Cookie Policy

1. Introduction

This Cookie Policy explains how Signature Africa Digital Bank ("we," "our," or "us") uses cookies and similar technologies when you visit our website, use our mobile application, or interact with our digital banking services. This policy should be read alongside our Privacy Policy and Terms of Service to understand how we collect, use, and protect your information.

2. What Are Cookies?

Cookies are small text files that are stored on your device (computer, tablet, or mobile phone) when you visit a website or use an application. They help websites remember information about your visit, such as your preferred language, login status, and other settings that can make your next visit easier and the site more useful to you.

Types of Technologies We Use:

• Cookies: Small text files stored on your device
• Local Storage: Data stored locally on your device for enhanced functionality
• Session Storage: Temporary data stored during your browsing session
• Web Beacons: Small graphics used to track user interactions
• Device Fingerprinting: Techniques to identify devices for security purposes

3. Types of Cookies We Use

3.1 Essential Cookies

These cookies are necessary for our website and mobile app to function properly. They enable core functionality such as security, network management, and accessibility. You cannot opt-out of these cookies.

• Authentication and login management
• Security and fraud prevention
• Load balancing and system performance
• Session management
• Accessibility features

3.2 Performance Cookies

These cookies collect information about how you use our website and mobile app, helping us improve performance and user experience.

• Page load times and performance metrics
• Error tracking and debugging
• Usage analytics and statistics
• Feature usage patterns
• System optimization data

3.3 Functional Cookies

These cookies enable enhanced functionality and personalization, remembering your preferences and settings.

• Language and region preferences
• Display settings and themes
• Saved form data and preferences
• Customized dashboard layouts
• Notification preferences

3.4 Security Cookies

These cookies help protect your account and detect fraudulent activity.

• Device recognition and verification
• Fraud detection and prevention
• Suspicious activity monitoring
• Multi-factor authentication support
• Account security alerts

4. Third-Party Cookies

We may use third-party services that set their own cookies. These services help us provide better banking services and security.

Third-Party Services Include:

• Analytics Providers: Google Analytics for website performance analysis
• Security Services: Fraud detection and prevention tools
• Customer Support: Live chat and support ticket systems
• Payment Processors: Secure payment gateway services
• Content Delivery Networks: Fast and secure content delivery

5. How We Use Cookies

5.1 Banking Services

• Maintain your login session securely
• Remember your account preferences
• Provide personalized banking experience
• Enable quick access to frequently used features
• Support multi-device banking access

5.2 Security and Fraud Prevention

• Detect and prevent unauthorized access
• Monitor for suspicious activities
• Verify device authenticity
• Implement risk-based authentication
• Protect against cyber threats

5.3 Service Improvement

• Analyze user behavior and preferences
• Optimize website and app performance
• Develop new features and services
• Improve customer support processes
• Enhance overall user experience

6. Cookie Duration

6.1 Session Cookies

These cookies are temporary and are deleted when you close your browser or log out of your account. They are essential for maintaining your banking session security.

6.2 Persistent Cookies

These cookies remain on your device for a specified period or until you delete them. They help us remember your preferences and provide a better experience on return visits.

7. Managing Your Cookie Preferences

7.1 Browser Settings

Most web browsers allow you to control cookies through their settings. You can:

• View and delete existing cookies
• Block all cookies or specific types
• Set preferences for future cookies
• Receive notifications when cookies are set

7.2 Mobile App Settings

In our mobile app, you can manage certain preferences through:

• App settings menu
• Privacy and security options
• Notification preferences
• Data usage controls

7.3 Important Notice

8. Data Protection and Privacy

Cookie data is treated with the same level of protection as other personal information. We implement appropriate technical and organizational measures to protect cookie data from unauthorized access, alteration, disclosure, or destruction.

Security Measures Include:

• Encryption of sensitive cookie data
• Secure transmission protocols (HTTPS)
• Regular security audits and updates
• Access controls and authentication
• Data minimization principles

9. International Transfers

Some of our third-party service providers may be located outside Nigeria. When cookie data is transferred internationally, we ensure appropriate safeguards are in place, including data transfer agreements and adequacy decisions, in compliance with Nigerian data protection laws.

10. Updates to This Policy

We may update this Cookie Policy periodically to reflect changes in our practices, technology, or legal requirements. We will notify you of significant changes through our website, mobile app, or email. The "Last Updated" date at the top of this policy indicates when it was last revised.

11. Contact Information