1. INTRODUCTION

Welcome to Wesley Microfinance Bank Limited (“Wesley Microfinance Bank“, “Wesley MFB“, “the Bank“, “we“, “our“, or “us“).

Wesley Microfinance Bank Limited is a licensed Microfinance Bank incorporated in Nigeria and duly regulated by the Central Bank of Nigeria (CBN). The Bank is also an insured member of the Nigeria Deposit Insurance Corporation (NDIC) and operates in accordance with all applicable banking, financial services, consumer protection, anti-money laundering, and data protection laws of the Federal Republic of Nigeria.

The Wesley Mobile Application (“App”), our website, internet banking platforms, USSD services, APIs, customer support channels, and all related digital services are collectively referred to in this Privacy Policy as the “Services.”

At Wesley Microfinance Bank, protecting your privacy is one of our highest priorities. We understand that when you entrust us with your personal information, you expect us to protect it responsibly, securely, and transparently.

This Privacy Policy explains:

• What information we collect;
• Why we collect it;
• How we use it;
• Who we share it with;
• How we protect it;
• How long we retain it;
• Your rights regarding your information; and
• How you can contact us regarding privacy concerns.

This Privacy Policy applies to every individual who accesses or uses our Services, including prospective customers, account holders, loan applicants, borrowers, guarantors, business representatives, visitors to our websites, mobile application users, and any other person whose personal information is processed by Wesley Microfinance Bank Limited.

2. ABOUT WESLEY MICROFINANCE BANK LIMITED

Wesley Microfinance Bank Limited is a licensed financial institution providing banking and digital financial services within Nigeria.

Our services include, but are not limited to:

• Savings Accounts
• Current Accounts
• Fixed Deposits
• Digital Banking
• Salary Advance
• Personal Loans
• SME Loans
• Agency Banking
• Funds Transfer
• Bill Payments
• Financial Advisory Services
• Other banking products approved by the Central Bank of Nigeria.

Regulatory Status

Wesley Microfinance Bank Limited is:

• Licensed and regulated by the Central Bank of Nigeria (CBN)
• An insured member of the Nigeria Deposit Insurance Corporation (NDIC)
• Subject to applicable Nigerian banking laws and regulations
• Compliant with the Nigeria Data Protection Act (NDPA) 2023
• Compliant with applicable Anti-Money Laundering (AML), Counter-Terrorism Financing (CTF), and Know Your Customer (KYC) regulations.

Former Corporate Name

Wesley Microfinance Bank Limited was formerly known as City Mission Methodist Microfinance Bank Limited. The change of name was duly approved by the relevant regulatory authorities while maintaining its licensed banking operations.

3. OUR COMMITMENT TO PRIVACY

Privacy is fundamental to maintaining the trust of our customers.

We are committed to:

• Processing your personal information lawfully, fairly, and transparently;
• Collecting only information necessary for legitimate banking purposes;
• Keeping your information accurate and up to date;
• Protecting your information using appropriate technical, administrative, and organizational safeguards;
• Preventing unauthorized access, alteration, disclosure, or destruction of personal information;
• Respecting your privacy rights under applicable laws;
• Maintaining confidentiality in accordance with banking regulations.

4. SCOPE OF THIS POLICY

This Privacy Policy applies whenever you:

• Open an account with Wesley Microfinance Bank;
• Apply for a loan;
• Use our mobile application;
• Visit our website;
• Contact our customer support;
• Register for internet banking;
• Use USSD banking;
• Participate in promotions;
• Attend events organized by the Bank;
• Apply for employment;
• Visit our branches;
• Interact with us through social media;
• Communicate with us electronically or physically.

It also applies where we receive your personal information through:

• Employers
• Payment service providers
• Credit bureaus
• Regulatory agencies
• Government databases
• Identity verification providers
• Third-party service providers
• Business partners authorized to share such information.

5. LEGAL BASIS FOR PROCESSING YOUR PERSONAL INFORMATION

Wesley Microfinance Bank processes your personal information in accordance with the Nigeria Data Protection Act (NDPA) 2023 and other applicable laws.

Depending on the circumstances, we process your information based on one or more of the following legal grounds:

A. Performance of a Contract

We process your information where necessary to:

• Open your account;
• Provide banking services;
• Process loan applications;
• Disburse loans;
• Manage repayments;
• Provide customer support;
• Execute payment transactions.

