ALAT Terms & Conditions

Account Opening & Management

I/We hereby request and authorize you to:

Open an account in my/our name; and at any time subsequently, to open further accounts as I/we may direct.
Honour all withdrawal instruments which may be drawn on the said account, provided that such withdrawal instructions to the said account (whether the account is in credit or overdrawn or may become overdrawn in consequence of such withdrawal) are without prejudice to the Bank’s right to refuse to allow any overdraft, and in consideration of this, I/we agree:

to assume full responsibility for the genuineness, correctness and validity of endorsements appearing on all documents deposited in my/our account(s)
to be bound by the Bank’s rules for the conduct of the account(s), receipt of which I/we hereby acknowledge
to free the Bank from responsibility or liability for any loss or damage to funds deposited with the Bank due to any future government order, law, levy, tax, embargo, or such other causes beyond the Bank’s control
that all funds standing to my/our credit are payable only in the currency as may be in circulation in Nigeria at any given time
to be bound by any notification of change in conditions governing the account(s) or information relating thereto, directed to my/our last known physical or e-mail address. I/We hereby agree that any mail sent to my/our last known physical or e-mail address shall be considered duly delivered and received by me/us at the time it is delivered at the last known address
that the Bank will not in any way whatsoever be liable for funds handed by me/us, or my/our representative(s) to members of staff, or persons purporting to be members of staff outside banking hours or outside the Bank’s premises
that the Bank’s statement(s) on my/our account(s) shall be sent to the e-mail address I/we supplied and from time to time such other information relevant to the account may be sent to the mobile telephone number I/we supplied
that interest will be paid on deposits in my/our savings account at the Bank’s ruling rates and subject to prevailing conditions
that I/we would promptly and clearly communicate any changes to my/our details to the Bank in writing immediately the changes occur
not to use my/our account(s) as a medium for fraud, or to convert funds belonging to other persons
to honour all cheques or other orders which may be drawn on my/our current account, provided that such cheques or orders to the said account (whether such account is in credit or overdrawn or may become overdrawn in consequence of such debit) shall be without prejudice to the Bank’s right to refuse or allow any overdraft or increase in overdraft on the account
that if any cheque credited into my/our account(s) is/are returned dishonoured, the Bank may notify me/us through my/our telephone numbers or e-mails
that my/our attention has been drawn to the necessity of safeguarding my/our cheque book, debit card, credit card, other bank instruments, personal identification number (PIN) and codes so that unauthorised persons are unable to gain access to them. I/We hereby agree that my/our failure to protect any of these information, or neglect of this precaution in whatsoever way may be grounds for any consequential loss being charged to my/our account
that the Bank is not under any obligation to honour any cheque(s) drawn on my/our account(s) unless there are sufficient funds to cover the value of the instrument (and any associated cost). I/ We also agree that any such instrument may be returned to me/us unpaid, but, if paid notwithstanding the insufficiency of funds, I/we are obliged to repay the Bank any outstanding sum on my/our account in addition to charges and interest accrued thereon
that any sum standing to the debit of my/our account shall be liable to interest charges at the rate fixed by the Bank from time to time. The Bank is authorized to debit from the account the usual banking charges, interests, commissions, and any service charges set by the management from time to time
that in addition to any general lien or similar right to which the Bank may be entitled to by law as bankers, the Bank may at any time and without notice to me/us combine or consolidate all or any of my/our accounts without any liabilities to it, and set-off or transfer any sum or sums standing to the credit of any one or more of such accounts or any other credit, be it cash, cheques, valuables, deposits, securities, negotiable instruments or other assets belonging to me/us towards the satisfaction of any of my/our liabilities to any other account or in any other respect, whether such liabilities be actual or contingent, primary or collateral and several or joint
to comply with all rules and regulations issued by the Bank governing the use of electronic banking services which the Bank may from time to time offer and provide to me/us, in order to ensure banking convenience

Honour all online instructions to transfer funds from the said account to another account held by me/ us, or any other person, or to make payments for services, without prejudice to the Bank’s right to refuse to allow any overdraft or increase in overdraft and without liability to the Bank for such transfer(s)
Report any incidence of dishonoured/returned cheques to regulatory and/or law enforcement agencies as may be required by law or regulations from time to time
If a fraudulent activity is associated with the operation of my/our account, I/We agree that WemaBank/ALAT have the right to apply restrictions to my/our account and report to appropriate law enforcement agencies.

