
Last updated: 30/03/2026
This privacy policy describes our policies and procedures on the collection, use, and disclosure of your information when you use the service and tells you about your privacy rights and how the law protects you.
We use your personal data to provide and improve the service. By using the service, you agree to the collection and use of information in accordance with this privacy policy, including metadata, identifiers, and online identifiers where applicable.
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or plural.
For the purposes of this privacy policy:
Account means a unique account created for you to access our service or parts of our service.
Application means the software program provided by the company downloaded by you on any electronic device, named Grooming mobile app.
Company (referred to as either "the company", "we", "us" or "our" in this agreement) refers to Grooming Microfinance Bank (GroomingMFB).
Country refers to the country of operation, in this case, Nigeria.
Cookies are small files that are placed on your computer, mobile device or any other device by a website, containing the details of your browsing history on that website among its many uses.
Device means any device that can access the service such as a computer, a cell phone or a digital tablet.
Personal data is any information that relates to an identified or identifiable individual, including metadata, identifiers, and online identifiers where applicable.
Service refers to the website or application.
Service provider means any natural or legal person who processes the data on behalf of the company. It refers to third-party companies or individuals employed by the company to facilitate the service, to provide the service on behalf of the company, to perform services related to the service or to assist the company in analysing how the service is used.
Usage data refers to data collected automatically, either generated using the service or from the service infrastructure itself (for example, the duration of a page visit).
You means the individual accessing or using the service, or the company, or other legal entity on behalf of which such individual is accessing or using the service, as applicable.
While using our service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to:
While using our application, in order to provide features of our application, we may collect, with your prior permission, information regarding your location. We use this information to provide features of our service, to improve and customize our service. The information may be uploaded to the company's servers and/or a service provider's server or it may be simply stored on your device.
You can enable or disable access to this information at any time, through your device settings.
The company may use personal data for the following purposes (including metadata, identifiers, and online identifiers where applicable):
We may share your personal information in the following situations:
The company will retain your personal data only for as long as is necessary for the purposes set out in this privacy policy. We will retain and use your personal data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies, for no longer than necessary in accordance with applicable laws and retention policies.
The Bank will also retain usage data for internal analysis purposes. Usage data is generally retained for a shorter period, except when this data is used to strengthen the security or to improve the functionality of our service, or we are legally obligated to retain this data for longer time periods, for no longer than necessary in accordance with applicable laws and retention policies, including encryption, access controls, and regular audits.
Your information, including personal data, is processed at the company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those in your jurisdiction.
Your consent to this privacy policy followed by your submission of such information represents your agreement to that transfer.
The Bank will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy and no transfer of your personal data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information, including encryption, access controls, and regular audits.
If the company is involved in a merger, acquisition or asset sale, your personal data may be transferred. We will provide notice before your personal data is transferred and becomes subject to a different privacy policy.
Under certain circumstances, the company may be required to disclose your personal data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
The company may disclose your personal data in the good faith belief that such action is necessary to:
The security of your personal data is important to us but remember that no method of transmission over the internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute security.
The service providers we use may have access to your personal data. These third-party vendors collect, store, use, process and transfer information about your activity on our service in accordance with their privacy policies.
We may use third-party service providers to monitor and analyse the use of our service.
We may use your personal data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt-out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send or by contacting us.
Our service does not address anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us. If we become aware that we have collected personal data from anyone under the age of 18 without verification of parental consent, we take steps to remove that information from our servers.
If we need to rely on consent as a legal basis for processing your information and your country requires consent from a parent, we may require your parent's consent before we collect and use that information.
Our service may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the privacy policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.
We may update our privacy policy from time to time. We will notify you of any changes by posting the new privacy policy on this page.
We will let you know via email and/or a prominent notice on our service, prior to the change becoming effective and update the "last updated" date at the top of this privacy policy.
You are advised to review this privacy policy periodically for any changes. Changes to this privacy policy are effective when they are posted on this page.
If you have any questions about this privacy policy, you can contact us:
Grooming Microfinance offers simple, secure and convenient Banking for SME business owners and individuals looking for the best banking experience available.


Grooming Microfinance Bank, a leading Microfinance institution in Nigeria, has been providing inclusive financial services to individuals, SMEs, and communities with a commitment to value-driven and customer-centric solutions. Licensed by the Central Bank of Nigeria (CBN) to operate as a state Microfinance Bank in Oyo State, the Bank leverages technology and best practices to deliver simple, secure, and convenient banking experiences. With a mission of making financial services accessible to all, Grooming Microfinance Bank continues to champion inclusive finance, empowering businesses and individuals while maintaining its vision of becoming a globally recognized Microfinance institution that transforms lives through innovative financial solutions.
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160 Ojoo-UI Road, Olororo, Bus- Stop, Ojoo, Ibadan


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© 2026 — Copyright Grooming Microfinance Bank