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Privacy Policy

Baines Credit Microfinance Bank’s Privacy Policy

Baines Credit Microfinance Bank is a licensed microfinance bank in Nigeria. And as a data collector, BAINES (“we” “us” “our”) is committed to protecting and respecting your privacy. This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By visiting “” or downloading our BAINES and or BLINKCASH APPS (“our site”) you are accepting and consenting to the practices described in this policy. Please note that by clicking the “Connect with Facebook” button you are agreeing that Facebook may share personal data held by them with us. The collection and processing of your personal data is in accordance with the National Information Technology Development Agency Act 2007 (the “Act”), Nigeria Data Protection Regulation 2019 (the “Regulations”) and the provisions and prescriptions of Section 5; Part 1 and Part 2 of National Information Systems and Network Security Standards and Guidelines.

Information we may collect from you
We may collect and process the following data about you:

1 . Information you give us:
You may give us information by visiting our site or downloading our Apps and by allowing us to access your information on social media sites (including but not limited to Facebook, Twitter and LinkedIn) or by corresponding with us by phone, e-mail or otherwise. This includes information you provide when you register to use our site, apply for a loan or any of our services, search for a feature (for example but not limited to, loan amounts, currency, loan duration), your activity levels on boards or other social media functions on the applicable social media sites, the applications you use on social media sites, and when you report a problem with our site. The information you give us may include your name, address, e-mail address and phone number, login information for social networking sites, financial and credit card information, personal description, current and former places of employment, education, names of colleagues, contacts and friends, photographs, and lists of family members.

2 . Information we collect about you:
With regard to each of your visits to our site we may automatically collect the following information:

i. Technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;

ii. Information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our site (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer service number.

iii. Anonymized repayment data.

3 . Information we receive from others:

We may receive information about you if you use any of the other websites we
operate, the other services we provide and/or the social media sites to which
you login to via our site. We are also working closely with third parties
(including, for example, business partners, sub-contractors in technical,
payment and delivery services, social media sites, advertising networks,
analytics providers, search information providers, credit bureaus, and financial
services and credit providers) and may receive information about you from

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. By visiting our website, you consent to the placement of cookies and beacons in your browser and HTML-based emails in accordance with this Privacy Policy