digifi-www/src/components/TsAndCs/Main.tsx

import React from "react";

const Main: React.FC = () => {
  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;