Privacy Policy

Your privacy matters to us. This page explains how UNAFF collects, uses, and protects your personal information.

  1. INTRODUCTION

UNA FAMILIA FINANCE PLC (UNAFF) is committed to protecting the privacy, dignity, and financial information of all customers and stakeholders.

As a licensed Category II Microfinance Institution operating under:

Registration No.: 000846 MINFI / 000816 MINFI

COBAC Authorization No.: D-2020/124

UNAFF ensures that all personal and financial data entrusted to us is handled responsibly and securely.

This Privacy Policy explains how we collect, use, store, and protect your information when you interact with:

  • Our branches
  • Our website
  • Our internet banking platform
  • Our mobile services
  1. INFORMATION WE COLLECT

We may collect the following categories of information:

Personal Identification Information

  • Full name
  • Date of birth
  • National ID / Passport details
  • Parent/Guardian information (for minors)

Contact Information

  • Address
  • Phone number
  • Email address
  • Localization plan
  • Utility bill (where required)

 Financial Information

  • Account details
  • Deposit balances
  • Loan information
  • Salary details (for salary accounts)
  • Transaction history

 Corporate & Group Information

For businesses, NGOs, associations, and institutions:

  • Registration documents
  • Board resolutions
  • Authorized signatories
  • Business licenses

Digital Usage Data

When using our online platforms:

  • Login times
  • Device information
  • IP address
  • Browser type

This helps us maintain security and improve services.

  1. WHY WE COLLECT YOUR DATA

Your data is collected to enable us to:

  • Open and manage accounts
  • Process deposits and withdrawals
  • Provide loans and financial services
  • Verify identity (KYC compliance)
  • Prevent fraud
  • Meet legal and regulatory obligations
  • Deliver internet and mobile banking services
  1. HOW YOUR DATA IS USED

Your information may be used for:

  • Account administration
  • Loan assessment
  • Risk management
  • Customer support
  • Regulatory reporting
  • Improving our products and services

We do not sell customer data.

  1. INFORMATION SHARING

We may share information only when necessary, with:

  • Financial regulators
  • Legal authorities
  • Banking partners (e.g., cheque clearing)
  • Technology providers supporting our digital platforms

All third parties are bound by confidentiality obligations.

  1. DATA SECURITY

UNAFF applies strict safeguards including:

  • Controlled staff access
  • Secure systems
  • Monitoring of transactions
  • Internal audit processes

These measures help prevent unauthorized access and misuse.

  1. CUSTOMER RIGHTS

You may:

  • Request correction of inaccurate data
  • Update your information
  • Seek clarification on how your data is used

Requests can be made through any UNAFF branch.

  1. DATA RETENTION

We retain customer data:

  • While accounts remain active
  • As required by financial regulations
  • For audit and compliance purposes
  1. ONLINE BANKING PRIVACY

Users of our digital platforms are responsible for safeguarding their login credentials.

UNAFF is not liable for unauthorized access resulting from shared passwords.

  1. WEBSITE COOKIES

Our website may use cookies to improve user experience.

Cookies do **not store financial data**.

  1. POLICY UPDATES

This Privacy Policy may be updated periodically to reflect:

  • Regulatory changes
  • Technology improvements
  • Operational needs
  1. CONTACT

For any privacy concerns:

UNA FAMILIA FINANCE PLC

Head Office: Mamfe

Email: unaff2019@yahoo.com

  1. OUR COMMITMENT

Protecting your information is part of our core values:

  • Integrity
  • Confidentiality
  • Respect
  • Commitment