Electronic Banking Transactions

The Customer hereby confirms and agrees that the following terms and conditions shall govern his/her electronic banking transactions with WEMA Bank Plc (“the Bank”):

1. INTEPRETATION

1.1 Service means the electronic banking services of the Bank, including: mobile banking, secure message facility, and bills payment services.

1.2 Login Password means the enabling code with which the Customer accesses the system and which is known only to the customer.

1.3 Transaction Personal Identification Number (‘’PIN’’) means the enabling code with which the Customer can pay bills, transfer or move fund from one account to the other, and authorize several processes and transactions.

1.4 Account means a current or savings account or other account maintained by the Customer with the Bank at any of the Bank’s branches in Nigeria

1.5 Mailing Address means the Customer’s mailing address in the Bank‘s records.

1.6 Instruction means the Customer’s request to the Bank for the Services.

1.7 Switch means an online electronic transaction processing payment infrastructure that connects different payment channels to the payment processors and enablers.

1.8 One Time Password (‘’OTP’) means the second factor enabling code with which the Customer can authorize transactions and processes. This can be sent to customer’s telephone number, email or gotten from a hardware token.

2. SCOPE AND MODE OF SERVICE

2.1

The Service allows the Customer to give the Bank instructions by use of a username, login password, security answer to predefined questions, and a transaction PIN (individual and collectively, "Account Security Details") for the following:

2.1.1 to obtain information regarding Customer’s balance as at the last date of business with the Bank;

2.1.2 to obtain information with regards to any instrument in clearing or any credit standing in the Customer’s account as at the last date of transaction on the Customer’s account;

2.1.3 to authorize the Bank to debit the Customer’s account to pay utility bills such as NITEL, PHCN, DSTV, water rate and/or any other bills as may be specified by the Customer, subject however to availability of such bill payment under this service;

2.1.4 to authorize the Bank to effect transfer of funds from the Customer’s account to any other account with the Bank or outside the Bank;

2.1.5 to authorize the Bank to effect a stop payment order on any previously authorized transaction;

2.1.6 to authorize the Bank to effect any other transaction offered by the Bank on its electronic banking services platform.

2.2

On receipt of instructions, the Bank will endeavor to carry out the Customer’s instructions on a best effort basis, excepting all or any unforeseen circumstances such as act of God, force majeure, and other causes beyond the Bank‘s control.

2.3

For the service to be available to any Customer, he/she must have any one or a combination of the following: (i) an account with the Bank; (ii) a user name, login password, security answer, transaction PIN and one time password (OTP) ; (iii) a computer, smartphone, tablet and other similar devices; (iv) a functional e-mail address, phone number, and date of birth.

3. USE AND PROTECTION OF ACCOUNT SECURITY DETAILS

3.1 The Customer understands that his/her Account Security Details is used to give instructions to the Bank and accordingly undertakes that under no circumstance shall any part of the Account Security Details be disclosed to anybody. The Customer further undertakes to memorize the Account Security Details and not to reproduce or store any part of the Account Security Details in any accessible place or manner, or in any recognizable form, or on any other item carried along with the internet services to prevent access to same by a third-party.

3.2 The issuance of any instruction with any component of the Account Security Details shall be sufficient confirmation of the authenticity of the instruction given, and the Bank shall, without more, assume that the instructions were issued by the Customer and shall be entitled to rely on same to effect the instruction.

3.3 The Customer undertakes to immediately change his/her Account Security Details upon reasonable suspicion of it becoming known to a third-party.

3.4The Customer hereby indemnifies and exempts the Bank from any liability whatsoever for the Bank’s compliance with any or all instruction(s) given by means of any of the Account Security Details, if by any means any part of the Account Security Details becomes known to a third-party or otherwise becomes compromised.

3.5 The customer shall be responsible for any instruction given with the use of any of the Account Security Details. Accordingly, the Bank shall not be responsible for any fraudulent, duplicate or erroneous instruction given by means of any of the Account Security Details .

