Privacy Policy
This policy explains what personal information Bells Credit Union (BCU) collects, why we collect it, and the choices you have. We are committed to handling your data lawfully and transparently under the Nigeria Data Protection Act.
Information we collect
We collect information you provide when you open an account or use our services, including your name, contact details, date of birth, and government identification such as BVN or NIN. For verification we store only secure one-way hashes of your BVN and NIN, never the raw values.
We also collect transaction data, device and log information, and information from approved partners such as our deposit and identity-verification providers.
How we use your data
We use your information to operate your account, process deposits and withdrawals, assess loan eligibility, prevent fraud, meet our regulatory obligations, and improve our products.
We do not sell your personal data. We only share it with service providers and regulators where necessary to deliver our services or comply with the law.
How we protect it
Sensitive identifiers are hashed, traffic is encrypted in transit, and access to member data is restricted on a need-to-know basis with audit logging.
While no system is perfectly secure, we maintain controls aligned with industry standards and review them regularly.
Your rights
You may request access to the personal data we hold about you, ask us to correct inaccuracies, or request deletion where we are not required to retain it.
To exercise any of these rights, contact our Data Protection Officer at privacy@bcu.ng.
Data retention
We retain account and transaction records for as long as you are a member and for the period afterwards required by financial regulations, after which the data is securely deleted or anonymised.