Privacy Policy

Our Privacy Policy

Kebbi State Home Savings and Loans Ltd
Effective Date: 1st August 2025

At Kebbi State Home Savings and Loans Ltd, we are committed to protecting your privacy and maintaining the confidentiality of your personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you engage with our services, in accordance with applicable laws and regulatory standards, including those set by the Central Bank of Nigeria (CBN) and the Nigerian Data Protection Regulation (NDPR).

By accessing our services, whether through our branches, website, mobile platforms, or digital channels, you agree to the practices outlined in this

Information We Collect

We may collect personal and financial information necessary to provide you with safe, reliable, and personalized financial services. This may include:

Full name, gender, date of birth, and contact details
Identification documents (e.g., NIN, BVN, voter’s card, international passport)
Employment and income details
Bank account and transaction information
Loan and savings account history
Device, location, and browsing data (when using our website or mobile app)
Any other data you provide during account registration, loan application, or customer service interactions

How We Use Your Information

We use your data responsibly to:

Open and manage your accounts
Process loan and mortgage applications
Verify your identity and protect against fraud
Communicate important updates, account information, or regulatory notices
Offer financial advisory and personalized product recommendations
Improve our digital platforms and enhance customer experience
Comply with legal, regulatory, and audit obligations

We will only use your data for legitimate purposes and in accordance with your consent or lawful justification.

Information Sharing and Disclosure

We treat your personal information with strict confidentiality. However, we may share your data when necessary with:

Regulatory authorities (e.g., CBN, NDIC, EFCC, FIRS)
Licensed credit bureaus and verification agencies
Partner institutions (e.g., cooperative societies, estate developers), with your consent
Third-party service providers acting on our behalf (e.g., IT, payment processors)
Legal entities, courts, or law enforcement when required by law

We do not sell, rent, or trade your personal data to third parties.

Data Security and Protection

We employ industry-standard security measures to safeguard your personal information. These include:

Secure encryption and data masking protocols
Firewalls and intrusion detection systems
Controlled access to customer data based on job roles
Regular staff training on data privacy and cybersecurity
Secure online banking and transaction verification (e.g., OTPs, two-factor authentication)

Your Rights as a Data Subject

You have the right to:

Access the personal data we hold about you
Request correction of inaccurate or incomplete information
Withdraw consent for specific data processing (e.g., marketing communications)
Request data deletion, subject to legal and regulatory requirements
Lodge a complaint with a data protection authority if your rights are violated

To exercise your rights, please contact us. Our representatives are always available and ready to assist you.

Cookies and Online Activity Tracking

Our website may use cookies and other tracking technologies to improve user experience and monitor site performance. You may manage cookie preferences through your browser settings. However, disabling cookies may affect some site functionality.

Children’s Privacy

Our services are intended for individuals aged 18 and above. For minors, access must be through a parent or legal guardian. We do not knowingly collect personal information from children without consent.

Policy Updates

We may update this Privacy Policy periodically to reflect changes in our services, applicable laws, or security practices. Updated versions will be published on our website, and where appropriate, you will be notified of significant changes.

Your trust is our priority. At Kebbi State Home Savings and Loans Ltd, we are committed to safeguarding your data and delivering services with transparency, security, and integrity.

For inquiries, requests, or complaints regarding your personal data or this policy, please contact us.