4. CUSTOMER’S RESPONSIBILITY

4.1 The Customer undertakes absolute responsibility for safeguarding his/her Account Security Details, and undertakes not to disclose any part of the Account Security Details to any person under any circumstance.

4.2 The Bank is hereby exempted from any liability arising from unauthorized access to the Customer’s account and/or data as contained in the Bank’s records via the service, which arises as a result of inability and/or otherwise of the Customer to safeguard his/her Account Security Details; and/or failure to completely log out of a system, thereby allowing on screen display of his/her account information.

4.3 The Bank is further relieved of any liability as regards the occurrence of a breach of the Bank’s duty of secrecy to the Customer by hackers and other unauthorized access to the Customer’s account via the service which may arise from the Customer’s failure or inability to protect his/her Account Security Details as required herein.

4.4 The Customer undertakes to change his/her Account Security Details immediately he/she has reason to believe that any part of it has become known to any third-party. The Customer agrees that he/she is under a duty to notify the Bank whenever he/she has reason to believe that any part of his/her Account Security Details has become known to any third-party.

4.5 Where a customer notifies the Bank of his intention to change his password, security answer and/or transaction PIN arising from either his loss of memory of same or that it has come to notice of a third party, the Bank shall with the consent of the customer, delete same and thereafter allow the customer to enter a new password, security answer and/or transaction PIN. Provided that the Bank shall not be responsible for any losses that occur between the period of such memory loss of the password, security answer and/or transaction PIN or knowledge of a third-party, and the time the report is lodged with the Bank.

4.6 The Customer shall be responsible for any fraud, loss and/or liability to the Bank or third-party arising from the use of any of the Customer’s Account Security Details by a third party. Accordingly, the Bank shall not be responsible for any fraud that arises from the use of any of the Customer’s Account Security Details.

4.7 Upon enrolment of a Customer for the service, the Bank may deduct applicable monthly/quarterly/annual fees and/or charges from the Customer’s account, whether or not the Customer made use of the service during the period in question, provided that the Customer had activated his/her profile by accessing the system using his/her login credentials.

4.8 The Customer hereby:

4.8.1 4.8.1 undertakes to provide true, accurate, current and complete information about himself/herself as requested in the Bank’s self-registration and account opening forms, and the Customer agrees not to misrepresent his/her identity or information.

4.8.1 One Time Password (‘’OTP’) means the second factor enabling code with which the Customer can authorize transactions and processes. This can be sent to customer’s telephone number, email or gotten from a hardware token.

4.8.2 undertakes not to use the service for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another’s privacy, abusive, threatening, or obscene, or that infringe the right of others

4.8.3 acknowledges and agrees that the Bank owns all rights to the website(s) used to provide the service and the contents displayed on the website. The Customer is only permitted to use content on the website only as expressly authorized by the Bank. The Customer may not copy, reproduce, distribute, or create derivative work from content on the website without the written consent of the Bank. A violation of any of the above guidelines is grounds for discontinuation of the service by the Bank without notice to the Customer.

4.8.4 4.8.4 acknowledges that copyright in the pages of the self-registration and account opening forms, in screens displaying the pages, and in the information and material therein is owned by the Bank.

5. DISCLAIMER OF WARRANTIES

5.1The customer expressly understands and agrees that use of the service is at his/her sole risk. The service is provided on an “as is” and “as available” basis. The Bank expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non- infringement.

5.2 The Bank makes no warranty that:

5.2.1 the service will meet the Customers’ requirements;

5.2.2 the service will be uninterrupted, timely, secure, or error-free;

5.2.3 the results that may be obtained from the use of the service will be accurate or reliable when data source is from a 3rd party outside ALAT or Wema Bank Plc 5.2.4 the quality of any product, service, information or other material purchased or obtained by the Customer through the service will meet his/her expectations;

5.2.4 any error in the technology will be corrected.

