Cookies Policy

    Effective Date: 15/01/2015
    Last Updated: 28/08/2025

    Igbo-Ukwu Microfinance Bank Ltd (“the Bank”, “we”, “our”, or “us”) uses cookies and similar technologies to enhance your experience on our website, mobile applications, and online banking platforms. This Cookies Policy explains what cookies are, how we use them, and how you can manage your cookie preferences.

    1. What Are Cookies?

    Cookies are small text files placed on your device (computer, tablet, smartphone) when you visit a website or use an application. They help us recognize your device, remember your preferences, and improve functionality and performance.

    1. Types of Cookies We Use
    2. a) Strictly Necessary Cookies
    • Essential for the operation of our website and online banking services.
    • Enable secure login, transaction processing, and fraud prevention.
    • Cannot be disabled.
    1. b) Performance & Analytics Cookies
    • Collect anonymous information about how visitors use our website.
    • Help us monitor traffic, identify popular pages, and improve user experience.
    • Examples: Google Analytics, in-house analytics tools.
    1. c) Functional Cookies
    • Remember your preferences such as language, region, or display settings.
    • Enhance personalization and ease of use.
    1. d) Targeting & Marketing Cookies (where applicable)
    • Track browsing activity across websites to deliver relevant advertisements and promotional messages.
    • Only used with your explicit consent.
    1. e) Session & Persistent Cookies
    • Session Cookies: Temporary, deleted when you close your browser.
    • Persistent Cookies: Remain on your device for a set period or until deleted manually.
    1. Why We Use Cookies

    We use cookies to:

    • Enable secure access to your online banking account.
    • Improve the speed and performance of our website and apps.
    • Analyze trends and measure the effectiveness of content.
    • Personalize your experience and provide relevant financial services.
    • Ensure compliance with regulatory and security requirements.
    1. Third-Party Cookies

    We may allow trusted third-party service providers (such as analytics or advertising partners) to place cookies on your device. These third parties are responsible for their own cookies and are subject to their own privacy policies.

    1. Managing Your Cookie Preferences

    You can manage or disable cookies by:

    • Adjusting your browser settings to block or delete cookies.
    • Using the cookie consent banner on our website to set your preferences.
    • Opting out of third-party analytics or advertising cookies.

    Please note: If you disable cookies, some features of our website or online banking services may not function properly.

    1. Legal Basis for Using Cookies

    We use cookies based on:

    • Our legitimate interest in ensuring website security and functionality.
    • Your consent for analytics, functional, and marketing cookies.
    1. Updates to This Cookies Policy

    We may update this Cookies Policy periodically to reflect changes in technology, regulation, or our services. Any changes will be posted on this page with the “Last Updated” date.

    1. Contact Us

    If you have any questions about this Cookies Policy or how we use cookies, please contact:

    Nwokoye Emmanuel
    Igbo-Ukwu Microfinance Bank Ltd
    Ekwulobia-Nnobi Road, Nkwo Igbo-Ukwu
    emmanuelnwokoye@igbo-ukwumfb.com

    08080676536