes set out in this policy or as required by applicable laws, until a time it is no longer required or has no use. Once your Personal Data is no longer required, we destroy it in a safe and secure manner.

Changes to our Privacy Policy
Due to constant changes in technology and regulatory requirements, we may need to change our privacy policies or update it from time to time. You will always be able to find the most recent version of our updated privacy policy on this site.

More information
Please do not hesitate to get in touch with us via the contact page on our website if you have any questions or queries regarding our privacy policy.
To contact our Data Protection Officer, kindly address your request to “The Data Protection Officer” at160 Wetheral Road, Villa Mariae Owerri, Imo State or send an email to dpo@chikummfb.com