6. LIMITATIONS OF LIABILITY

6.1 The Customer agrees that the Bank will not be liable for any act, omission or damage, whether direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, goodwill, or other intangible losses, even if the Bank had been advised of the possibility of such damages, resulting from: (i) the use of, or the inability to use the service; (ii) the cost of getting substitute service due to the failure of any product, data, messages, or information purchased, obtained, or received from the service; (iii) unauthorized access to, or alteration, or transmission of data by third-parties; (iv) statements or conduct of anyone on the service; (v) any other matter relating to the service.

6.2 Under no circumstances will the Bank be liable for any damages, including without limitation: direct, indirect, special, incidental or consequential damages, losses or expenses arising in connection with the use or inability to use this service by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation, transmission, computer virus or line or system failure, even if the Bank or its representatives thereof are advised of the possibility of such damages or losses.

6.3 Any material downloaded or otherwise obtained through the use of the service is done at the Customer’s own discretion and risk and the Bank shall not be responsible for any damage to the Customer’s computer system or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by the Customer from the service will create any warranty not expressly stated in these terms.

6.4 The Bank shall not be responsible for any electronic virus or viruses that the Customer may encounter in course of making use of this service.

7. INDEMNIFICATIONS

Except when caused by the Bank’s intentional misconduct or gross negligence, the Customer agrees to protect and fully compensate the Bank and its affiliates and service providers from any/and all third party claims, liabilities, damages, expenses and costs (including, but not limited to, legal fees) caused by or arising from the Customer’s use of the service, violation of the terms or infringement, by any other user of the Customer’s account, or any intellectual property or other right of anyone.

7.1

I/We agree to process transactions initiated via ALAT app with the sole use of my/our transaction PIN. I/We hereby fully indemnify the Bank, its directors, agents, privies, assigns, successors, employees, or any other person whomsoever acting under the Bank’s authority or control against any costs, losses, damages, litigation, action, proceeding, expenses (including Attorney fees), judicial awards of any kind, or any payments of whatsoever nature made or any cost however incurred, whether directly or indirectly, remotely or otherwise, resulting from the Bank processing such Transactions.

I/We acknowledge and recognize that my transaction PIN is the last security check for effecting my Transactions on the ALAT platform. I/We undertake to be fully and solely responsible for all risks that may arise from the Transactions as well or together with all losses which may be suffered by me/us as a result of any unauthorized transfer of monies or other Transactions in my account as a result of the use of my/our transaction PIN on the Bank’s Mobile Banking Platform.

Furthermore, I/We hereby acknowledge and consent that the Bank would not be liable for any loss, fraudulent or unauthorized transfer of monies, that may occur on my/our account as a result of the Bank processing Transactions consummated on my/our account through the ALAT app.

I/We hereby irrevocably and unconditionally agree that in addition to any general lien or right to which the Bank may be entitled to by law as bankers, the Bank may at any time and without notice to me/us combine or consolidate all or any of my/our accounts without any liabilities to it, and set-off or transfer any sum or sums standing to the credit of any one or more of such accounts or any other credit, be it cash, cheques, valuables, deposits, securities, negotiable instruments or other assets belonging to me/us towards the satisfaction of any of my/our liabilities to the Bank, or of any claim made against the Bank, or loss suffered by the Bank as a result of or pursuant to the Bank processing such Transactions, whether such liabilities be actual or contingent, primary or collateral and several or joint.

My/Our obligation herein shall not be reduced by any claim by me/us against the Bank, its Directors, agents, privies, assigns, successors, employees, or any person whomsoever acting under the Bank’s authority.

This indemnity shall be continuing obligation in respect of any and all matters connected to or arising from the Bank processing such Transactions.

8. SERVICE CHANGES AND DISCONTINUATION

The Bank reserves the right to change or discontinue, temporarily or permanently, the service at any time without notice. In order to maintain the security and integrity of the service, the Bank may also suspend the Customer’s access to the service at any time without notice. Customer agrees that the Bank will not be liable to the Customer or any third party for any modification or discontinuation of the service.

9. MISCELLANEOUS

9.1 The Bank shall not be considered an agent or legal representative of the Customer or any other party for any purpose by reason of this Agreement. The relationship between the Bank and the Customer shall not be deemed to create any association, partnership, joint venture, or relationship of principal, agent or master and servant, employer or employee between the parties and nothing contained in this Agreement shall be so construed.

