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Cookie Policy

This policy explains how GMB Microfinance Bank uses cookies and similar technologies on our website and digital platforms.

Last Updated: June 2025 | Effective: June 2025

Cookies We Use

Strictly Necessary Cookies

Always Active

These cookies are essential for the website to function and cannot be switched off. They are set in response to actions you take such as logging in, filling forms, or setting privacy preferences. You can set your browser to block these cookies, but some parts of the site may not function correctly.

Cookie Name	Purpose	Expiry
session_id	Maintains your authenticated session	Session
csrf_token	Protects against cross-site request forgery attacks	Session
cookie_consent	Stores your cookie consent preferences	1 year

Performance & Analytics Cookies

Optional

These cookies allow us to count visits and measure traffic so we can improve site performance. They help us understand which pages are most popular and how visitors navigate our site. All data collected is aggregated and anonymous.

Cookie Name	Purpose	Expiry
_ga	Google Analytics – distinguishes unique users	2 years
_gid	Google Analytics – identifies session	24 hours
perf_metrics	Monitors page load times and error rates	30 days

Functional Cookies

Optional

These cookies enable enhanced functionality and personalisation. They may be set by us or by third-party providers whose services we use on our pages. If you disable these cookies, some or all of these services may not function properly.

Cookie Name	Purpose	Expiry
lang_pref	Remembers your language preference	1 year
branch_locator	Stores your last searched branch location	30 days
calc_values	Saves loan calculator inputs for your convenience	Session

Marketing & Targeting Cookies

Optional

These cookies may be set by our advertising partners to build a profile of your interests and show you relevant adverts on other sites. They do not directly store personal information but are based on uniquely identifying your browser and device.

Cookie Name	Purpose	Expiry
fbp	Facebook Pixel – tracks conversions from Facebook ads	3 months
ads_prefs	Stores your advertising preferences	6 months

1. What Are Cookies?

Cookies are small text files placed on your device (computer, smartphone, or tablet) when you visit a website. They are widely used to make websites work more efficiently, to remember your preferences, and to provide information to website owners. Cookies set by GMB MFB are called "first-party cookies." Cookies set by third parties (such as analytics or advertising providers) on our site are called "third-party cookies."

2. Why We Use Cookies

We use cookies and similar technologies (including web beacons and local storage) for the following purposes: - To keep you securely logged in to your account session - To protect against unauthorized access and fraudulent activity - To remember your preferences and settings - To understand how visitors use our website so we can improve it - To measure the effectiveness of our marketing campaigns - To provide relevant content and offers

3. Your Cookie Choices

Except for strictly necessary cookies, you can choose which categories of cookies to accept. You may: Manage preferences on our site: Use the cookie preferences panel accessible via the "Cookie Settings" link in our footer. Control via your browser: Most browsers allow you to refuse or delete cookies through their settings. Note that disabling cookies may affect the functionality of our website. Opt out of analytics: Visit Google Analytics Opt-out at tools.google.com/dlpage/gaoptout. Opt out of targeted advertising: Visit Your Online Choices (youronlinechoices.eu) or the Digital Advertising Alliance (aboutads.info). Please note that opting out of certain cookies does not mean you will no longer see advertising — you may still see generic (non-targeted) ads.

4. How Long Cookies Are Stored

Session cookies: Deleted automatically when you close your browser. They are used to maintain your session while you are actively using the site. Persistent cookies: Remain on your device for a set period (as listed in the cookie table above) or until you manually delete them. They are used to remember your preferences across visits.

5. Third-Party Cookies

We work with trusted third-party service providers who may set cookies on our behalf. These include: - Google Analytics (analytics.google.com) – website traffic analysis - Facebook/Meta Pixel – conversion tracking for social media campaigns These providers have their own privacy policies. We recommend reviewing them to understand how they process your data. GMB MFB does not have control over the cookies placed by third parties and cannot access their data.

6. Cookies and Nigerian Law

Under the Nigeria Data Protection Act 2023 (NDPA) and the Nigeria Data Protection Regulation 2019 (NDPR), non-essential cookies require your informed consent before being placed on your device. We obtain this consent through our cookie consent banner displayed on your first visit to our website. You may withdraw consent at any time by adjusting your cookie preferences.

7. Updates to This Policy

We may update this Cookie Policy periodically to reflect changes in technology, regulation, or our practices. The "Last Updated" date indicates the most recent revision. We will notify you of significant changes through a notice on our website.

8. Contact Us

For any questions about our use of cookies, please contact: Data Protection Officer GMB Microfinance Bank Limited Community Plaza, Eke Market Square, Nibo, Anambra State Email: privacy@gmbmfbank.com Phone: 08061299041

Manage Your Cookie Preferences

You can update your cookie preferences at any time. Your choices will be saved and respected across your visits.