B. Compliance with Legal Obligations

We process personal information where required by law, including compliance with:

• Central Bank of Nigeria Regulations;
• Nigeria Data Protection Act;
• Anti-Money Laundering laws;
• Counter-Terrorism Financing Regulations;
• Know Your Customer (KYC) Guidelines;
• Credit Risk Management System (CRMS);
• Tax laws;
• Court orders;
• Regulatory directives.

C. Legitimate Interests

We process information where necessary for our legitimate interests, including:

• Fraud prevention;
• Risk management;
• Credit assessment;
• Internal auditing;
• Service improvement;
• Cybersecurity;
• Debt recovery;
• Customer analytics.

D. Consent

Where required by law, we will obtain your consent before processing certain categories of information.

You may withdraw consent at any time where applicable.

6. INFORMATION WE COLLECT

The categories of information we collect include:

A. Personal Identification Information

This includes:

• Full Name
• Residential Address
• Postal Address
• Date of Birth
• Gender
• Nationality
• Marital Status
• Occupation
• Employer Information
• Passport Photograph
• Signature
• Telephone Number
• Email Address

B. Government-Issued Identification

We may collect:

• National Identification Number (NIN)
• Bank Verification Number (BVN)
• International Passport
• Driver’s License
• Permanent Voter’s Card
• Other government-approved identification.

C. Financial Information

Including:

• Bank Account Numbers
• Salary Information
• Employer Details
• Income Information
• Credit History
• Loan Repayment History
• Existing Financial Obligations
• Transaction Records
• Debit Card Information (where applicable)

D. Employment Information

Including:

• Employer Name
• Employment Status
• Staff ID
• Employment Duration
• Payroll Information
• Salary Payment History

E. Loan Information

When you apply for a loan, we may collect:

• Loan Amount Requested
• Loan Purpose
• Repayment Tenor
• Guarantor Information (where applicable)
• Collateral Information (where applicable)
• Supporting Financial Documents
• Credit Assessment Results
• Loan Performance Information

F. Device Information

When you use our App, we may automatically collect:

• Device Model
• Device Manufacturer
• Operating System
• Mobile Network
• App Version
• Device Language
• IP Address
• Device Identifier
• Crash Reports
• Performance Logs
• Security Information

This information helps us improve application performance, maintain security, detect fraud, and troubleshoot technical issues.

G. Location Information

Subject to your device permissions and applicable law, we may collect approximate or precise location information to:

• Prevent fraud;
• Verify transactions;
• Improve security;
• Meet regulatory obligations;
• Assist in customer verification.

You may disable location permissions through your device settings. However, doing so may affect certain Services.

H. Usage Information

We collect information regarding your interaction with our Services, including:

• Login timestamps
• Session duration
• Features accessed
• Transaction history
• Pages viewed
• Search history within the application
• Customer support interactions
• Error reports

I. Communications

We may retain records of communications between you and Wesley Microfinance Bank, including:

• Emails
• Telephone calls
• Chat messages
• Customer support tickets
• Feedback
• Surveys
• Complaint records

7. INFORMATION WE RECEIVE FROM THIRD PARTIES

To provide our banking and lending services responsibly, we may receive personal information about you from trusted third parties, including:

• Central Bank of Nigeria (CBN)
• Nigeria Inter-Bank Settlement System (NIBSS)
• Licensed Credit Bureaus
• Credit Risk Management System (CRMS)
• Identity verification providers
• Employers (where salary-backed lending is involved)
• Payroll service providers
• Payment processors
• Regulatory authorities
• Law enforcement agencies
• Insurance providers
• Business partners acting under contractual obligations

Information obtained from third parties is processed only where permitted by law and for legitimate banking, regulatory, or operational purposes.

8. HOW WE USE YOUR PERSONAL INFORMATION

Wesley Microfinance Bank Limited processes your personal information solely for lawful, legitimate, and transparent purposes necessary to provide banking services, comply with regulatory obligations, safeguard our customers, and improve our products and services.

The purposes for which we process your personal information include, but are not limited to, the following:

A. Account Opening and Customer Onboarding

We use your personal information to:

• Verify your identity;
• Create and manage your customer profile;
• Open and maintain your bank accounts;
• Complete Know Your Customer (KYC) requirements;
• Verify your Bank Verification Number (BVN) and National Identification Number (NIN);
• Validate your identity against government-approved databases;
• Prevent duplicate customer records;
• Assess your eligibility for banking products.