9.2 This Agreement cannot be amended by the Customer, nor shall any of the Bank’s rights be waived unless the Bank communicates such waiver to the Customer in writing.

9.3 This Agreement is personal to the Customer and the Customer may not assign its rights and obligations herein to anyone without written consent of the Bank.

9.4 9.4 All notices to the customer shall be in writing via any of the addresses (e-mail or contact) provided to the Bank.

9.5 9.5 If any of these terms is held to be unenforceable, then such provision shall be construed, as nearly as possible, to reflect the intentions of the parties with other provision remaining in full force and effect.

1.6 9.6 The laws of the Federal Republic of Nigeria shall apply to this Agreement.

I/We hereby certify that I/We understand and agree with all terms and conditions above.

INTRODUCTION
As a customer, be assured that at WEMA BANK PLC. (hereinafter called “Wema Bank”), we are dedicated to protecting your privacy and providing you with the highest level of security at any point of interaction with us. Hence, we want you to engage with us knowing that we value your Personal Data and that we protect it. This 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 Wema Bank. You are also informed of your rights regarding the information we process and how you can contact us. By continuing to visit our websites (www.wemabank.com, www.alat.ng, & outlet.alat.ng) and other Wema Bank customer touchpoints, you accept and consent to the practices described in this policy.

PERSONAL INFORMATION COLLECTED AND COLLECTION METHODS
Personal information refers to data that could identify a specific individual such as names, addresses, e-mail addresses, and telephone numbers. We collect information about you from various sources such as websites visits, applications, identification documents, personal financial statements, interactions with our relationship management officers, and other third parties (credit bureaus, payment gateways etc.) and other written or electronic communications. Depending on your medium of interaction with Wema Bank, we collect various types of information from you, as described below.

Personal details (e.g. name, date of birth, passport information or other identification information)
Contact details (e.g. phone number, email address, postal address or mobile number);
Transactional details (e.g. payments you make and receive)
Biometric information (e.g. fingerprints, facial recognition or voice recognition)
Education and employment information;
Information about your family, lifestyle and social circumstances (such as dependents, marital status, next of kin and contact details);
Information about any other Wema Bank products and services you currently have, you have applied for, or you have previously held.
Visual images and personal appearance (such as copies of passports or CCTV images);
Online profile and social media information and activity, based on your interaction with us and our websites and applications, including for example your banking profile and login information, Internet Protocol (IP) address, smart device information, location coordinates, online and mobile banking security authentication, mobile phone network information, searches, and site visits.

CONDITION FOR PROCESSING PERSONAL DATA
Wema Bank personnel or any third party acting on its behalf shall only process your personal data if at least one of these conditions are met:

Consent: this refers to any freely given, specific, informed and unambiguous indication through a statement or a clear affirmative action that signifies your agreement to the processing of your Personal Data by Wema Bank. Wema Bank shall not seek consent that may engender direct or indirect propagation of atrocities, hate, criminal acts and anti-social conducts.
Contract: processing is necessary for the performance of a contract or entering into a contract at your request.
Legal obligation: processing is necessary for compliance with a legal obligation to which Wema Bank is subject.
Vital interest: processing is necessary to protect your vital interests or those of another natural person.
Public interest: processing is necessary for the performance of a task carried out in the public interest or in the exercise of official authority vested in Wema Bank.
Vendors, Consultants and Third-party Service Providers: processing is required for legitimate interests of Wema Bank or a third party insofar as this does not conflict with the requirements for the protection of your personal data.

HOW WE USE YOUR PERSONAL DATA
To the extent permissible under applicable law, we may use your information for the following legitimate actions:
1. Providing and operating the products and services you have requested
2. Reviewing credit or loan eligibility
3. For crime/fraud prevention and debt collection purposes
4. For improving the design and marketing of our range of services and related products for customer use.
5. Manage our relationships with you
6. To monitor, carry out statistical analysis and benchmarking to identify potential markets and trends, evaluate and improve our business For purposes required by law or regulation
Without your personal information, we may not be able to provide or continue to provide you with the products or services that you need.

