We care about your privacy

This Online Privacy Policy explains what information we collect, how we collect, share, use, and protect your personal information when you visit or use this site and other services offered by Rubies .  As a Rubies Junior customer, be assured that we will keep protecting your information as we have always done. Our customers have the opportunity to make choices about how their personal information may be shared, and we encourage you to make choices that enable us to provide you with quality products and services that help you meet your financial needs.

1. Collection of your Information

We may collect information about you in a variety of ways. The information we may collect via the Application depends on the content and materials you use, and includes:

A. Personal Data

Demographic and other personally identifiable information (such as your name and email address) that you voluntarily give to us when choosing to participate in various activities related to the Application. Please be advised that all data you disclose in these areas is private and your data will be accessible to you and note this, Rubies will only collect your information in line with relevant regulations and laws.

B. How do we collect information?

We may collect information from a range of sources and it may relate to any of our products or services we currently provide or may have provided in the past. We collect your personal information when:

  • You open an account or perform transactions such as make deposits or withdrawals from your account, payment history and transactions records
  • You use your credit or debit card
  • You seek information from our customer service provider, information concerning complaints and disputes
  • You provide account information such as your personal details e.g. name, gender, date and place of birth; contact information such as address, email address, and mobile numbers

2. Geo-Location Information

We may request access or permission to and track location-based information from your mobile device, either continuously or while you are using the Application, to provide location-based services. If you wish to change our access or permissions, you may do so in your device’s settings.

3. Push Notifications

We may request to send you push notifications regarding your account or the Application.

4. Privacy Policy

We conduct necessary investigations i.e. due diligence checks, and AML/CFT checks and obtain information that we need to support our regulatory obligations, e.g. information about transaction details, detection of any suspicious and unusual activities. Note that we may collect information about your computer (or mobile device), including where available your IP address, operating system and browser type, for system administration or for our own commercial purposes. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.

5. How we use your information

Rubies Junior will only use your information when you have provided your consent or when the bank is required by the law to do so

We use the information we collect to provide customers with excellent products and services, to manage our business and to offer an enriched and enhanced customer experience.

We make appropriate use of your data to manage transactions, respond to your requests, and to provide you with more relevant products and services.

We use your information to deliver our products and services, carry out your instructions, and provide Online banking, mobile banking and other online product and services.

We use this information to detect and prevent financial crimes including fraud, financing for terrorism and money laundering, this is to ensure security and business continuity.

We will use your information to meet our compliance obligations, to comply with laws and regulations and to share with regulators when absolutely necessary.

We make appropriate use of your data to manage transactions, respond to your requests, and to provide you with more relevant products and services.

We may also use personal information we have about you such as your email address to deliver advertising to you directly or on our websites, provide updates on special deals and offers that might interest you (unless you tell us otherwise).

We may send you general announcements or important news about your account, request your feedback and we believe you should be able to select what kinds of information you receive from us via email.

We may need to record conversations you have with us including phone calls, face-to-face meetings, letters, emails and any other kinds of communication. These recordings may be used to check your instructions to us and improve on our product and service delivery.

CONTACT US

If you have questions or comments about this Privacy Policy, please contact us at:

  • Rubies Junior
  • Phase 1, 17 Akanbi Disu, Lekki, 3 101241, Eti-Osa, Lagos
  • Lagos, Nigeria
  • Junior@rubies.ng
  • Junior@rubies.ng