B. Loan Application and Credit Assessment

Where you apply for a loan through our mobile application, website, USSD platform, branch, or any other digital channel, we process your personal information to:

• Receive and process your loan application;
• Determine your eligibility for available loan products;
• Assess your creditworthiness;
• Evaluate your income and repayment capacity;
• Verify your employment details;
• Assess financial risks;
• Conduct affordability assessments;
• Perform internal credit scoring;
• Determine loan limits;
• Detect potential fraud;
• Make lending decisions.

Loan approvals are subject to Wesley Microfinance Bank’s internal credit policies and applicable regulatory requirements.

Submission of a loan application does not guarantee loan approval.

C. Loan Administration

Following approval of a loan facility, we process your information to:

• Disburse approved loans;
• Monitor repayment schedules;
• Process loan repayments;
• Calculate applicable interest and fees;
• Send repayment reminders;
• Process early repayments;
• Restructure facilities where applicable;
• Monitor loan performance;
• Recover overdue obligations in accordance with applicable laws.

D. Salary Advance and Payroll Lending

Where a loan product is linked to your salary or employment, we may process information relating to:

• Employer verification;
• Salary payment records;
• Payroll information;
• Employment confirmation;
• Salary domiciliation;
• Payroll remittance;
• Employer communications where authorized by law or your contractual agreement.

E. Regulatory Compliance

As a regulated financial institution, Wesley Microfinance Bank is legally required to process personal information to comply with applicable laws and directives issued by regulatory authorities.

These include compliance with:

• Central Bank of Nigeria (CBN) regulations;
• Nigeria Deposit Insurance Corporation (NDIC) requirements;
• Nigeria Data Protection Act (NDPA) 2023;
• Money Laundering (Prevention and Prohibition) Act;
• Terrorism (Prevention and Prohibition) Act;
• Banks and Other Financial Institutions Act (BOFIA);
• CBN Consumer Protection Framework;
• Applicable tax laws;
• Court orders;
• Regulatory investigations.

F. Fraud Prevention and Security

We process your information to:

• Detect suspicious transactions;
• Prevent identity theft;
• Prevent account takeover;
• Prevent unauthorized access;
• Detect financial crimes;
• Monitor unusual transaction patterns;
• Prevent money laundering;
• Prevent terrorist financing;
• Protect our customers;
• Protect Wesley Microfinance Bank.

Where necessary, automated fraud detection systems may be used to identify potentially suspicious activities.

G. Customer Service

We process your information to:

• Respond to enquiries;
• Investigate complaints;
• Resolve disputes;
• Provide technical support;
• Improve customer experience;
• Verify your identity before providing account assistance.

Customer interactions may be monitored or recorded for quality assurance, security, staff training, and dispute resolution purposes.

H. Product Development

We may analyze customer information to:

• Improve our products;
• Develop new banking services;
• Improve mobile application performance;
• Improve website functionality;
• Enhance customer experience;
• Conduct internal research.

Where possible, anonymized or aggregated information will be used for statistical and analytical purposes.

9. AUTOMATED DECISION MAKING

Some lending decisions may involve automated processing and internal credit scoring models.

These systems may evaluate information such as:

• Income;
• Employment status;
• Existing obligations;
• Repayment history;
• Transaction history;
• Credit bureau information;
• Internal risk indicators.

Automated processing assists Wesley Microfinance Bank in making consistent and efficient lending decisions.

Where required by applicable law, customers may request additional information regarding automated decisions affecting them.

10. CREDIT BUREAU REPORTING

By applying for banking or lending services with Wesley Microfinance Bank, you acknowledge that the Bank may obtain, verify, process, and report information concerning your credit obligations in accordance with applicable Nigerian laws.

Where permitted by law, we may:

• Obtain credit reports from licensed Credit Bureaus;
• Verify your repayment history;
• Report loan performance;
• Report defaults;
• Update repayment records;
• Report settled obligations.

Credit reporting assists financial institutions in responsible lending and helps maintain the integrity of Nigeria’s financial system.

11. CBN CREDIT RISK MANAGEMENT SYSTEM (CRMS)

In accordance with applicable regulations of the Central Bank of Nigeria, Wesley Microfinance Bank may submit information relating to your borrowing obligations to the Credit Risk Management System (CRMS).

