Politique de confidentialité

Privacy Policy

Last updated: 2026

1. Who we are

Ultra Pay Microfinance Bank is responsible for the personal data you share with us through our website and banking services.

2. Information we collect

• Identity details (full name, date of birth, government-issued ID)
• Contact information (phone number, email address, residential address)
• Transaction records (amounts, currencies, beneficiaries, timestamps)
• Device and usage data (IP address, login activity)
• KYC verification documents

3. How we use your information

• To open and manage your account
• To process transfers, payments, and other transactions you request
• To meet our KYC/AML obligations under CBN and NDPR regulations
• To detect and prevent fraud
• To communicate with you about your account and our services

4. Legal basis for processing

We process your data to perform our contract with you, to comply with our regulatory obligations, and, where applicable, based on your consent.

5. Data retention

We retain your personal and transaction data for as long as your account is active and thereafter for the period required by applicable banking and financial record-keeping regulations.

6. Your rights

Under the Nigeria Data Protection Regulation (NDPR), you may request access to, correction of, or deletion of your personal data, subject to our legal retention obligations. Contact us to exercise these rights.

7. Sharing your information

We may share your data with regulators, banking partners, and service providers strictly as necessary to deliver our services, under appropriate confidentiality safeguards.