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added Terms and Condition Page

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2024-03-18 17:23:04 +01:00
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src/components/TsAndCs/Main.tsx
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import React from "react";
const Main = () => {
return (
<div className="w-full my-3">
<div className="containerMode">
<p className="mb-[15px]">
<strong>PRIVACY POLICY</strong>
</p>
<p className="mb-[15px]">
<strong>
<span>1.Your Privacy is important to us.</span>
</strong>
</p>
<p className="mb-[15px]">
This privacy statement sets out the privacy policy of
fcmbgroupplc.com, which provides a portal, or gateway, to the
financial services offered by the First City Monument Bank Limited and
the other members of the FCMB Group Plc (Collectively, “FCMB”).
</p>
<p className="mb-[15px]">
This policy explains how we collect, share, use, and protect
information when you visit or use this website and any other online
services, platforms, or products offered by FCMB or any of its banking
and non-banking affiliates and subsidiaries that link to or reference
this policy (collectively, our “services”).
</p>
<p className="mb-[15px]">
<strong>1.1 FCMB and You</strong>
</p>
<p className="mb-[15px]">
First City Monument Bank Limited is a private limited liability
company registered in the Federal Republic of Nigeria under RC No.
46713. Its head-office is at Primrose Tower, 17A Tinubu Street, Lagos
State, Nigeria.
</p>
<p className="mb-[15px]">
FCMB Group Plc hosts the fcmbgroupplc.com website and provides
technical support, access and links to the Local Sites of First City
Group members. fcmbgroupplc.com does not offer financial services or
products. Financial services and products may only be obtained by
registering with a Local Site. The First City Group provides financial
products and services to a global clientele through its affiliated
companies and branches located in 36 states and the Federal Capital
Territory in Nigeria, and in the UK. Privacy and personal data
protection principles vary from one country to another. When you
access or link to a Local Site, please read the privacy statement
issued by the Local Site to determine the policies that apply to
information or data maintained by the Local Site.
</p>
<p className="mb-[15px]">
<strong>
<span>2. Information we may collect about you </span>
</strong>
</p>
<p className="mb-[15px]">
<strong>2.1 Your Personal Information</strong>
</p>
<p className="mb-[15px]">
At FCMB, we strive to meet your needs and provide you with exceptional
services. In the course of consuming our services through various
channels, such as forms, phone calls, correspondence, service point
interfaces, and other available channels, we collect information that
you provide to us. This information may include, but is not limited
to, contact data, log/Technical information, Financial Data, Marketing
and Communications Data, identity verification details (this includes
Personally Identifiable Information (PII), otherwise known as Personal
Information or Personal Data, which includes email address, phone
number, contact address, limited financial information, location data,
device data etc.) and documents, services consumed or desired, mode of
consumption, preferences, location, general events, and instructions
and transactions relating to the services.
</p>
<p className="mb-[15px]">
The lawful basis we rely on for processing your Personal Information
are:
</p>
<ol>
<li>
Your Consent: Where you agree to us collecting your Personal
Information by using our Services.
</li>
<li>
We have a contractual obligation: Without your Personal Information,
we cannot provide our Services to you.
</li>
<li>
We have a legal obligation: To ensure we are fully compliant with
all applicable financial legislations such as Anti-Money Laundering
and Countering the Financing of Terrorism (AML/CFT) Laws, we must
collect and store your Personal Information. We protect against
fraud by checking your identity with your Personal Information.
</li>
</ol>
<p className="mb-[15px]">
Additionally, to better serve your needs, we may utilize information
about you collected from third parties and service partners. It is
important to note that these third-party sources are not under the
control of FCMB, and we are not responsible for how they use the
information.
</p>
<p className="mb-[15px]">
<strong>2.2 Usage and other information</strong>
</p>
<p className="mb-[15px]">
In addition to the personal information described above, we may
collect certain information about your use of our online services. For
example, we may capture the IP address of the device you use to
connect to the online service, the type of operating system and
browser you use, and information about the site you came from, the
parts of our online service you access, and the site you visit next.
FCMB or our third-party partners may also use cookies, web beacons or
other technologies to collect and store other information about your
visit to, or use of, our online services. In addition, we may later
associate the usage and other information we collect online with
personal information about you.
</p>
<p className="mb-[15px]">
<strong>2.3 FCMB Mobile</strong>
</p>
<p className="mb-[15px]">
For the convenience of our FCMB customers, we provide access to our
products and services through our mobile applications and
mobile-optimized websites ("FCMB Mobile"). When you engage with us
through FCMB Mobile, we may collect certain information to enhance
your experience. This information may include unique device
identifiers for your mobile device, screen resolution, device
settings, location information, and analytical data regarding your
mobile device usage. Please note that we may request your permission
before collecting specific information, such as precise geo-location
data,- contact or image data and other personal identifiable
information through FCMB Mobile. Rest assured that any information
collected is handled with the utmost care and in accordance with our
privacy policy.
