The privacy of our visitors and users is a priority.
The privacy of our visitors and users is a priority.
The customers of Livingtrust Mortgage Bank have the option to elect how their personal information can be shared, and we urge you to make choices that would assist us in meeting your financial needs through are various products and services.
The information we collect
Livingtrust Mortgage Bank collects your information in accordance with extant regulations and statutes. If you reach out to us, we may receive personal information such as your name, email address, phone number, the content of your message and any other information you may choose to provide.
How we collect information
We collect information through our website from visitors, customers and/or users. Specifically, we collect personal information in the following instances:
When you request for a loan facility through our website application form
When you request to open an account through our website
When you send us a whistleblower complaint
When you make general enquiries
When you make use of the mortgage calculator on our website
When you complete our Loan Pre-Assessment Form
When you make enquiries about our products and services
How we use your information
We use the information collected from you in several ways, including:
To render personalized services to you
To treat your requests, carry out your instructions and manage your transactions
To investigate your complaints
To assess your capacity towards accessing our services and products
To provides guides and clarifications to you
To improve, personalize and expand our services/products and website
To develop new products, services, features, functionalities and to generally improve customer/user satisfaction
To send you emails and to generally communicate with you
To log files
For marketing and promotional purposes, and updates on special promotions that may be of interest to you, until you express the wish to stop receiving such
To provide you with information and updates relating to our products/services and website and to ensure such information and relevant to your needs and interest
To understand and analyze how our Customers use our website
To uncover and prevent financial crimes including fraud, money laundering, financing for terrorism, in order to ensure sustainability and security.
To comply with Regulatory and Statutory obligations and to share with Regulators when required.
To operate and maintain our website
The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), Operating System (OS), date and time stamp, referring/exit pages, and in some cases, the number of clicks. There are not linked to any information that identifies individuals. Rather, the purpose is to analyze trends, administer the website, gain market insights for our own business purposes, track users’ movement on the website and gather demographic information. Notwithstanding the foregoing, Livingtrust Mortgage Bank will only use your information upon your consent or as allowed or mandated by Statute or Regulations.
How we share your information
In our bid to ensure that our products and services continue to be relevant to your needs, Livingtrust Mortgage Bank may outsource its product delivery. Whenever this is done, it will be carried out in line with extant laws and regulations. Your information may also be shared in order to provide you with services or products requested by you. Whenever we have a legal or public duty to so do, we will share your information.
Security of Personal Information
Protection of your personal information is our priority. To secure your information, safeguard it from inadvertent/illegal/destructive alteration and/or destruction, prevent unauthorized access and usage; we ensure online, offline and process-based security measures in compliance with relevant statute and regulations. We also engage in creating regular awareness for our employees in respect of appropriate management of personal information. When we engage third parties to render services, we take legal measures to ensure they protect personal information received by them.
Data Protection Rights
Based on our commitment to transparency and user privacy, we wish to ensure that you are aware of your data protection rights. Each user of our website is entitled to the following
The right to access – Users have the right to access their personal data held by the Bank. If you request copies of your personal data, the cost may be borne by you.
The right to rectification – Users have the right to request that we correct any inaccurate or incomplete information. If the information has been disclosed to third parties prior to rectification, such receiving party will be notified of the rectification, if possible. Users also have a right to know the third parties to whom their data was disclosed, where appropriate.
The right to erasure – Users have the right to request that we delete or remove their personal data, under certain conditions. While the Bank will ensure the protection of this right, it may not apply where there is a compelling legal or regulatory requirement to continue processing or storage of such information.
The right to restrict processing – Users have the right to request that we restrict the processing of their personal data, under certain conditions.
The right to object to processing – Users have the right to object to our processing of their personal data, under certain conditions.
The right to be informed – Users have a right to be informed about what we do with their personal data.
The right to data portability – Users have the right to request that we transfer the data that we have collected to another organization, or directly to them, under certain conditions. When this right is exercised, we will ensure safe and secure transmission of the data
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please reach out to us.
Cookies and Web Beacons
Cookies are placed on your hard drive to store information including visitors' preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users' experience by customizing our web page content based on visitors' browser type and/or other information. They also allow our website to identify when you log on our site and to analyze web traffic.
Beyond the data you choose to disclose to us, we cannot access your computer or any other information about you with cookies. While most browsers accept cookies without prompting you, you can amend your browser settings to disable cookies. However, when you do this, your experience while using our website may not be optimal.
Users have an obligation to ensure that the information shared with the Bank is accurate and complete. In the event of changes to information disclosed, such User should notify the Bank to enable us give effect to such changes.
The General Public should please note that the bank will never request for account details,BVN, pin, etcetera via email or text message.
Please refrain from giving out such details to anyone. If you are unsure of a request, please send a mail to email@example.com and we will be happy to assist you.