Website Privacy Policy
Introduction
At Fidelity Bank Plc (“Fidelity” or “the Bank”), we are committed to safeguarding your privacy and ensuring the confidentiality and security of your personal information. This Privacy Policy outlines how we collect, use, protect, and share your personal data in compliance with applicable data protection laws, including the Nigeria Data Protection Act (NDPA) 2023 and the Nigeria Data Protection Regulation (NDPR) 2019.
By using our website (www.fidelitybank.ng) and other customer touchpoints, you consent to the practices described in this policy.
Our Guiding Principles for Data Processing
In line with Section 24 of the NDPA, Fidelity ensures that personal data is:
- Processed fairly, lawfully, and transparently.
- Collected for specific, lawful purposes and not further processed in an incompatible manner.
- Adequate, relevant, and limited to what is necessary.
- Accurate and updated as necessary, with provisions for rectification or deletion of inaccurate data.
- Retained only as long as necessary for the intended purpose.
- Processed in accordance with the data subject’s rights.
- Protected against unauthorized access, loss, damage, or destruction using appropriate technical and organizational measures.
Use of Personal Data
The collection and processing of personal data are essential to providing banking services and ensuring seamless transactions. The personal data we would collect and process, depending on the particular processing requirement, are under the following categories:
| Data Type | Description of Data |
|---|---|
|
Identity Data |
Full Name, maiden name, marital status, title, biometric information, national identification number (NIN), passport details, driver’s license details, date of birth, gender, address, biometric, face ID, employment history and citizenship. |
|
Contact Data |
Contact Data Address, Email Address and Telephone Numbers Information received during contact with face-to-face meetings, phone calls, emails, letters and SMS |
|
Financial Data |
Bank account information and bank statements, Bank verification Number (BVN), income and outgoings, financial position, status, and credit history, debit or credit card information and account number. |
|
Transaction Data |
Information regarding the products and services a data subject may have benefited from by using Fidelity Bank Plc and any of its subsidiaries, transactional information in respect of products purchased. Location data of transactions where a data subject may have used their debit card. |
|
Technical Data |
Internet protocol (IP) address, login data, details of browser and operating system, time zone setting and location, browser plug-in types and versions, platforms and other technology such as device id, geolocation, IP, model and user agent on the devices used to access Fidelity Bank’s website. |
|
Profile Data |
Includes username and password. |
|
Job Application Data |
Data submitted throughout the recruitment process for instance name, email address. Any personal information provided to Fidelity Bank Plc as part of the recruitment process. |
|
Usage Data |
includes information about how data subject uses our website, products and services |
|
Marketing and Communications Data |
Information about data subject communications with Fidelity Bank. Preferences in receiving marketing e-mails and consents given by data subject to Fidelity Bank. |
|
Others |
CCTV/Video footage whenever you come into our premises or use our ATMs and telephone conversations via calls made through any of our contact centre lines |
Fidelity collects personal data for the following purposes:
- Delivering banking products and services tailored to your needs.
- Fulfilling contractual obligations.
- Enhancing customer service experiences.
- Conducting business operations and maintaining customer relationships.
- Complying with legal and regulatory requirements.
- Providing information to credit agencies.
- Updating customer records and generating necessary statistics.
- Communicating with customers when necessary.
Fidelity will only collect and use personal data for these stated purposes.
Legal Grounds for Processing Personal Data
Before processing personal data, Fidelity identifies and documents the purpose and legal basis, which may include:
- Consent from the data subject.
- Performance of a contract where the data subject is a party.
- Compliance with legal obligations.
- Protection of the data subject’s vital interests, including rights and freedoms.
- Processing in the public interest or under official authority.
- Legitimate interests pursued by Fidelity or a third party
Consent
By voluntarily providing your personal information to access any of our products—whether online or at a banking outlet—you consent to its processing. Consent may also be obtained through signed forms or documents.
Security of Personal Data
Fidelity Bank employs advanced technologies and organizational controls to secure your personal data. Our security measures include:
- Strict security controls to avert security incidents.
- Regular updates to security policies and processes to meet industry standards.