Where legally permitted, this may include:

• Outstanding loans;
• Repayment status;
• Defaults;
• Settled facilities;
• Loan restructuring;
• Credit exposure.

The Bank may also obtain information from CRMS to assess lending decisions.

12. INFORMATION WE SHARE

We treat your personal information as confidential.

However, we may disclose your information where necessary for lawful banking operations.

Information may be shared with:

Regulatory Authorities

Including:

• Central Bank of Nigeria (CBN)
• Nigeria Deposit Insurance Corporation (NDIC)
• Nigeria Financial Intelligence Unit (NFIU)
• Economic and Financial Crimes Commission (EFCC)
• Independent Corrupt Practices Commission (ICPC)
• Nigeria Data Protection Commission (NDPC)
• Law enforcement agencies
• Courts and tribunals

where disclosure is required by law.

Credit Bureaus

Licensed Credit Bureaus may receive information concerning:

• Loan applications;
• Loan approvals;
• Repayment performance;
• Defaults;
• Outstanding obligations.

Payment Service Providers

To process:

• Transfers;
• Debit transactions;
• Salary payments;
• Bill payments;
• Card transactions;
• Loan disbursements.

Identity Verification Providers

To verify:

• NIN;
• BVN;
• Government-issued identification;
• Facial verification;
• Liveness detection;
• Address verification.

Employers

Where a loan product requires salary verification or salary domiciliation, and where authorized by applicable law or contractual agreement, we may communicate with your employer regarding:

• Employment confirmation;
• Salary verification;
• Payroll processing;
• Loan deductions.

Insurance Providers

Where loan insurance applies, limited information may be shared with approved insurance providers to:

• Process insurance premiums;
• Verify claims;
• Manage insured lending products.

Technology Service Providers

We engage carefully selected technology providers who assist us in delivering secure banking services.

These providers may process information relating to:

• Cloud hosting;
• Cybersecurity;
• Application monitoring;
• Fraud prevention;
• SMS delivery;
• Email delivery;
• Customer support platforms;
• Payment infrastructure.

Such providers are contractually required to maintain appropriate confidentiality and security standards.

Professional Advisers

Where necessary, information may be shared with:

• Auditors;
• External legal advisers;
• Compliance consultants;
• Regulators;
• Independent investigators.

Business Transfers

If Wesley Microfinance Bank undergoes:

• Merger;
• Acquisition;
• Corporate restructuring;
• Sale of assets;

customer information may be transferred subject to applicable laws and continued protection of customer privacy.

13. INTERNATIONAL DATA TRANSFERS

Certain technology providers engaged by Wesley Microfinance Bank may process personal information outside Nigeria.

Where personal information is transferred internationally, the Bank shall ensure that appropriate safeguards are implemented, including:

• Compliance with the Nigeria Data Protection Act (NDPA) 2023;
• Contractual safeguards;
• Security assessments;
• Approved data protection mechanisms;
• Adequate protection standards consistent with applicable law.

14. DATA RETENTION

Wesley Microfinance Bank retains personal information only for as long as necessary to:

• Provide banking services;
• Maintain customer accounts;
• Administer loans;
• Meet legal obligations;
• Resolve disputes;
• Prevent fraud;
• Enforce contractual rights;
• Comply with regulatory retention requirements.

Retention periods may vary depending on:

• The nature of the product or service;
• Applicable banking regulations;
• Tax obligations;
• Litigation requirements;
• Regulatory investigations.

Where retention is no longer necessary, personal information will be securely deleted, anonymized, or destroyed using appropriate methods.

15. COOKIES AND SIMILAR TECHNOLOGIES

When you visit our website or use certain features of our digital services, Wesley Microfinance Bank may use cookies and similar technologies to improve your experience, maintain security, and better understand how our Services are used.

Cookies are small text files stored on your device that enable websites and applications to recognize your browser or device.

We may use cookies for the following purposes:

Essential Cookies

These cookies are necessary for:

• Secure authentication
• Session management
• Fraud prevention
• Website functionality
• Maintaining user preferences

These cookies cannot be disabled because they are required for the operation of our Services.

Performance Cookies

These cookies help us understand:

• Pages visited
• Time spent on pages
• Navigation patterns
• Error reports
• Application performance
• System reliability

This information is aggregated and does not directly identify individual users.