</p>
<p className="mb-[15px]">
<strong>2.4 Additional sources of information</strong>
</p>
<p className="mb-[15px]">
We may also collect information about you from additional online and
offline sources including from co-branded partner sites or
commercially available third-party sources, such as credit reporting
agencies. We may combine this information with the personal and other
information we have collected about you under this Privacy Policy.
</p>
<p className="mb-[15px]">
<strong>2.5 Non-Personal Information</strong>
</p>
<p className="mb-[15px]">
In order to achieve our goal of providing you with the best-in-class
service, we may also collect, store, use and transfer non-personal
information or anonymized data such as statistical or demographic
data. These may be collected or sourced during your visits to perform
certain tasks such as grant you access to some parts of our web site
or conduct research on your behaviour on our site in order to improve
our services. We will not disclose your information to any person
outside our organization except as described in this Privacy Policy.
</p>
<p className="mb-[15px]">
<strong>
<span>3. Our Use of Information</span>
</strong>
</p>
<p className="mb-[15px]">
FCMB and/or subsidiaries may use or process the information discussed
above in a number of ways, such as to:
</p>
<ol>
<li>Manage your preferences;</li>
<li>
Create and manage any accounts or transactions you may have with us,
verify your identity, provide our services, and respond to your
inquiries;
</li>
<li>
Process your applications and transactions (including authorization,
clearing, chargebacks and other related dispute resolution
activities);
</li>
<li>
Protect against and prevent fraud, unauthorized transactions, claims
and other liabilities as well as enhance the security of your
account or our online services;
</li>
<li>
Provide, administer and communicate with you about our products,
services, offers, programs and promotions as well as those of our
merchants and partners;
</li>
<li>
Evaluate your interest in employment and contact you regarding
possible employment with FCMB;
</li>
<li>
Evaluate and improve our business, including developing new products
and services;
</li>
<li>To target advertisements, newsletters, and service updates;</li>
<li>As necessary to establish, exercise and defend legal rights;</li>
<li>
Perform analytics concerning your use of our online services,
including your responses to our emails and the pages and
advertisements you view;
</li>
<li>
As may be required by applicable laws and regulations, including for
compliance with Know Your Customers and risk assessment, Anti-Money
Laundering, anti-corruption and sanctions screening requirements, or
as requested by any judicial process, law enforcement or
governmental agency having or claiming jurisdiction over FCMB or
affiliates;
</li>
<li>
To use data analytics to improve our Website, products, or services,
and user experiences;
</li>
<li>
For other purposes for which we provide specific notice at the time
you provide or we collect your information.
</li>
</ol>
<p className="mb-[15px]">
We may also use data that we collect on an aggregate or anonymous
basis (such that it does not identify any individual customers) for
various business purposes, where permissible under applicable laws and
regulations.
</p>
<p className="mb-[15px]">
<strong>
<span>4. Cookies</span>
</strong>
</p>
<p className="mb-[15px]">
This website, along with most other major websites, uses cookies.
Cookies are pieces of information that a website transfers to the
cookie file on your computer’s hard disk. Cookies enable users to
navigate around the website and (where appropriate) enable us to
tailor the content to fit the needs of visitors who have accessed the
site.
</p>
<p className="mb-[15px]">
Firstcitygroup.com uses two types of cookies on this website:
</p>
<ol>
<li>
Session cookies, which are temporary cookies that remain in the
cookie file of your computer until you close your browser (at which
point they are deleted).
</li>
<li>
Persistent or stored cookies that remain permanently on the cookie
file of your computer.
</li>
</ol>
<p className="mb-[15px]">
Cookies cannot look into your computer and obtain information about
you or your family or read any material kept on your hard drive and,
unless you have logged onto an authenticated page, cookies cannot be
used to identify who you are.
</p>
<p className="mb-[15px]">
Cookies cannot be used by anyone else who has access to the computer
to find out anything about you, other than the fact that someone using
the computer has visited a certain website. Cookies do not in any way
compromise the security of your computer.
</p>
<p className="mb-[15px]">
Cookies will not be used to contact you for marketing purposes other
than by means of advertisements offered within this website.
</p>
<p className="mb-[15px]">
Cookies may be used to record details of pages relating to particular
products and services that you have visited on this website. This is
to provide fcmb.com with generic usage statistics to allow the company
to improve this website and to provide you with information that may
interest you.
</p>
<p className="mb-[15px]">
The web browsers of most computers are initially set up to accept
cookies. If you prefer, you can set your web browser to disable
cookies or to inform you when a website is attempting to add a cookie.
You can also delete cookies that have previously been added to your
computer’s cookie file.
</p>
<p className="mb-[15px]">
You can set your browser to disable persistent cookies and/or session
cookies but if you disable session cookies, although you will be able
to view this website’s unsecured pages, you may not be able to log
onto any authenticated pages.
