Cookie Policy

1.0 About This Cookie Policy

This Cookie Policy explains how Alt Bank Limited ("Alternative Bank", "the Bank", "we", "us", "our") uses cookies and similar technologies on our website and digital platforms ("Services"). It explains what cookies are, why we use them, the types of cookies we use, and how you can manage your preferences.

This Cookie Policy should be read together with our Privacy Policy, which explains how we handle personal data in compliance with the Nigeria Data Protection Act (NDPA) 2023 and other applicable laws.

2.0 What Are Cookies?

Cookies are small text files placed on your device (computer, mobile phone, tablet) when you visit a website. Cookies allow the website to remember your device, preferences, and actions (such as language, consent choices, and session status) for a period of time.

We may also use similar technologies such as local storage, tags, pixels, or scripts.

3.0 The Specific Cookies we Use

For clarity, cookies on our Services fall into two broad groups:

3.1 Essential Cookies (Necessary Cookies)

These cookies are required for the website to function properly (e.g., security, page display, consent management). These cookies are always active and cannot be switched off through our cookie banner because the website cannot operate properly without them.

3.2 Non-Essential Cookies (Optional Cookies)

These cookies are not required for core website function. They support additional features and services such as:

embedded videos (e.g., YouTube)
social media plugins
enhanced website experience (e.g., external fonts)
advertising and targeting (if used)

These cookies are only used where applicable and subject to your consent.

4.0 Why We Use Cookies

We use cookies to:

operate and secure our website
manage consent preferences
ensure correct page layout and user experience
enable optional services (videos, plugins, comments)
monitor and improve our Services (where applicable and consented)

5.0 Cookie Categories We Use

Cookies used on our Services may be grouped into the following categories:

5.1 Strictly Necessary / Essential Cookies (Compulsory)

These cookies are necessary to enable core website functionality, manage cookie consent and comply with privacy obligations, and support security features. These cookies are always enabled.

5.2 Functional Cookies

These cookies provide additional functionality beyond essential operations (e.g., embedded services, third-party content). These cookies are used only when you consent.

5.3 Performance / Analytics Cookies

These cookies help us understand website usage and improve user experience (e.g., analytics tools). Used only when you consent (where applicable).

5.4 Targeting / Advertising Cookies

These cookies are used to deliver targeted advertising and measure campaign effectiveness. Used only when you consent (where applicable). We do not deploy advertising cookies unless explicitly enabled on our platforms.

6.0 Managing Your Cookie Preferences

You can manage cookie preferences by:

using the cookie banner on the website to accept/reject optional cookies
adjusting browser settings to delete cookies or block cookies completely

Please note: disabling cookies may affect your experience and some Services may not function properly.

7.0 Third-Party Cookies

Where third-party services are enabled (e.g., YouTube, Google Fonts), those third parties may process your data and deploy cookies according to their privacy policies.

For more information on Google's privacy practices: https://policies.google.com/privacy

8.0 Updates to This Cookie Policy

We may update this Cookie Policy from time to time to reflect legal, technical, or operational changes. Updates will be posted on our website and become effective upon publication.

9.0 Contact Us

If you have questions about this Cookie Policy or your privacy rights, contact:

Data Protection Officer (DPO)
Alt Bank Limited
20 Marina, Lagos
Email: dpo@altbank.ng