Effective Date: March 09, 2026
Last Updated: March 09, 2026

At MICREP, your privacy matters. We are committed to protecting the personal information, membership data, employee-related records, and confidential submissions processed through the MICREP platform.

This Privacy Policy explains what we collect, how we use it, how we protect it, and what rights you may have when you use the MICREP website and member portal.

1. About MICREP

MICREP is the Microfinance Banks Character Reference Portal.

The platform is designed to help authorized users and member institutions:

• verify employee records
• submit confidential misconduct reports
• manage member-only access to protected portal tools
• handle records and evidence in a secure environment

By using MICREP, you agree to this Privacy Policy.

2. Information We Collect

We may collect information in the following ways.

Information you provide directly

When you register, subscribe, log in, contact us, verify an employee, or submit a report, we may collect:

• your full name
• email address
• phone number
• organization or bank name
• membership account details
• billing and subscription information
• employee details submitted into portal forms
• report summaries and narrative descriptions
• uploaded evidence files and supporting documents
• messages sent through contact or support forms

Information collected automatically

When you use the MICREP website or member portal, we may automatically collect:

• IP address
• browser type
• device type
• operating system
• pages visited
• date and time of access
• login activity
• usage logs and session data

Subscription and transaction data

When you purchase or renew a MICREP membership, we may collect or receive:

• order details
• membership status
• subscription dates
• payment references
• transaction confirmation records

MICREP does not intentionally store your full debit card or payment card details on its own servers where payment is processed by a third-party provider.

3. How We Use Your Information

We use information collected through MICREP to:

• create and manage user accounts
• process membership subscriptions and renewals
• give members access to protected portal features
• support employee verification requests
• receive and manage submitted reports
• maintain platform security and fraud prevention
• monitor misuse, abuse, or unauthorized access
• communicate account updates and service notices
• respond to inquiries and support requests
• improve the performance and reliability of the platform
• comply with legal, regulatory, and compliance obligations

4. Confidential Reports and Sensitive Data

MICREP may process confidential reports and employment-related information submitted by members.

This may include:

• employee identity details
• incident summaries
• narrative descriptions
• uploaded evidence files
• related internal reference information

We treat these submissions as confidential and apply access controls to reduce unauthorized access.

However, you are responsible for ensuring that:

• the information you submit is accurate to the best of your knowledge
• you are authorized to submit it
• you do not upload false, malicious, or misleading content
• you do not include unnecessary personal information

MICREP may review, restrict, preserve, or remove submitted data where necessary for security, investigation, compliance, or legal reasons.

5. Legal Basis for Processing

Where applicable, MICREP may process personal data based on:

• your consent
• the need to provide a service you requested
• legitimate business and security interests
• legal and regulatory obligations
• the protection or defense of legal rights

6. How We Share Information

MICREP does not sell your personal data.

We may share information only when necessary and appropriate, including with:

• payment service providers
• hosting and infrastructure providers
• technical support providers
• security, backup, or monitoring services
• authorized platform administrators
• legal, compliance, or audit advisers
• law enforcement or regulatory authorities where required by law

We may also disclose information when reasonably necessary to:

• protect the integrity of the platform
• investigate abuse or fraud
• enforce our terms
• respond to legal requests

7. Data Retention

We keep information only for as long as it is reasonably needed for operational, legal, security, and compliance purposes.

This may include retaining data for:

• account administration
• reporting history
• audit trails
• fraud prevention
• dispute resolution
• legal and regulatory recordkeeping

When data is no longer required, we may delete, anonymize, or securely archive it.

8. Security Measures

MICREP takes reasonable steps to protect the information processed through the platform.

These may include:

• password-protected accounts
• role-based access restrictions
• membership-based access control
• activity logging
• secure form handling
• file access protection
• software and security monitoring
• website and server-level safeguards

But no online system is completely risk-free. While we work hard to protect your information, we cannot guarantee absolute security.

9. Cookies and Website Technologies

MICREP may use cookies and similar technologies to:

• keep users signed in
• maintain session functionality
• improve website performance
• remember preferences
• support analytics and security monitoring

You can control cookies through your browser settings, but some parts of the site may not work properly if cookies are disabled.

10. Third-Party Services

MICREP may use third-party tools or providers for services such as:

• payment processing
• website hosting
• email delivery
• analytics
• membership functionality
• technical support

These third parties may process data according to their own privacy practices and policies. MICREP is not responsible for the privacy policies of external services beyond its control.

11. International Data Transfers

Where service providers operate in other countries, your information may be processed or stored outside your local jurisdiction.

Where this happens, we will take reasonable steps to ensure appropriate safeguards are in place.

12. Your Rights

Depending on the laws that apply to you, you may have the right to:

• request access to your personal data
• request correction of inaccurate data
• request deletion of certain data
• object to or restrict certain processing
• withdraw consent where consent applies
• request a copy of your personal data
• file a complaint with a relevant authority

These rights may be limited where legal, operational, security, or compliance obligations apply.

13. Your Responsibilities

When using MICREP, you are responsible for:

• keeping your login details secure
• using the platform lawfully
• submitting only relevant and authorized information
• avoiding false, abusive, or malicious submissions
• respecting privacy and applicable data protection obligations
• notifying us if you suspect unauthorized access to your account

14. Children’s Privacy

MICREP is not intended for children. We do not knowingly collect personal data from children. If such information is identified, we may take steps to remove it.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in the platform, our operations, or legal requirements.

When updates are made, the revised version will be posted on this page with an updated effective date.

Your continued use of MICREP after changes are posted means you accept the updated Privacy Policy.

16. Contact Us

If you have any questions about this Privacy Policy or how your data is handled, contact us through the details below:

MICREP
Email: info@micrep.com
Phone: +234-810-642-9718
Address: 2nd Floor, Block A5(B), A.R.O. Plaza, Plot 2105 Herbert Macaulay Way, Opposite Total Filling Station, Wuse Zone 6, Abuja.
Website: www. micrep.com