Data Privacy Policy

Data Privacy Policy


Delta Trust Mortgage Bank Data Privacy Policy


1. Introduction

Delta Trust Mortgage Bank (“the Bank”), licensed by the Central Bank of Nigeria (CBN), values your privacy and is committed to protecting the personal data of customers, employees, partners, and other stakeholders. This policy outlines how the Bank collects, uses, stores, shares, and safeguards personal information in compliance with the Nigeria Data Protection Regulation (NDPR 2019), CBN regulations, and applicable data protection laws.


2. Scope

This policy applies to:

  • All customers of the Bank.
  • Employees, contractors, and third parties who process data on behalf of the Bank.
  • All branches, digital platforms, and service channels of Delta Trust Mortgage Bank.


3. Data We Collect

We may collect and process the following categories of personal information:

  • Identity Data: Name, date of birth, gender, identification documents (BVN, NIN, international passport, driver’s license, voter’s card).
  • Contact Data: Address, email, phone numbers.
  • Financial Data: Bank account details, transaction history, loan and mortgage records, credit reports.
  • Employment Data: Occupation, employer details, income records.
  • Digital Data: IP address, device information, cookies, online interactions with our platforms.


4. Purpose of Data Processing

Your data is processed for legitimate purposes including:

  • Account opening, loan processing, and mortgage services.
  • Compliance with CBN, NDIC, EFCC, and other regulatory requirements.
  • Customer verification (KYC) and fraud prevention.
  • Communication regarding products, services, and updates.
  • Risk management and internal reporting.
  • Improvement of digital platforms and customer experience.


5. Legal Basis for Processing

The Bank processes personal data based on one or more of the following:

  • Consent from the data subject.
  • Performance of a contract with the customer.
  • Compliance with legal and regulatory obligations.
  • Legitimate interest of the Bank (such as fraud prevention).


6. Data Sharing & Disclosure

We may share your personal data with:

  • Regulators such as CBN, NDIC, EFCC, NFIU.
  • Licensed credit bureaus and financial institutions.
  • Technology and service providers engaged by the Bank.
  • Law enforcement agencies when required by law.

We do not sell customer data to third parties.


7. Data Retention

Personal data will be retained only for as long as is necessary to fulfill the purpose for which it was collected or as required by applicable laws and CBN regulations.


8. Data Security

Delta Trust Mortgage Bank implements appropriate technical and organizational measures including:

  • Encryption of digital communications.
  • Secure access controls and authentication.
  • Regular system monitoring and penetration testing.
  • Employee training on data privacy and cybersecurity.


9. Data Subject Rights

Under NDPR, customers have the following rights:

  • Right to access your personal data.
  • Right to request rectification or deletion of your data.
  • Right to withdraw consent for processing.
  • Right to object to direct marketing.
  • Right to lodge a complaint with the National Information Technology Development Agency (NITDA).

Requests can be submitted via:

privacy@deltatrustmb.com


10. Cross-Border Data Transfer

If data must be transferred outside Nigeria, the Bank will ensure adequate safeguards are in place in compliance with NDPR and applicable international data protection laws.


11. Updates to This Policy

This policy may be updated periodically to reflect regulatory changes or improvements in our privacy practices. Updated versions will be published on our website and communicated to stakeholders.


12. Contact Information

For inquiries or complaints about this policy, please contact:

Data Protection Officer (DPO)

Delta Trust Mortgage Bank

📧 privacy@deltatrustmb.com

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