Privacy Policy

Hills Harvest Microfinance Bank
Effective Date: March 12th, 2025

Welcome to Hills Harvest Microfinance Bank (HHMFB)! Your privacy is important to us. This Privacy Policy explains how we collect, use, protect, and share your personal information when you use our banking services, website, and mobile application.

1. Information We Collect

We collect the following types of information to provide and improve our services:

Personal Information: Name, date of birth, email address, phone number, residential address, BVN, employment details, and next of kin information.
Financial Information: Bank account details, transaction history, loan applications, credit history, and income details.
Device & Usage Data: IP address, browser type, device information, and user activity on the platform.
Identification Documents: Government-issued ID (e.g., NIN, passport, driver’s license) for KYC (Know Your Customer) verification.

2. How We Use Your Information

We use your data to:

Process loan applications, savings, and other banking transactions.
Verify customer identity and comply with regulatory requirements.
Enhance platform security and prevent fraud.
Improve banking services and customer support.
Communicate important updates, promotions, and policy changes.
Comply with legal and regulatory obligations.

3. Data Sharing & Third-Party Services

We only share your information under the following conditions:

With Regulatory Bodies – In compliance with the Central Bank of Nigeria (CBN) regulations and anti-money laundering laws.
With Service Providers – To enhance banking operations (e.g., payment processors, credit bureaus, fraud detection services).
For Legal Compliance – If required by law, regulation, or court order.
With Your Consent – If you request third-party integrations (e.g., linking external bank accounts).

4. How We Protect Your Data

Encryption & Security Measures – Data is securely stored using encryption and access control mechanisms.
Fraud Prevention – Suspicious activity monitoring to prevent unauthorized transactions.
Data Retention Policy – Information is stored only as long as necessary for banking operations or as required by law.

5. Your Privacy Choices

Account Management – You may update or delete your account information in the banking app settings.
Marketing Preferences – Opt-out of promotional emails and SMS notifications.
Withdrawal of Consent – Request deletion of personal data by contacting info@hhmfb.com.

6. Cookies & Tracking Technologies

We use cookies to improve your online experience, analyze site traffic, and personalize banking services. You can manage cookie preferences in your browser settings.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Significant changes will be communicated via email or app notifications. Continued use of HHMFB after updates means acceptance of the revised terms.

8. Contact Us

Email: info@hhmfb.com
Website: www.hhmfb.com

Terms & Conditions
Hills Harvest Microfinance Bank
Effective Date: March 12th, 2025

Welcome to Hills Harvest Microfinance Bank (HHMFB). By accessing or using our banking services, you agree to be bound by these Terms and Conditions. If you do not agree, please refrain from using our services.

1. Definitions

“HHMFB” refers to Hills Harvest Microfinance Bank, including its website, mobile app, and financial services.
“Customer” refers to individuals or businesses holding accounts or using financial services.
“Account” refers to any savings, current, loan, or investment account held with HHMFB.

2. Eligibility

Customers must be at least 18 years old to open an account.
By using HHMFB, you confirm that all information provided is accurate and truthful.
HHMFB reserves the right to suspend accounts found in violation of these Terms.

3. Account Usage & Responsibilities

Customers must keep their account credentials confidential.
Any fraudulent or unauthorized transactions must be reported immediately.
HHMFB reserves the right to close accounts involved in fraudulent activities.

4. Prohibited Activities

Customers must NOT:

Engage in fraudulent banking activities.
Use HHMFB accounts for money laundering, terrorist financing, or illegal transactions.
Provide false documentation or misrepresent financial information.
Attempt unauthorized access to HHMFB’s systems.

5. Deposits, Withdrawals & Loans

Deposits are insured under applicable financial regulations.
Withdrawals are subject to banking hours and transaction limits.
Loan approvals are subject to creditworthiness, repayment history, and risk assessment.
Late loan repayments may attract penalties and impact credit scores.

6. Fees & Charges

Certain banking transactions (e.g., interbank transfers, loan processing) may attract fees.
All applicable fees are transparently stated in the bank’s pricing schedule.

7. Privacy & Data Protection

Our Privacy Policy outlines how we collect, use, and protect your data.
HHMFB does not sell customer data to third parties.

8. Intellectual Property

HHMFB’s trademarks, content, and software are owned by or licensed to us.
Customers may not copy, modify, or distribute HHMFB’s content without permission.

9. Limitation of Liability

HHMFB is not liable for losses resulting from unauthorized transactions due to customer negligence.
The bank is not responsible for third-party service failures (e.g., payment processing issues).

10. Account Suspension & Termination

HHMFB may suspend or terminate accounts involved in suspicious or illegal activities.
Customers may close their accounts at any time by notifying HHMFB.

11. Governing Law & Dispute Resolution

These Terms are governed by the laws of Nigeria.
Disputes will be resolved through negotiation, mediation, or arbitration before legal action.

12. Amendments to Terms

HHMFB reserves the right to update these Terms at any time.
Continued use of HHMFB after updates means acceptance of the revised Terms.

13. Contact Information