- PERSONAL BANKING
- BUSINESS BANKING
- CORPORATE BANKING
- GROUP & SUBSIDIARIES
- ABOUT US
- MY BANK AND I
PRIVACY POLICY
1 ABOUT FCMB
First City Monument Bank (FCMB) Limited is a member of FCMB Group Plc, which is one of the leading financial services institutions in Nigeria with subsidiaries that are market leaders in their respective segments. Having successfully transformed to a retail and commercial banking-led group, FCMB expects to continue to distinguish itself by delivering exceptional services, while enhancing the growth and achievement of the personal and business aspirations of our customers.
2 INTRODUCTION
FCMB conducts business in a responsible and sustainable manner and ensures customer information are securely collected, processed, and stored based on business requirements. In furtherance to this and compliance with industry regulations, FCMB has made appropriate documentation, which includes a privacy policy. FCMB therefore provides notice about this policy, applicable procedures and identifies the purposes for which personal information is collected, used, processed, disclosed, retained, and disposed.
Throughout this Privacy Policy, we use the term "personal information or data" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been made anonymous so that it does not identify a specific user.
3. Information we may collect about you.
3.1 Your Personal Information
At FCMB, we strive to meet your needs and provide you with exceptional services. While consuming our services through various channels, such as forms, phone calls, correspondence, service point interfaces, and other available channels, we collect information that you provide to us.
This information may include, but is not limited to, contact data, log/Technical information, Financial Data, Marketing and Communications Data, identity verification details (this include Personally Identifiable Information (PII), otherwise known as Personal Information or Personal Data, which includes email address, phone number, contact address, limited financial information, location data, device data etc.) and documents, services consumed or desired, mode of consumption, preferences, location, general events, and instructions and transactions relating to the services.
In the process of using our services, our facial recognition and biometric fingerprint devices (such as ATMs, mobile applications etc.) and CCTV cameras, in operation may capture your personal / sensitive data. Before the deployment of new solutions for our operations, consideration would be made on the impact of emerging technology /software / project on our data subjects in our DPIA.
Legal basis for processing:
Additionally, to better serve your needs, we may utilize information about you collected from third parties and service partners. It is important to note that these third-party sources are not under the control of FCMB, and we are not responsible for how they use the information.
3.2 Usage and other information
In addition to the personal information described above, we may collect certain information about your use of our online services. For example, we may capture the IP address of the device you use to connect to the online service, the type of operating system and browser you use, and information about the site you came from, the parts of our online service you access, and the site you visit next. FCMB or our third-party partners may also use cookies, web beacons or other technologies to collect and store other information about your visit to, or use of, our online services. In addition, we may later associate the usage and other information we collect online with personal information about you.
3.3 FCMB Mobile
For the convenience of our FCMB customers, we provide access to our products and services through our mobile applications and mobile-optimized websites ("FCMB Mobile"). When you engage with us through FCMB Mobile, we may collect certain information to enhance your experience. This information may include unique device identifiers for your mobile device, screen resolution, device settings, location information, and analytical data regarding your mobile device usage. Please note that we may request your permission before collecting specific information, such as precise geo-location data, contact or image data, and other personally identifiable information through FCMB Mobile. Rest assured that any information collected is handled with the utmost care and in accordance with our privacy policy.
3.4 Additional sources of information
We may also collect information about you from additional online and offline sources including from co-branded partner sites or commercially available third-party sources, such as credit reporting agencies. We may combine this information with the personal and other information we have collected about you under this Privacy Policy.
3.5 Non-Personal Information
To achieve our goal of providing you with the best-in-class service, we may also collect, store, use, and transfer non-personal information or anonymized data such as statistical or demographic data. These may be collected or sourced during your visits to perform certain tasks such as grant you access to some parts of our website or conduct research on your behavior on our site to improve our services. We will not disclose your information to any person outside our organization except as described in this Privacy Policy.
4. How we use collected Information
FCMB may use or process the information discussed above in a number of ways, such as to:
We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations.
5. Data Privacy Impact Assessment
FCMB makes use of a privacy by design system and performs a periodic assessment of the risks to the rights and freedom of data subjects. This also includes the scope of processing activities, the purpose and proportionality of processing, as well as security mechanisms that guarantee personal data protection.
6. Customer Data Protection Rights
Our customers have data protection rights and are entitled to the following:
Customer requests based on any of the rights above shall be handled between 2 to 4 working weeks. Customers may contact us by email or writing:
Email us at: dataprotection@fcmb.com
Call us: 02012798800, 0700-3290000
7. The Use of Cookies and Similar Technologies
This website, along with most other major websites, uses cookies. Cookies are pieces of information that a website transfers to the cookie file on your computer’s hard disk. Cookies enable users to navigate around the website and (where appropriate) enable us to tailor the content to fit the needs of visitors who have accessed the site.
Firstcitygroup.com uses two types of cookies on this website:
Cookies cannot look into your computer and obtain information about you or your family or read any material kept on your hard drive and, unless you have logged onto an authenticated page, cookies cannot be used to identify who you are.
Cookies cannot be used by anyone else who has access to the computer to find out anything about you, other than the fact that someone using the computer has visited a certain website. Cookies do not in any way compromise the security of your computer.
