<h2>Effective Date: 10 February 2025</h2>
<h2>1. Introduction Welcome to FDH Self-Service ("we," "our," or "us").</h2>
<p>Your privacy is important to us. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our mobile application for remote bank account opening (the "App").</p>
<p>By using our App, you agree to the collection and use of information in accordance with this policy.</p>
<h2>2. Information We Collect When you use our App, we may collect the following types of information:</h2>
<p>
    • Personal Information: Name, date of birth, national identification number, passport or other government-issued ID, address, phone number, email, and financial details.
    • Biometric Data: Facial recognition, fingerprints, or other biometric data for identity verification.
    • Device Information: IP address, device model, operating system, and app usage statistics.
    • Transactional Information: Details about transactions conducted through the App.
    • Location Data: GPS and other location-based data when required for security and fraud prevention.
</p>
<h2>3. How We Use Your Information We use the information collected to:</h2>
<p>
    • Verify your identity and process your bank account application.
    • Comply with legal and regulatory requirements.
    • Detect and prevent fraud, security threats, and unauthorized access.
    • Improve our App and customer experience.
    • Communicate with you regarding your application, account status, or customer support inquiries.
</p>
<h2>4. Data Sharing and Disclosure We may share your information with:</h2>
<p>
    • Banking Partners: To facilitate account opening and comply with banking regulations.
    • Regulatory Authorities: When required by law or financial regulations.
    • Service Providers: Third-party vendors who help us with identity verification, fraud prevention, and customer support.
    • Business Transfers: In case of mergers, acquisitions, or sale of assets, where your information may be transferred as part of the business transition.
    We do not sell or rent your personal data to third parties.
</p>
<h2>5. Data Security We implement industry-standard security measures, including encryption, secure servers, and multi-factor authentication, to protect your personal information from unauthorized access, disclosure, or loss.</h2>
<h2>6. Data Retention We retain your data only for as long as necessary to fulfill the purposes outlined in this policy or as required by law. Once no longer needed, data is securely deleted or anonymized.</h2>
<h2>7. Your Rights and Choices Depending on your jurisdiction, you may have the right to:</h2>
<p>
    • Access, update, or correct your personal data.
    • Request deletion of your data, subject to legal and regulatory obligations.
    • Opt out of certain data processing activities.
    • Withdraw consent where applicable.
    To exercise your rights, contact us at channels@fdh.co.mw
</p>
<h2>8. Third-Party Links and Services Our App may contain links to third-party websites or services. We are not responsible for their privacy practices, and we encourage you to review their policies before providing any personal data.</h2>
<h2>9. Updates to This Privacy Policy We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the revised policy within the App or through other appropriate channels.</h2>
<h2>10. Contact Us If you have any questions about this Privacy Policy or our data practices, please contact us at: channels@fdh.co.mw</h2>