TRANSFER OF PERSONAL DATA
Personal data collected by Wema Bank may be transferred among its various divisions (with personnel who have business need to know). Other than to those individuals and entities listed below, your details will not be revealed by Wema Bank to any external body unless Wema Bank has your permission or is under either a legal obligation or any other duty to do so. For the purposes detailed above, your information may be disclosed to:
1. Other Branches or Companies in the Wema Group (ie. Wema Bank PLC, its subsidiaries and affiliates).
2. Any regulatory, supervisory, governmental or quasi-governmental authority with jurisdiction over Wema Group members.
3. Any agent, contractor or third-party service provider, professional adviser or any other person under a duty of confidentiality to the Wema Group
4. Credit reference agencies and, in the event of default, debt collection agencies.
5. Any actual or potential participant or sub-participant in, assignee, novatee or transferee of, any of the Wema Group’s rights and/or obligations in relation to you.
6. Any financial institution with which Wema Bank PLC has or proposes to have dealings.
The above disclosures may require the transfer of your information to parties located in countries that do not offer the same level of data protection as your home country. However, Wema Bank PLC will ensure that parties to whom your details are transferred treat your information securely and confidentially.

HOW WE ENSURE PROTECTION OF YOUR PERSONAL DATA
We have implemented appropriate organizational and technical measures (including physical access controls and secure software and operating environments) to keep your Personal Data confidential and secure. Please note, however, that these protections do not apply to information you choose to share in public areas such as third-party social networks. Where we have provided you (or where you have chosen) a password which grants you access to specific areas on our site, you are responsible for keeping this password confidential. We request that you do not to share your password or other authentication details (e.g. token generated codes) with anyone.

PERSONAL DATA BREACH NOTIFICATION
Wema Bank will inform relevant authorities and if necessary affected individuals of personal data breach within 72 hours of being aware of the breach, where Personal Breach refers to a breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to, personal data. This includes breaches that are the result of both accidental and deliberate causes. Remedies shall include but not limited to investigating and reporting to appropriate authorities, recovering the personal data, correcting it and/or enhancing controls around it.

YOUR RIGHTS
Wema bank Plc. would like to make sure you are fully aware of all your data protection rights. Every customer is entitled to the following:
1. The right to be informed - To emphasize the need for transparency over the usage of personal data, we ensure fair processing of information typically through this privacy policy.
2. The rights to access - You have the right to request from Wema Bank for copies of your personal data where those requests are reasonable and permitted by law or regulation. We may charge you a small fee for this service.
3. The right to rectification - You have the right to request that Wema bank correct any information you believe is inaccurate. You also have the right to request Wema bank Plc. to complete information you believe is incomplete.
4. The right to restrict processing - You have a right to ‘block’ or withdraw your consent to our processing of your information, which you can do at any time. When processing is restricted, we are permitted to store the personal data, but not further process it.
5. The right to erasure - You have the right to request the deletion or removal of personal data where there is no compelling legal or regulatory requirement for its continued processing. Wema Bank will make sure that this right is protected.
6. The right to data portability - You have the right to request that the bank transfer the data that we have collected to another organization, or directly to you, under certain conditions. We will ensure that personal data is moved, copied or transferred easily from one IT environment to another in a safe and secure way, without hindrance to usability.
7. The right to object - You have the right to object to our processing of your information if there are compelling legitimate grounds to do so and to the extent permitted by law or regulation.
1. The right to receive your Personal Data in a commonly used and machine-readable format and the right to transmit these data to another Data Controller when the processing is based on (explicit) consent or when the processing is necessary for the performance of a contract.
2. The right to lodge a complaint with the National IT Development Agency (NITDA) where you believe our processing of your data violates the requirements of the Nigeria Data Protection Regulation 2019 (NDPR).

PERSONAL DATA RETENTION PERIOD
Information held about you is retained if the purpose for which the information was collected continues. The information is then destroyed unless its retention is required to satisfy legal, regulatory or accounting requirements or to protect Wema bank’s interest. Please note that regulations may require the Bank to retain your personal data for a specified period of time even after the end of your banking relationship with us. It is your responsibility to maintain the secrecy of any user ID and login password you hold.

