Last updated on January 12, 2026.
At Kingdom College Microfinance Bank (KingdomCollegeMFB) (“the Bank”, “we”, “our”, “us”), we value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, process, and safeguard your data when you visit our website, interact with our digital channels, or use any of our services.
By accessing our website or submitting your information, you agree to the practices described in this Privacy Policy.
1. Scope of This Policy
This Privacy Policy applies to:
Visitors to our official website
Users who submit inquiries or contact forms
Customers interacting with our digital platforms
Newsletter subscribers
Marketing and promotional interactions
This policy covers online interactions only and does not replace contractual agreements signed at our physical branches.
2. Types of Information We Collect
We may collect the following categories of personal data:
2.1 Personal Identification Information
Full name
Phone number
Email address
Residential or mailing address
Date of birth (when required)
Government-issued identification (where applicable)
2.2 Financial & Service Information
Product interest preferences
Loan inquiry information
Service request data
Transaction-related references (where applicable)
2.3 Technical & Usage Information
IP address
Browser type
Device information
Operating system
Location data (approximate)
Website interaction data
Cookies and analytics information
3. How We Collect Your Information
We collect personal data through:
Website contact and inquiry forms
Online registration forms
Customer support interactions
Email communication
Cookies and tracking technologies
Surveys and promotional campaigns
4. Purpose of Data Collection
Your information is collected and used for the following purposes:
Responding to customer inquiries
Processing service requests
Improving website functionality and performance
Enhancing customer experience
Providing banking services
Sending service updates and announcements
Regulatory compliance
Fraud prevention and security monitoring
Marketing and promotional communication (where consent is provided)
5. Legal Basis for Processing Personal Data
We process personal data based on one or more of the following legal grounds:
Your consent
Contractual necessity
Legal and regulatory obligations
Legitimate business interests
Public interest requirements
6. Data Sharing and Third-Party Disclosure
We do not sell, rent, or trade your personal information.
However, we may share data with:
Regulatory authorities (CBN, NDPR regulators)
Government agencies (where required by law)
Payment processors and technology service providers
IT service partners
Communication service providers (SMS, Email)
Auditors and compliance partners
All third-party partners are required to comply with strict confidentiality and data protection obligations.
7. Cross-Border Data Transfers
Where necessary, your data may be processed outside Nigeria for:
Cloud hosting services
Payment gateway services
Security infrastructure
In such cases, appropriate safeguards are implemented to ensure your data remains protected.
8. Data Security Measures
We implement technical and organizational security measures including:
Secure server infrastructure
Data encryption
Firewall protection
Access control policies
Multi-factor authentication systems
Regular security audits
Monitoring and logging systems
While we take reasonable precautions, no digital platform can guarantee absolute security.
9. Data Retention Policy
We retain personal data only for as long as necessary to:
Provide banking services
Meet regulatory obligations
Resolve disputes
Maintain transaction records
Perform audits and compliance reviews
When data is no longer required, it is securely deleted or anonymized.
10. Cookies and Tracking Technologies
We use cookies and similar technologies to:
Improve website functionality
Personalize user experience
Analyze website traffic
Track performance metrics
You may manage cookie preferences through your browser settings. Disabling cookies may affect certain website features.
11. Marketing Communications
You may receive promotional messages from KingdomCollegeMFB related to:
New banking products
Service updates
Promotional offers
You have the right to opt out of marketing communications at any time by using the unsubscribe option or contacting us directly.
12. Your Data Protection Rights
You have the right to:
Access your personal information
Request data correction or updates
Request data deletion (subject to regulatory retention laws)
Withdraw consent
Restrict processing
Object to data usage
Request data portability
Lodge complaints with regulatory authorities
13. Children's Privacy
Our services are not directed at individuals under 18 years of age.
We do not knowingly collect personal data from minors without parental consent.
14. Third-Party Websites and Services
Our website may contain links to third-party websites.
We are not responsible for:
External website content
Privacy practices of third parties
Data handling policies of other platforms
We encourage users to review third-party privacy policies.
15. Updates to This Privacy Policy
We reserve the right to modify this Privacy Policy at any time.
Any updates will be posted on this page with a revised effective date.
Continued use of our website constitutes acceptance of the updated policy.
16. Data Protection Officer (DPO) Contact
For privacy-related concerns, data access requests, or complaints, please contact:
Data Protection Officer (DPO)
Kingdom College Microfinance Bank
Email: privacy@kingdomcollegemfb.com
Phone: +234 912 293 9428
Office Address: 1-5 Kingdom College Phase one Road, Ozu-Abam.