Cookie Policy

Effective Date: 30th June 2025

1. Introduction

At Moniepoint Microfinance Bank Limited (“we” , “us” or “our”), we are committed to maintaining your trust and ensuring transparency in how we use cookies on our website. This Cookie Policy explains what cookies are, types of cookies we use, how and why we use them, and your options regarding their management.

2. What Are Cookies?

Cookies are small text files stored on your device (smartphone or PC) when you visit a website. These files contain information that helps enhance your browsing experience by remembering your preferences, enabling functionalities, and providing personalised services.

3. Types of Cookies We Use

We use both Session Cookies (which expire once you close your web browser) and Persistent Cookies (which stay on your device until you delete them or we delete them after a specific period, subject to our retention framework).

We have also grouped our cookies into the following categories, to make it easier for you to understand why we need them:

1. Necessary Cookies: These are essential for the website to function properly and cannot be disabled. Without these Cookies, the services that You have asked for cannot be provided, and we only use these Cookies to provide You with those services. Necessary Cookies are processed to enhance your use of the website and for our legitimate interests.
2. Performance and Analytics Cookies: These cookies are non-essential and are only processed with your consent. They help us analyse site performance and improve its functionality by allowing us to collect certain information about how you navigate our website and help us to understand which parts of our websites are interesting to you and which are not.
3. Advertising and Targeting Cookies: These cookies are also non-essential, only processed with your consent, and used to deliver relevant advertisements to you.

In addition to the above types, If you follow a link from our website to another website, please be aware that the owner of the other website will have their own privacy and cookie policies for their site. Please check the relevant third-party website for more information on their use of cookies. We would not be responsible for any incident that occurs as a result of your accessing third-party links via our website.

4. How and Why We Use Cookies

Cookies do not contain any information that personally identifies you; they simply hold a unique random reference to you so that once you visit the site we can recognize who you are and provide certain content to you. The cookies we use cannot read or search your computer or mobile device to obtain information about you, or read any material kept on your device.

We may use the information we obtain from your use of our cookies for the following purposes:

• the administration of our website (such as to ensure safe and secure access to our website);
• to remember your preferences and provide a seamless user experience;
• to improve the website’s usability;
• to provide you with tailored content and advertisements based on your preferences; and
• to collect data about website traffic and user behaviour for continuous improvement.
5. Third-party cookies

In some special cases we also use cookies provided by trusted third parties. The following section details which third party cookies you might encounter through this site.

This Site uses Google Analytics which is one of the most widespread and trusted analytics solutions on the web for helping us to understand how you use the Site and ways that we can improve your experience. The Site also uses Google Ads, which is an online advertising platform, which enables us to promote our products, services or brand by displaying ads on Google’s search engine, partner websites and Youtube. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content.

For more information on Google Analytics and Google Ad cookies, see the official Google Analytics and Google Ads pages.

We also use social media buttons and/or plugins such as Youtube on this site. For this to work, YouTube may set cookies through our site which may be used for their own analytics purposes, such as tracking number of views on our website.

6. Your Cookie Preferences

You have the option to manage your cookie preferences. Most web browsers allow you to control cookies through their settings. You can:

• Enable or disable cookies.
• Delete cookies stored on your device.
• Adjust browser settings to notify you before accepting cookies.

Please note that disabling certain cookies may impact your ability to fully experience all features of our website.

7. Complaints

For cookie-related enquiries and complaints, please contact our Data Protection Officer at [email protected]. You have a right to lodge a complaint directly with the Nigerian Data Protection Commission (NDPC), at [email protected].

8. Changes to This Policy

We may update this Cookie Policy periodically to reflect changes in our practices or applicable laws. Kindly review this Cookie Policy from time to time to ensure that you have up-to-date information.

The effective date at the top of this page indicates when this Cookie Policy was last revised.