PRIVACY AND POLICY

1. Change Control

The contents of this document are subject to change control.

Introduction

Ave Maria Mfb has created this privacy policy to explain how Ave Maria Mfb collects, uses, discloses, and protects your Personal Data, including any other information.

This Privacy Policy (“Policy”) and any other document referred to in this Policy sets out the basis on which any personal data that Ave Maria Mfb. (“Ave Maria”, “we” or “us”) collects from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. If you have any comments on this Privacy Policy, please email them to info@avemariamfb.com.

Consent

You accept this Privacy Policy and hereby give Ave Maria Mfb consent to save, process and use your Personal Data to the extent as allowed by law when you provide us with details of your Personal Data or by clicking on the “accept” button or by ticking the “accept” box, you are accepting and consenting to the practices described in this Policy.

Who We Are

Our corporate website address is https://avemariamfb.com/

What We May Collect

We will collect and process the following data about you:

  • Information and Content, you provide. We collect the content, communication, and other information you provide when you use our services. These include when you:

  • fill forms, questionnaires or surveys;
  • sign up for an account;
  • provide credit card details;
  • contact us with an enquiry or ask us to provide you with information;
  • register on our website or app or leave any comments or reviews;
  • inform us of your marketing preferences; and/or communicate with us via social media websites, third party apps or similar technologies.

Collection of Information

Regarding each of your visits to our website, office, or the use of our products, we may collect the following information:

  • Information that you provide to us, for example when you fill out a contact or web form, or if you register to receive alerts or updates.
  • When you contact our customer support whether by phone, email or chat.
  • We may also ask you for information if you experience problems when using this site.
  • Technical information, including the Internet Protocol (IP) address used to connect your computer to the internet, your login information, browser type, time zone setting, browser plug-in types and versions, operating system and platform.
  • Information about your use of our website and mobile application (including date and time), details of transactions you carry out, interaction information, record of any correspondence between us and any phone number used to call our customer service number.
  • Information about your visit(s) from your IP address, including the full Uniform Resource Locators (URL) clickstream to, through and from our site (including date and time); products or services you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks and mouse-overs), and methods used to browse away from the page.

Information we receive from other sources. This is information we receive about you if you use any of the other websites we operate or the other services we provide. In this case we will inform you at the point of data collection, if we intend to share your data internally and combine it with data collected on https://avemariamfb.com/. We will also tell you for what purpose we will share and combine your data. We may work with third parties from time to time and shall notify you when we receive information about you from them and the purposes for which we intend to use that information.

Cookies

Cookies are small files placed on your computer’s hard drive that enables the website to identify your computer as you view different pages. Cookies allow a web server to transfer data to a computer or device for recordkeeping and other purposes. We use cookies and other technologies to, among other things, better serve you with more tailored information and facilitate your ongoing access to and use of our website. If you do not want information collected using cookies, there is a simple procedure in most browsers that allows you to decline the use of cookies. To learn more about cookies, please visit www.allaboutcookies.org.

Use of Personal Data

We use information held about you in the following ways, that is to:

  • tailor the content we display to you;
  • carry out our obligations arising from any contracts entered into between you and us and to provide you with the information, products and services that you request from us;
  • provide you with information about other goods and services we offer that are similar to those that you have already purchased or enquired about;
  • notify you about changes to our service;
  • ensure that content from our product is presented in the most effective manner for you and for your computer;
  • administer our product and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
  • improve our product to ensure that content is presented in the most effective manner for you and for your device;
  • participate in interactive features of our service, when you choose to do so;
  • measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you;
  • make suggestions and recommendations to you and other users of our product about goods or services that may interest you or them.

We will use information provided by you to provide you, or permit selected third parties to provide you, with information about goods or services we feel may interest you. If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) with information about goods and services like those which were the subject of a previous sale or negotiations of a sale to you. If you are a new customer, and where we permit selected third parties to use your data, we (or they) will contact you by electronic means only if you have consented to this. If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, you may unsubscribe from promotional emails via a link provided in each email.

Legal Basis for Processing of Personal Information

We will only process your personal information where we have a legal basis to do so. The legal basis will depend on the purpose for which we have collected and use your personal information.

The legal basis for processing is any of the following:

  • Consent: This will apply where you have provided your consent to the processing of your personal data for one or more specific purposes.
  • Performance of a contract with you: This will apply where processing is necessary for the performance of a contract to which you are a party or to take steps prior to entering a contract with you.
  • Protection of vital interests: This is where processing is required for the protection of your vital interests.
  • Compliance with law: Where we are subject to a legal obligation and need to use your personal information to comply with that obligation.
  • Legitimate interests: We will process your information where it is in our legitimate interest in running a lawful business to do so, provided that it does not override your interests.

Sharing Your Information

We may share your information in the following situations:

  • Third-party service providers. We may share your information with service providers who perform services and functions on our behalf to support our interactions with you including, for example, processing transactions, administering surveys or contests, or communicating with you.
  • As required by law. We may disclose any information we collect, use or receive if required or permitted by law, such as to comply with a subpoena or similar legal process, or to protect the rights, property, or safety of Ave Maria Mfb, our customers or others.
  • Business transfers. We may transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
  • With your consent. We may share information with third parties if you have provided your consent for us to do so.

Data Security

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, please also remember that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your personal information, the transmission of personal information to and from our product is at your own risk. You should only access the services within a secure environment.

Data Retention

We will only retain your personal information for as long as it is necessary for the purposes set out in this privacy policy unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

Third Party Links

Our website may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Privacy by Design

We have adopted the principle of privacy by design and by default. This means that whenever we develop, design, select or use applications, services, and products that are based on the processing of personal data or other activity that involves processing personal data, we take privacy into account from the start. This is known as “privacy by design.” It involves considering privacy issues upfront in everything we do and ensuring that we have adequate measures in place to protect personal data.

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

Disclosure of Your Information

We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries. We may disclose your personal information to third parties:

  • In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
  • If Ave Maria Mfb. or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
  • If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use and other agreements; or to protect the rights, property, or safety of Ave Maria Mfb, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Your Rights

You have the right to:

  • Request access to your personal data.
  • Request correction of the personal data that we hold about you.
  • Request erasure of your personal data.
  • Object to processing of your personal data where we are relying on a legitimate interest.
  • Request restriction of processing of your personal data.
  • Request the transfer of your personal data to another party.
  • Withdraw consent at any time where we are relying on consent to process your personal data.

If you wish to exercise any of the rights set out above, please contact us at info@avemariamfb.com.

Changes to This Policy

Any changes we make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our privacy policy.

Contact

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to info@avemariamfb.com.

 

Last Updated 21st Of February 2025

ABOUT AVE MARIA MFB

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Ave Maria Micro Finance Bank of the Catholic Diocese of Oyo is a faith-based Micro Finance Bank established by the Catholic Diocese of Oyo to cater for all people, with emphasis on the poor and the vulnerable irrespective of religion, race, age or gender that are financially excluded.

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