USE OF COOKIES
Cookies are text files placed on your computer to collect standard Internet log information and visitor behavior information. When you visit our websites, we may collect information from you automatically through cookies or similar technology, to improve your experience while on our websites. We would like to let you know a few things about our cookies:
1. Some cookies are essential to access certain areas of this site;
2. We use analytics cookies to help us understand how you use our site to discover what content is most useful to you.
Wema bank Plc. uses cookies in a range of ways to improve your experience on our website, including:
1. Allow us to recognize the PC you are using when you return to our web site so that we can understand your interest in our web site and tailor its content and advertisements to match your interests (This type of cookie may be stored permanently on your PC but does not contain any information that can identify you personally).
2. Identify you after you have logged in by storing a temporary reference number in the cookie so that our web server can conduct a dialogue with you while simultaneously dealing with other customers. (Your browser keeps this type of cookie until you log off or close your browser when these types of cookie are normally deleted. No other information is stored in this type of cookie).
3. Allow you to carry information across pages of our site and avoid having to re-enter that information.
4. Allow you access to stored information if you register for any of our on-line services.
5. Enable us to produce statistical information (anonymous) which helps us to improve the structure and content of our web site.
6. Enable us to evaluate the effectiveness of our advertising and promotions.
Cookies do not enable us to gather personal information about you unless you give the information to our server. Most Internet browser software allows the blocking of all cookies or enables you to receive a warning before a cookie is stored. For further information, visit allaboutcookies.org.

MAINTAINING ACCURATE INFORMATION
You are responsible for making sure the information provided to the Bank is accurate and should inform the Bank on any changes as it occurs, this will enable us to update your information with us.

PRIVACY OF CHILDREN
Wema Bank respects the privacy of children. We do not knowingly collect names, email addresses, or any other personally identifiable information from children through the internet or other touchpoints. We do not allow children under the age of 18 to open accounts nor provide online banking for children less than 18 years of age without the consent of a guardian. Our website may include linked 3rd party sites that would be of interest to children. We are not responsible for the privacy and security practices of these sites. Parents should review the privacy policies of these sites closely before allowing children to provide any personally identifiable information.

SOCIAL MEDIA
We operate and communicate through our designated channels, pages and accounts on some social media sites to inform, help and engage with our customers. We monitor and record comments and posts made about us on these channels so that we can improve our services. The general public can access and read any information posted on these sites. Please note that any content you post to such social media platforms is subject to the applicable social media platform’s terms of use and privacy policies. We recommend that you review the information carefully in order to better understand your rights and obligations regarding such content.

CONTACTING YOU
In providing your telephone, facsimile number, postal and e-mail address or similar details, you agree that Wema Bank PLC may contact you by these methods to keep you informed about Wema Bank products and services or for any other reason. If you prefer not to be kept informed of Wema Bank products and services, please contact Wema Bank PLC by E-mail (purpleconnect@wemabank.com) or through any of our branches.

LINKS TO OTHER WEBSITES
Our website, related websites and mobile applications may have links to or from other websites. Although we try to link only to websites that also have high privacy standards, we are not responsible for their security, privacy practices or content. We recommend that you always read the privacy and security statements on these websites.

POLICY UPDATES
Wema Bank reserves the right to amend its prevailing Data Protection and Privacy Statement at any time and will place any such amendments on our websites (www.wemabank.com, www.alat.ng, & outlet.alat.ng). The latest version of our privacy statement will replace all earlier versions, unless it says differently. Please check back frequently to see any updates or changes to our Notice. This policy is not intended to, nor does it, create any contractual rights whatsoever or any other legal rights, nor does it create any obligations on Wema Bank PLC in respect of any other party or on behalf of any party.

PRIVACY CONTACT INFORMATION
If you have any questions, concerns, or comments about our privacy policy, you may contact our Data Protection Officer. Kindly address your request to “The Data Protection Officer” at 54, Marina Road, Marina, Lagos State, Nigeria or via email (dpo@wemabank.com) . If you have any further questions or comments about us or our policies, please do not hesitate to contact us.
- Email us at: purpleconnect@wemabank.com
- Call us: +234-803-900-3700