Privacy Policy
Last Updated: January 23, 2026
Introduction
This Privacy Policy describes how [BANK_NAME] (“we,” “us,” or “our”) collects, uses, discloses, and protects your personal information when you use our mobile banking application (the “App”). By using the App, you consent to the practices described in this Privacy Policy.
We are committed to protecting your privacy and ensuring the security of your personal information in compliance with applicable data protection laws, including the Nigeria Data Protection Regulation (NDPR) and other relevant regulatory requirements.
Information We Collect
- Personal Information
When you register for and use our App, we may collect the following personal information:
Identity Information: Full name, date of birth, gender, nationality
Contact Information: Phone number, email address, residential address
Government-Issued Identification: National Identification Number (NIN), Bank Verification Number (BVN), passport number, driver’s license, or other government-issued ID documents
Financial Information: Account details, transaction history, account balances
Biometric Data: Facial recognition data and fingerprint data (for identity verification during KYC and authentication)
Photographs: Selfie images and ID document photos for identity verification
- Device Information
We automatically collect certain device information when you use the App:
Device Identifiers: Unique device ID generated for your device Device Details: Device name, model, brand, and manufacturer
Operating System Information: OS name and version (iOS/Android) Application Information: App version and build number
- Location Information
With your consent, we collect:
Geographic Location: Latitude and longitude coordinates (collected once during device registration for security verification)
Location Accuracy: Precision level of location data collected
- Network Information
We collect network-related data including:
IP Address: Your device’s Internet Protocol address Network Type: WiFi or cellular network status
- Contact Information (Optional)
With your explicit permission, we may access:
Contacts: Phone numbers from your contact list (only when you choose to select a contact for airtime or data purchase)
- Usage and Analytics Data
We collect information about how you interact with the App:
Transaction Data: Details of financial transactions you perform
App Usage Patterns: Features used, screens visited, and interaction timestamps
Error and Diagnostic Logs: Technical information to help us identify and fix issues
How We Use Your Information
We use the collected information for the following purposes:
Security and Fraud Prevention
Verifying your identity during registration and login Detecting and preventing fraudulent activities
Securing your account through biometric authentication Monitoring for suspicious activities
Service Delivery
Processing your financial transactions Providing customer support
Sending transaction notifications and alerts
Enabling push notifications for important account updates
Regulatory Compliance
Complying with Know Your Customer (KYC) requirements Meeting Anti-Money Laundering (AML) obligations
Fulfilling reporting requirements to regulatory authorities Maintaining required records for audit purposes
Service Improvement
Analyzing app performance and user experience Troubleshooting technical issues
Developing new features and services Optimizing app functionality
Communication
Sending service-related notifications Providing security alerts
Delivering promotional communications (with your consent)
How We Share Your Information
We may share your information with the following parties:
Regulatory Bodies and Government Agencies
Central Bank of Nigeria (CBN)
Nigeria Data Protection Bureau (NDPB) Financial Intelligence Unit (NFIU)
Other regulatory authorities as required by law
Identity Verification Partners
QoreId: For KYC identity verification services (BVN validation, NIN verification, facial recognition)
Service Providers
Cloud hosting providers for data storage
Push notification services (OneSignal) for delivering notifications Payment processing partners
Analytics providers
Legal Requirements
We may disclose your information when required to:
Comply with legal obligations
Respond to lawful requests from law enforcement Protect our rights, privacy, safety, or property
Prevent or investigate possible wrongdoing
Data Security
We implement robust security measures to protect your personal information:
Technical Safeguards
Encryption: All data is encrypted in transit using TLS/SSL protocols and at rest using industry- standard encryption
Secure Storage: Sensitive data is stored in secure, encrypted storage on your device (Expo
SecureStore)
Biometric Authentication: Optional fingerprint and Face ID authentication for enhanced security Device Registration: Unique device identification to prevent unauthorized access
Organizational Measures
Access controls limiting who can view your data Regular security audits and assessments
Staff training on data protection Incident response procedures
Data Retention
We retain your personal information for as long as:
Your account remains active Necessary to provide our services
Required by applicable laws and regulations (minimum 6 years for financial records as required by CBN guidelines)
Needed for legitimate business purposes
After these periods, your data will be securely deleted or anonymized.
Your Rights
Under applicable data protection laws, you have the following rights:
Right to Access
You can request a copy of the personal information we hold about you.
Right to Rectification
You can request correction of inaccurate or incomplete personal information.
Right to Deletion
You can request deletion of your personal information, subject to legal retention requirements. To exercise these rights, please contact us using the information provided below.
Cookies and Tracking Technologies
The App may use:
Analytics Tools: To understand app usage patterns
Session Tokens: To maintain your authenticated session
Local Storage: To store preferences and improve performance
Third–Party Links
The App may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.
Children‘s Privacy
Our App is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal information, we will take steps to delete such information.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by:
Posting the updated policy in the App Sending you a notification
Displaying a prominent notice within the App
Your continued use of the App after such modifications constitutes your acceptance of the updated Privacy Policy.
Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
Triple A Microfinance Bank Limited
Email: support@tripleamfb.com
Phone: 08073991230 – 51, 08090315702
Address: Strong Tower Plaza, Plot 826, Solomon Lar Way, Utako District, Abuja
Data Protection Officer: DPO@tripleamfb.com
Consent
By downloading, installing, and using this App, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with any part of this Privacy Policy, please do not use the App.
Regulatory Information
This App and its services are regulated by:
Central Bank of Nigeria (CBN)
Nigeria Data Protection Commission (NDPC)
License Number: 869754
This Privacy Policy is effective as of January 23, 2026.