- Training and awareness for our data subjects
Customer Responsibility:
If you have authentication and authorization details granting access to specific sections of our platforms, it’s your responsibility to keep them safe and should not be shared with others.
Sharing of Personal Data
Fidelity may share personal data with third parties such as:
- Service providers and technical partners.
- External auditors, credit agencies, and correspondent banks.
- Regulatory authorities and law Enforcement Agencies, as required by law.
Where necessary, we establish data-sharing or data-processing agreements to ensure additional protection of shared information.
Automated Processing
Fidelity does not engage in automated decision-making without human intervention, except as required by law or permitted by the Nigerian Data Protection Commission (NDPC).
Use of Cookies
Fidelity website also use cookies provided by trusted third parties, such as Google Analytics, to help us understand and improve users experience on the website.
The Bank may use the information obtained from use of our cookies to:
- Recognize a computer when a user visits the Bank’s website.
- Track whoever navigates the website.
- Improve the website’s usability in real time.
- Analyze the use of its website - such as how many people visit it each day.
- Manage the website.
Users can disable cookies and prevent the setting of cookies by adjusting the settings on their browser. However, this is not recommended, as disabling cookies may also disable certain functionality and features of the site.
Data Retention
We retain your data only as long as necessary to:
- Fulfill legal, regulatory, or operational requirements.
- Address disputes, claims, or customer inquiries.
- Meet business and audit requirements.
Once data is no longer required, it is securely destroyed.
Children’s Privacy
Fidelity offers accounts for minors under parental or guardian supervision:
- Sweeta Account (operated by a guardian until the child reaches maturity).
- Fidelity Flex Account (for students with valid identification).
Apart from these, Fidelity does not knowingly collect or process personal data from individuals under 18.
Storage of Personal Data
Your personal data is securely stored on the Bank’s storage locations, and globally recognized cloud infrastructure to ensure seamless service delivery. If data is transferred outside Nigeria, necessary measures are taken to protect your data, ensure compliance with this policy and data protection laws.
Your Privacy Rights
As a data subject, you have the right to:
- Request access to your personal data.
- Request correction or deletion of inaccurate data.
- Restrict or object to the processing of your data.
- Request data portability, where applicable.
To exercise these rights, send an email to [email protected].
If you believe your rights have been violated, you can file a complaint with the Nigeria Data Protection Commission (NDPC) at [email protected], it can also be addressed to DataProtection&[email protected]
You may withdraw your consent for data processing at any time, though prior lawful processing remains unaffected.
Transfer of Personal Data to Foreign Countries
When transferring personal data outside Nigeria, Fidelity ensures compliance with the NDPA. Transfers occur only when:
- The data subject has consented.
- It is necessary for contract performance or public interest.
- It is required to protect legal claims or vital interests.
If a country is not on the National Information Technology Development Agency’s (NITDA) Whitelist, Fidelity seeks NDPC approval before proceeding.
Accuracy of Personal Data
Customers are responsible for maintaining accurate information. Updates can be made through Fidelity’s branch network or customer service channels.
Third-Party Websites and Services
Fidelity’s platforms may contain links to third-party websites or services. Fidelity is not responsible for their privacy practices and encourages users to review their policies separately.
Opting Out of Promotional Communications
You may opt out of receiving marketing communications from Fidelity at any time by:
- Clicking the "unsubscribe" link in promotional emails.
- Contacting [email protected].
Data Subject Access Request (DSAR)
Fidelity provides a Data Subject Access Request (DSAR) Form to help individuals exercise their rights. To request access to your data, complete the DSAR form here and send it to DataProtection&[email protected].
Changes to This Privacy Policy
This policy may be updated periodically. Revisions will be posted on our website and take immediate effect. Customers are encouraged to read it regularly for updates.
Contact Information
For questions, complaints, or data protection inquiries, contact:
Fidelity Bank Plc
2 Kofo Abayomi Street, Victoria Island, Lagos, Nigeria
Phone: 070034335489
Email: [email protected]
For Data Protection Inquiries:
Data Protection Officer
Fidelity Bank Plc
2 Kofo Abayomi Street, Victoria Island, Lagos, Nigeria
Email: DataProtection&[email protected]