Cookies will not be used to contact you for marketing purposes other than by means of advertisements offered within this website.
Cookies may be used to record details of pages relating to particular products and services that you have visited on this website. This is to provide fcmb.com with generic usage statistics to allow the company to improve this website and to provide you with information that may interest you.
The web browsers of most computers are initially set up to accept cookies. If you prefer, you can set your web browser to disable cookies or to inform you when a website is attempting to add a cookie. You can also delete cookies that have previously been added to your computer’s cookie file.
You can set your browser to disable persistent cookies and/or session cookies but if you disable session cookies, although you will be able to view this website’s unsecured pages, you may not be able to log onto any authenticated pages.
Please visit http://www.allaboutcookies.org/manage-cookies/ to discover how to disable and delete cookies.
8. Disclosures
8.1 Disclosures
We may divulge individual data to any individual performing review, lawful, operational, or different services for us. We will utilize data which does not identify the person for these exercises at whatever point achievable. Information divulged to vendors or contractors for operational purposes may not be re-disclosed to others by such a vendor or contractor. We may reveal individual data when needed to do as such by a court request or court order. We may divulge individual data as we esteem it proper to secure the safety of our customers or for an investigation identified with public safety or to report an activity that has all the earmarks of being disregarding the law. We may divulge individual data to ensure the security and dependability of this site and to take safety measures against accountability.
8.2 Disclosures to Third Parties
Data about you that is accessible to you by means of fcmb.com, including your personal data, can become subject to the legal systems and laws in force in the country where the data is held, received, or stored by you or us. Such data can become subject to disclosure pursuant to the laws of the country.
We may reveal your name and other personal data and other monetary data about you at the request of a regulatory agency or in connection with an examination of us as a bank. This information could be revealed to internal and external attorneys or auditors and to others whom we are required to make such revelations.
8.3. International Data Transfer
In some cases, we may transfer your data to third-party processors located outside of Nigeria. We will only transfer your data to countries that offer adequate safeguards for your personal data. When transferring data internationally, we rely on appropriate safeguards such as Standard Contractual Clauses approved by the Nigeria Data Protection Commission (NDPC).
9. Information Security and Retention
At FCMB, we are fully committed to protecting the information we collect. We maintain administrative, technical, and physical controls to actively safeguard the Personal Information we collect. These controls are designed to protect against loss, theft, unauthorized access, disclosure, copying, misuse, or modification.
Our security measures actively include secure servers, firewalls, data encryption, and restricted access granted only to employees for fulfilling their job responsibilities.
When using a password for any of your accounts, it is essential that you actively ensure its confidentiality and refrain from sharing it with anyone.
We actively conduct our business in accordance with these principles to ensure the confidentiality and protection of your Personal Information. While transmitting information online may not be entirely secure, we actively take all reasonable steps to ensure the security and protection of your Personal Information.
We will only retain personal information on our servers for as long as it is actively necessary while providing services to you. In the event you close your account, we actively store your information on our servers to comply with regulatory obligations and actively monitor, detect, and prevent fraud. Any retention of your Personal Data is solely for such length of time as may be required by law, regulation, and the internal policies of FCMB, her members and/or affiliates.
9.1 Data Protection on the Internet
At FCMB we utilize encryption innovation to ensure the transmission of data to or from you by means of fcmb.com. For security reasons and to protect the security of your information, access to fcmb.com is restricted to authorized users only. However, because information about you, your account data and other transactions can be accessed through a public network, the Internet, there can be no guarantee that your account information will remain secure, and you accept the risk that unauthorized persons may view such information. If you believe that an unauthorized person has accessed your information, please contact the Bank immediately.
10. Customer Consent
Please refer to end of this notice for providing your consent. Your consent to personal data collection and processing may be revoked by notifying us via our contact page. For users below the age of 18, the consent should be provided by the holder of parental responsibility of the child. Please note in case you choose to not provide us with the consent or withdraw the consent at any given point of time, we shall not be able to provision the services.
11. Changes to our Privacy Policy
From time to time, we may change, amend, or review this Privacy Policy from time to time to reflect new services or changes in our Privacy Policy and place any updates on this page. All changes made will be posted on this page and where changes will materially affect you, we will notify you of this change by placing a notice online or via mail. If you keep using our Services, you consent to all amendments of this Privacy Policy.
12. How to Contact us
For issues relating to personal data, please contact us via any of the below.
Corporate Address: Primrose Tower, 17A, Tinubu Street, Marina, Lagos
Telephone: 07003290000, 02012798800.
Email: dataprotection@fcmb.com
Whatsapp: (+234) 09099999814 or (+234) 09099999815
Responsibility
As a customer, you accept this Privacy Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our website and all related sites, applications, and services (collectively referred to as “FCMB Services”).
This Privacy Policy is intended to govern the use of FCMB Services by users (including, without limitation those who use these FCMB Services in the daily course of their trade, practice, or business) unless otherwise agreed through contract. Users reserve the right to exercise their data protection right as listed under the Customer Data Protection Rights.
© 2025 First City Monument Bank (Licensed by the Central Bank of Nigeria)