</p>
<p className="mb-[15px]">
Please visit{" "}
<a href="http://www.allaboutcookies.org/manage-cookies/">
http://www.allaboutcookies.org/manage-cookies/
</a>{" "}
to discover how to disable and delete cookies.
</p>
<p className="mb-[15px]">
<strong>
<span>5. Disclosures</span>
</strong>
</p>
<p className="mb-[15px]">
<strong>5.1 Disclosures</strong>
</p>
<p className="mb-[15px]">
We may divulge individual data to any individual performing review,
lawful, operational, or different services for us. We will utilize
data which does not identify the person for these exercises at
whatever point achievable. Data divulged to vendors or contractors for
operational purposes may not be re-disclosed to others by such a
vendor or contractor. We may reveal individual data when needed to do
as such by a court request, or court order. We may divulge individual
data as we esteem it proper to secure the wellbeing of our customers
or for an investigation identified with open security or to report an
action that has all the earmarks of being disregarding law. We may
divulge individual data to ensure the security and dependability of
this site and to take safety measures against accountability.
</p>
<p className="mb-[15px]">
<strong>5.2 Disclosures to Third Parties</strong>
</p>
<p className="mb-[15px]">
Data about you that is accessible to you by means of fcmb.com,
including your personal data, can become subject to the legal systems
and laws in force in the country where the data is held, received or
stored by you or us. Such data can become subject to disclosure
pursuant to the laws of the country.
</p>
<p className="mb-[15px]">
We may reveal your name and other personal data and other monetary
data about you at the request of regulatory agency or in connection
with an examination of us as a bank. This information could be
revealed to internal and external attorneys or auditors, and to others
whom we are required to make such revelations.
</p>
<p className="mb-[15px]">
<strong>
<span>6. Information Security and Retention</span>
</strong>
</p>
<p className="mb-[15px]">
At FCMB, we are fully committed to protecting the information we
collect. We maintain administrative, technical, and physical controls
to actively safeguard the Personal Information you provide or we
collect. These controls are designed to protect against loss, theft,
unauthorized access, disclosure, copying, misuse, or modification.
</p>
<p className="mb-[15px]">
Our security measures actively include secure servers, firewalls, data
encryption, and restricted access granted only to employees for
fulfilling their job responsibilities.
</p>
<p className="mb-[15px]">
When using a password for any of your accounts, it is essential that
you actively ensure its confidentiality and refrain from sharing it
with anyone.
</p>
<p className="mb-[15px]">
We actively conduct our business in accordance with these principles
to actively ensure the confidentiality and protection of your Personal
Information. While transmitting information online may not be entirely
secure, we actively take all reasonable steps to ensure the security
and protection of your Personal Information.
</p>
<p className="mb-[15px]">
We will only retain personal information on our servers for as long as
it is actively necessary while providing services to you. In the event
you close your account, we actively store your information on our
servers to comply with regulatory obligations and actively monitor,
detect, and prevent fraud. Any retention of your Personal Data is
solely for such length of time as may be required by law, regulation,
and the internal policies of FCMB, her members and/or affiliates.
</p>
<p className="mb-[15px]">
<strong>6.1 Data Protection on the Internet</strong>
</p>
<p className="mb-[15px]">
At FCMB we utilize encryption innovation to ensure the transmission of
data to or from you by means of fcmb.com. For security reasons and to
protect the security of your information, access to fcmb.com is
restricted to authorized users only. However, because information
about you, your account data and other transactions can be accessed
through a public network, the Internet, there can be no guarantee that
your account information will remain secure and you accept the risk
that unauthorized persons may view such information. If you believe
that an unauthorized person has accessed your information, please
contact the Bank immediately.
</p>
<p className="mb-[15px]">
<strong>
<span>7. Updates to this Policy</span>
</strong>
</p>
<p className="mb-[15px]">
From time to time, we may change, amend or review this Privacy Policy
from time to time to reflect new services or changes in our Privacy
Policy and place any updates on this page. All changes made will be
posted on this page and where changes will materially affect you, we
will notify you of this change by placing a notice online or via mail.
If you keep using our Services, you consent to all amendments of this
Privacy Policy.
</p>
<p className="mb-[15px]">
<strong>
<span>8. Contact us</span>
</strong>
</p>
<p className="mb-[15px]">
For issues relating to personal data, please contact us via any of the
below:
</p>
<p className="mb-[15px]">
Corporate Address: Primrose Tower, 17A, Tinubu Street, Marina, Lagos
</p>
<p className="mb-[15px]">Telephone: 07003290000, 01-2798800</p>
<p className="mb-[15px]">
Email: <a href="#">customerservice@fcmb.com</a>
</p>
<p className="mb-[15px]">
Whatsapp: (+234) 09099999814 or (+234) 09099999815
</p>
</div>
</div>
);
};
export default Main;
src/components/TsAndCs/index.ts
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import Main from "./Main";
export { Main as TsAndCs };