1           Privacy

1.1.1          Data Protection and Privacy Statement

This privacy statement sets out the privacy policy of fcmbgroupplc.com, which provides a portal, or gateway, to the financial services offered by the First City Monument Bank Limited. ('the Bank'/'FCMB') and the other members of the FCMB Group Plc. 

First City Monument Bank Limited is a private limited liability company registered in the Federal Republic of Nigeria under RC: No. 46713. Its head-office is at Primrose Tower, 17A Tinubu Street, Lagos State, Nigeria.

FCMB Group Plc hosts the fcmbgroupplc.com website and provides technical support, access and links to the Local Sites of First City Group members. fcmbgropuplc.com, does not offer financial services or products. Financial services and products may only be obtained by registering with a Local Site. For more information on how to use this website, please see the Terms and Conditions of Use.

The First City Group provides financial products and services through its affiliated companies and branches located in 36 states and the Federal Capital Territory in Nigeria, and the UK. Privacy and personal data protection principles vary from one country to another. When you access or link to a Local Site, please read the privacy statement issued by the Local Site to determine the policies that apply to information or data maintained by the Local Site.

1.1.2     Cookies

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:

1. Session cookies, which are temporary cookies that remain in the cookie file of your computer until you close your browser (at which point they are deleted).
2. Persistent or stored cookies that remain permanently on the cookie file of your computer.

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.

1.1.3     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. Data 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 wellbeing of our customers or for an investigation identified with open security or to report an action that has all the earmarks of being disregarding law. We may divulge individual data to ensure the security and dependability of this site and to take safety measures against accountability.

1.1.4     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 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.

1.1.5     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.