Privacy Policy

This Privacy Policy describes how United Merchant Bank ("we," "us," or "our") collects, uses, discloses, and protects the personal information of our customers ("you" or "your") in connection with our digital banking services. We understand the importance of privacy and are committed to safeguarding your personal information. By using our digital banking services, you consent to the practices described in this Privacy Policy.

1. Information We Collect We collect and process personal information that is necessary for providing and improving our digital banking services. The types of personal information we may collect include:

• Contact information (such as name, address, email address, and telephone number)
• Identification information (such as date of birth, government-issued identification numbers, and photographs)
• Financial information (such as bank account details and transaction history)
• Employment information (such as occupation and employer details)
• Authentication credentials (such as usernames and passwords)
• Usage and log data (such as IP address, device information, and browsing history)
• Communication preferences and feedback

2. Use of Personal Information We use your personal information for the following purposes:

• Providing and improving our digital banking services
• Verifying your identity and conducting necessary security checks
• Processing transactions and fulfilling your requests
• Complying with legal and regulatory obligations
• Communicating with you and responding to your inquiries
• Analyzing and improving our services and customer experience
• Preventing fraudulent activities and enhancing security measures

3. Disclosure of Personal Information We may disclose your personal information to third parties in the following circumstances:

• Service providers: We engage trusted service providers to assist us in delivering our digital banking services, and they may access your personal information solely for the purposes of providing these services.
• Legal obligations: We may disclose your personal information when required by law, legal process, or regulatory authorities.
• Business transfers: In the event of a merger, acquisition, or sale of assets, your personal information may be transferred to the acquiring entity.
• Consent: We may disclose your personal information to other third parties with your consent.

4. Data Security We take appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is entirely secure, and we cannot guarantee absolute data security.

5. Data Retention We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

6. Your Rights You have certain rights regarding your personal information, including the right to access, correct, and delete your data. You may also have the right to object to or restrict certain processing activities. To exercise these rights or make inquiries regarding your personal information, please contact us using the information provided below.

7. Changes to this Privacy Policy We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated Privacy Policy on our website or through other appropriate communication channels.

8. Contact Us If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact us at: United Merchant Bank, email:[email protected] Contact:+17623095280

By using our digital banking services, you acknowledge that you have read and understood this Privacy Policy and agree to the collection, use, disclosure, and protection of your personal information as described herein.