This Privacy Policy describes our policies and procedures on the collection, use and disclosure of your information when you use the Service and tells you about your privacy rights and how the law protects you. We use your Personal data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy.

For the purposes of this Privacy Policy:

• Account means a unique account created for you to access our Service or parts of our Service.
• Company refers to Yes Microfinance Bank, 4, Adenubi close, off Majekodunmi Street, Allen Avenue, Ikeja.
• Cookies are small files placed on your device by a website, containing details of your browsing history.
• Country refers to Nigeria.
• Device means any device that can access the Service such as a computer, cellphone or tablet.
• Personal Data is any information that relates to an identified or identifiable individual.
• Service refers to the Website.
• Service Provider means any natural or legal person who processes data on behalf of the Company.
• Usage Data refers to data collected automatically from use of the Service or the Service infrastructure.
• Website refers to Yes Microfinance Bank, accessible from https://www.yesmfbank.com.
• You means the individual accessing or using the Service, or the legal entity on behalf of which such individual is accessing or using the Service.

Personal Data
While using our Service, we may ask you to provide personally identifiable information that can be used to contact or identify you. This may include, but is not limited to:

• Name
• Gender
• Phone number
• Email address
• House/office address
• Date of birth
• Account number, credit card number and expiry date
• Merchant and acquirer information

It is not compulsory to give us this information; if you do not, we may not be able to provide the full range of services. Information is collected electronically and manually when you visit our website and register to use any of our services.

Usage Data
Usage Data is collected automatically when using the Service. It may include your IP address, browser type, browser version, pages visited, time and date of your visit, time spent on those pages, unique device identifiers and other diagnostic data. When you access our service via a mobile device, we may collect device type, unique ID, IP address, operating system, browser type and other diagnostic data.

We use Cookies and similar tracking technologies to track activity on our Service and store certain information. Tracking technologies include beacons, tags, and scripts. This may include:

• Cookies or browser cookies

A cookie is a small file placed on your device. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some parts of our Service. Unless you have adjusted your browser settings to refuse cookies, our Service may use them.

The Site is intended for persons eighteen (18) years or older. Persons under 18 should not access, use or browse this site. We do not knowingly collect information from children under 18. If you are a parent or guardian and become aware that your child has provided us with information without your consent, please contact us using the details provided in this Privacy Policy.

The Company may use Personal Data for the following purposes:

• To provide and maintain our Service, including monitoring usage.
• To manage your Account and registration.
• For the performance of a contract for products, items or services purchased or contracted through the Service.
• To contact you by email, phone, SMS or other electronic communication with updates, security notices and service-related information.
• To provide news, special offers and information about products, services or events similar to those you have purchased or enquired about, unless you opt out.
• To attend and manage your requests.
• For business transfers such as mergers, acquisitions, restructuring or sales of assets.
• For other purposes such as data analysis, identifying usage trends, and improving our Service.

We may share your personal information:

• With Service Providers to monitor and analyze the use of our Service and to contact you.
• For business transfers during negotiations or transactions like mergers or acquisitions.
• With affiliates who must honour this Privacy Policy.
• With business partners to offer products, services or promotions.
• With your consent for any other purpose.

The Company will retain your Personal Data only as long as necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to comply with legal obligations, resolve disputes, and enforce our agreements and policies.

Usage Data is generally retained for a shorter period, except when used to improve security, functionality, or where legally required to retain it longer.

Your information may be processed at the Company's operating offices and in any other locations where the parties involved in processing are located. This means your data may be transferred outside your jurisdiction where data protection laws may differ.

Your consent to this Privacy Policy and submission of information represents your agreement to such transfers. The Company will take reasonable steps to ensure your data is treated securely and in accordance with this Privacy Policy.

Business Transactions
If the Company is involved in a merger, acquisition or asset sale, your Personal Data may be transferred. We will provide notice before it becomes subject to a different Privacy Policy.

Law Enforcement
The Company may be required to disclose your Personal Data if required by law or in response to valid requests by public authorities.

Other Legal Requirements
The Company may disclose your Personal Data if necessary to comply with legal obligations, protect our rights or property, prevent wrongdoing, protect public safety, or defend against legal liability.

The security of your Personal Data is important to us, but no method of transmission over the Internet or electronic storage is 100% secure. While we use commercially acceptable means to protect your Personal Data, we cannot guarantee absolute security.

Yes Microfinance Bank, its directors, officers, agents, licensors, employees and suppliers cannot be held liable for any claims, actions, demands, liabilities or settlements, including legal and accounting fees, resulting from your violation of this Agreement.

Our Service may contain links to other websites not operated by us. If you click a third party link, you will be directed to that site. We advise you to review the privacy policy of every site you visit. We have no control over and assume no responsibility for third party content, privacy policies or practices.

You have rights under data protection laws in relation to your personal data, including:

• Request access to your personal data.
• Request correction of inaccurate data.
• Request erasure of your personal data where applicable.
• Object to processing where we rely on legitimate interests.
• Request restriction of processing.
• Request transfer of your personal data in a structured, machine-readable format.
• Withdraw consent at any time where processing relies on consent.

If you wish to exercise any of these rights, contact us using the details in the Contact Us section. We aim to respond within one month, but complex requests may take longer.

We may update our Privacy Policy from time to time. We will notify you by posting the new Privacy Policy on this page and by email or a prominent notice on our Service prior to the change becoming effective. Review this page periodically for updates.

If you have any questions about this Privacy Policy, you can contact us via email.