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The bank prioritises your privacy and uses your personal information solely to improve your banking experience. Refer to our privacy policy.
RMB Nigeria Cookie Notice
1. Introduction
Data Protection and Privacy is important to RMB Nigeria and this cookie notice applies to its website. This cookie notice is available on the website for RMB Nigeria.
Please refer to RMB Nigeria’s privacy notice for the manner in which RMB Nigeria uses personal information. RMB Nigeria’s privacy notice is available at https://www.rmb.com.ng/files/pdf/other/rmb-nigeria-private-policy.pdf
What is a cookie?
A cookie is a small piece of data that is sent (usually in the form of a text file) from a website to the user’s device, such as a computer, smartphone or tablet. The purpose of a cookie is to provide a reliable mechanism to “remember” user behaviour and/or stateful information (i.e. information which enables the site to keep track of previous actions), e.g. remembering the contents of an online shopping cart, and actions the user performed whilst browsing when not signed up or logged into their online account.
RMB Nigeria does not necessarily know the identity of the user of the device but does see the behaviour recorded on the device. Multiple users of the same device would not necessarily be distinguishable from one another. Cookies could, however, be used to identify the device and, if the device is linked to a specific user, the user could also be identifiable. For example, cookies collected from a device registered to any app of RMB Nigeria will be linked to the user.
2. Which cookies can be found on RMB Nigeria's website?
First- and third-party cookies refer to the website or domain using the cookie. Cookies are set by the website that the user is visiting.
First-party cookies are directly stored by the website (or domain) visited by a user. These cookies allow website owners to collect analytics, data, remember language settings or perform other useful functions that provide a good user experience.
Third-party cookies are also set by the website visited but are sent when the user visits the third-party site. Third-party cookies are created by domains separate/different from the website (or domain) that the user is visiting. These cookies are usually used for online advertising, cross-site tracking; and are accessible on any website that loads the third party’s server code, e.g. when a user visits a site and clicks a “like” button, this could be stored in a cookie and, upon visiting the third-party site, the cookie will be used to action the request.
Another example is when a user browses online for a specific product, finds an advert of interest, clicks the advert and thereafter closes their browser. Several hours later, the user notices advertising of the same product that they were browsing for earlier.
When a user visits RMB Nigeria’s website, RMB Nigeria may include any of the cookies listed in the table below. The table explains what the cookies are used for and the time period for which the cookie could remain valid.
Where cookies are only valid for a single session, the cookie will be erased when the user closes their browser. Where cookies persist, the cookie will be stored by the user’s browser until deleted by the user.
Types of cookies are outlined in the table below.
| Origin | Use | Service | Duration |
|---|---|---|---|
| First-party cookies | Browser/device identification |
Enable RMB Nigeria to identify the device/browser. | Persist beyond a single session. |
| Authentication | Upon logging into a web server, a cookie will be returned that identifies the user has been successfully logged in. | Only valid for the single session. | |
| First- and third-party cookies | Analytics | To collect information about how visitors, use RMB Nigeria’s websites. This can provide RMB Nigeria with insight on website performance and metrics. | Persist beyond a single session. |
| Third-party cookies | Advertising and Marketing | Used for online advertising and marketing purposes. | Persist beyond a single session. |
Other terms relevant to cookies usage are outlined in the following table.
| Option | Description |
|---|---|
| HTTPONLY | Makes the cookie secure by ensuring the cookie is only sent over HTTP protocol. HTTP here only refers to the protocol and communicates clear text as http or https over an encrypted channel. This prevents attackers from secretly extracting it. |
| Same-site cookie | Makes the cookie secure by limiting the sites to which the cookie is allowed to be sent. |
| Expiry | Sets the duration a cookie will last for before it expires. |
| Secure | Makes a cookie secure by ensuring it is only sent over a securely encrypted channel. |
| Path | Helps to protect a cookie by restricting the location where it is allowed to be sent. |
3. When will RMB Nigeria use cookies?
RMB Nigeria will only process cookies which identify users for lawful purposes:
- if a user has consented thereto;
- if the law requires or permits it.
RMB Nigeria may use cookies for reasons including but not limited to:
- fraud, financial crime and other crime prevention, detection or reporting;
- managing and improving security for RMB Nigeria and users (for example to prevent fraudulent use of login details);
- various analytical reasons, e.g. how RMB Nigeria’s websites are used so that improvements can be made, such as when users click on an advert for a specific product, the number of users interested in such product can be noted;
- marketing and advertising, for example to decide which solutions (goods, products, services or rewards) users may be interested in and to customise marketing on various applications and websites, such as when a user clicks on a product on RMB Nigeria’s website and such a user interacts with RMB Nigeria’s page, RMB Nigeria will be able to identify that the user is interested in that product and the user will therefore be shown more related products; and/or
- recognition of users of RMB Nigeria’s websites, or devices which return to RMB Nigeria’s websites.
4. What happens if a user does not want cookies?
All browsers allow users to refuse to accept cookies and to remove current cookies. The methods for doing so vary between different browsers and versions. Users can block cookies on RMB Nigeria’s websites, if desired. Blocking certain cookies may have a negative impact upon the usability of RMB Nigeria’s websites. For example,
RMB Nigeria requires cookies to allow users to log in. By removing first-party cookies, a user’s experience may be affected as they may be prevented from logging into the online platform.
5. How can cookies be managed
For the sake of convenience on certain sites, a user may self-manage certain cookie preferences (permissions on how RMB Nigeria may use cookies) which means users have the choice to disable first- and third-party cookie collection.
Should the option be available, users can locate cookie preferences under the legal section of the relevant site.
6. Further Information about cookies
- Users’ browsers store cookies and RMB Nigeria’s websites cannot access any data on a user’s device.
- As cookies are stored in text files, they cannot be used to distribute viruses to a device.
- On a single device with multiple users the experience of RMB Nigeria’s websites would be customised based on the behaviour of all users using the device and not just an individual user.
- If users disable cookies, previous cookies collected will not be deleted, however, this will prevent the creation of new cookies. Expired cookies will be removed automatically.
- A user may delete historically collected cookies via the browser.