Functional Cookies

Functional cookies help us remember:

• Preferred language
• Accessibility settings
• Previously entered information
• Device preferences
• Banking preferences

Analytics Technologies

We may use approved analytics services to understand:

• Application performance
• Crash reports
• Feature usage
• Customer engagement
• User experience improvements

Analytics information is used solely to improve our Services.

Managing Cookies

You may control cookies through your browser or device settings.

Please note that disabling certain cookies may affect the functionality of our website or digital banking services.

16. INFORMATION SECURITY

Protecting customer information is one of our highest priorities.

Wesley Microfinance Bank implements administrative, technical, organizational, and physical safeguards designed to protect personal information from:

• Unauthorized access
• Unauthorized disclosure
• Alteration
• Destruction
• Loss
• Theft
• Misuse
• Cyber attacks

Our security controls include, where appropriate:

• Data encryption in transit and at rest
• Multi-factor authentication
• Secure Socket Layer (SSL) technologies
• Firewalls
• Intrusion detection systems
• Continuous security monitoring
• Access control policies
• Role-based permissions
• Security audits
• Vulnerability assessments
• Penetration testing
• Backup and disaster recovery procedures
• Employee confidentiality obligations
• Security awareness training

Although we employ robust security measures, no electronic system or method of transmission over the Internet can be guaranteed to be completely secure. We therefore encourage customers to take reasonable precautions to protect their account credentials, passwords, one-time passwords (OTPs), PINs, and mobile devices.

If you believe your account or personal information has been compromised, please notify us immediately using the contact information provided in this Policy.

17. YOUR PRIVACY RIGHTS

Subject to applicable laws and regulatory obligations, you have certain rights regarding your personal information.

These rights include:

Right to Information

You have the right to know:

• What personal information we collect;
• Why we collect it;
• How it is used;
• Who it is shared with;
• How long it is retained.

Right of Access

You may request confirmation of whether Wesley Microfinance Bank processes your personal information and request access to such information, subject to applicable legal limitations.

Right to Rectification

If you believe any personal information we hold is inaccurate, incomplete, or outdated, you may request correction or updating of that information.

Certain changes may require documentary evidence to verify the requested correction.

Right to Erasure

Where permitted by applicable law, you may request the deletion of your personal information.

However, Wesley Microfinance Bank may retain information where required to:

• Comply with legal obligations;
• Meet regulatory requirements;
• Prevent fraud;
• Resolve disputes;
• Enforce contractual rights;
• Complete ongoing banking transactions.

Right to Restrict Processing

You may request that we temporarily restrict certain processing activities under circumstances permitted by applicable law.

Right to Object

Where processing is based on our legitimate interests, you may object to such processing where permitted by law.

We will consider such requests in accordance with applicable legal and regulatory requirements.

Right to Withdraw Consent

Where processing is based solely on your consent, you may withdraw that consent at any time.

Withdrawal of consent does not affect processing carried out before such withdrawal and may affect our ability to provide certain products or services.

Right to Data Portability

Where applicable, you may request that personal information you provided to Wesley Microfinance Bank be transferred to another organization in a structured, commonly used, and machine-readable format.

Right to Lodge a Complaint

If you believe your privacy rights have been violated, you may contact our Data Protection Officer.

You may also lodge a complaint with the Nigeria Data Protection Commission (NDPC) or any other competent regulatory authority.

18. CONFIDENTIALITY OF BANKING INFORMATION

As a licensed financial institution, Wesley Microfinance Bank maintains strict confidentiality obligations concerning customer information.

Your personal and financial information will not be disclosed except:

• With your consent;
• Where required by law;
• Pursuant to a court order;
• At the request of a competent regulatory authority;
• To prevent fraud or financial crime;
• To protect the rights of the Bank;
• As otherwise permitted under applicable banking regulations.

All employees, contractors, consultants, and service providers who have access to customer information are required to maintain strict confidentiality and are subject to contractual and regulatory obligations.

19. CHILDREN’S PRIVACY

Our Services are intended for individuals who are legally eligible to enter into banking relationships under applicable Nigerian laws.

We do not knowingly collect personal information directly from children without appropriate legal authorization.

Where we become aware that personal information has been collected from a child contrary to applicable laws, we will take reasonable steps to delete such information unless retention is required by law.

20. THIRD-PARTY WEBSITES AND SERVICES

Our website or mobile application may contain links to third-party websites or services for your convenience.

These third-party platforms operate independently of Wesley Microfinance Bank.

We are not responsible for:

• Their privacy practices;
• Their content;
• Their security measures;
• Their collection or processing of personal information.

We encourage users to review the privacy policies of any third-party websites before providing personal information.

21. MARKETING COMMUNICATIONS

From time to time, Wesley Microfinance Bank may send information relating to:

• Banking products;
• Loan products;
• Financial education;
• Promotions;
• Service updates;
• Security alerts;
• Customer surveys.

Where required by law, we will obtain your consent before sending promotional communications.

You may opt out of marketing communications at any time by following the unsubscribe instructions in the communication or by contacting us directly.

Please note that even if you opt out of promotional communications, we may still send important service-related notifications, including:

• Security alerts;
• Transaction notifications;
• Regulatory notices;
• Loan repayment reminders;
• Account updates.

22. RESPONSIBLE DIGITAL LENDING

Wesley Microfinance Bank is committed to responsible lending practices.

When processing loan applications, we seek to:

• Assess affordability;
• Verify customer identity;
• Prevent over-indebtedness;
• Promote responsible borrowing;
• Protect customer privacy;
• Comply with applicable lending regulations.

Loan approvals are based on our internal credit assessment policies and applicable regulatory requirements.

Customers are encouraged to carefully review all loan terms, interest rates, repayment schedules, fees, and conditions before accepting any loan offer.

23. DATA BREACH NOTIFICATION

If Wesley Microfinance Bank becomes aware of a personal data breach that is likely to result in a risk to the rights and freedoms of individuals, we will respond promptly in accordance with applicable laws and regulatory requirements.

Our response may include:

• Investigating the incident;
• Containing the breach;
• Assessing the impact;
• Notifying affected individuals where required;
• Reporting to the Nigeria Data Protection Commission (NDPC) and other relevant regulators where legally required;
• Implementing corrective measures to prevent recurrence.

24. CHANGES TO THIS PRIVACY POLICY

Wesley Microfinance Bank may amend this Privacy Policy from time to time to reflect:

• Changes in applicable laws;
• Regulatory requirements;
• New banking products;
• Changes in technology;
• Operational improvements;
• Security enhancements.

The revised Privacy Policy will be published on our official website and, where appropriate, within our mobile application.

The “Last Updated” date at the beginning of this Policy will indicate when changes were made.

Where required by law, we will notify customers of material changes before they become effective.

25. CONTACT US

If you have any questions, concerns, requests, or complaints regarding this Privacy Policy or the processing of your personal information, please contact:

Data Protection Officer (DPO)
Wesley Microfinance Bank Limited

Email: dpo@wesleymfb.com

Customer Support: support@wesleymfb.com

Website: https://www.wesleymfb.com

Head Office:
Wesley House
21/22, Marina, Lagos Island,
Lagos State,
Nigeria.

Telephone:
+234-813-420-2196
+234-803-806-6218

Where your concern is not satisfactorily resolved, you may contact the Nigeria Data Protection Commission (NDPC) or any other competent regulatory authority.

26. REGULATORY DISCLOSURE

Wesley Microfinance Bank Limited is a licensed Microfinance Bank authorized to provide banking and digital lending services in Nigeria.

The Bank is:

• Licensed and regulated by the Central Bank of Nigeria (CBN).
• An insured member of the Nigeria Deposit Insurance Corporation (NDIC).
• Subject to applicable banking, consumer protection, anti-money laundering, counter-terrorism financing, and data protection laws of the Federal Republic of Nigeria.

 

Former Corporate Name:

Wesley Microfinance Bank Limited was formerly known as City Mission Methodist Microfinance Bank Limited. The change of name was duly approved by the relevant regulatory authorities and does not affect the Bank’s regulatory status, licensing, or continuity of operations.

27. ACKNOWLEDGEMENT

By accessing or using the Wesley Microfinance Bank website, mobile application, or any of our banking services, you acknowledge that you have read, understood, and agreed to this Privacy Policy.

Where consent is required under applicable law, your continued use of our Services after being presented with this Privacy Policy constitutes your consent to the collection, use, disclosure, and processing of your personal information in accordance with this Privacy Policy and applicable laws.