1. Executive Overview

This Cookies Policy explains how Cooperative Mortgage Bank Plc (“CMB”, “We”, “Us”) uses cookies, tracking pixels, and web beacons when you visit our official website (www.cmbankng.com) and secure online portals. This document complements our Website Privacy Policy and provides explicit guidance on how you can control your cookie preferences in compliance with the Nigeria Data Protection Act (NDPA) 2023.

2. What Are Cookies?

Cookies are small text files placed on your computer, smartphone, or tablet when you visit a website. They are widely used to ensure website functionality, improve navigation efficiency, remember preferences, and provide analytical data to website administrators.

3. Categorization of Cookies We Use

Cooperative Mortgage Bank uses four primary categories of cookies on its website:

Cookie Category	Purpose & Functionality	Legal Basis & Consent
Strictly Necessary Cookies	Essential for website navigation, user session authentication, and secure login to mortgage internet banking portals. Disabling these prevents site operation.	Legitimate Interest / Essential Requirement (No consent needed)
Performance & Analytical Cookies	Collect aggregated, anonymous statistics on how visitors interact with our site (e.g., page visit frequency, mortgage calculator usage) to optimize performance.	User Consent
Functional Cookies	Remember choices you make (such as language preference or saved loan criteria) to provide enhanced, personalized features.	User Consent
Targeting / Marketing Cookies	Used to deliver relevant information about mortgage products and tailored promotional offers based on browsing interest.	Explicit User Consent

 

4. Third-Party Cookies & Analytics

We may utilize reputable third-party analytics services (such as Google Analytics) to help us analyze how users engage with our platform. These third parties may set cookies on your device to collect anonymous metrics. Cooperative Mortgage Bank does not permit third parties to collect personally identifiable financial information through website tracking.

5. Cookie Preference Management

You have full control over cookie settings when accessing our website:

• Cookie Consent Banner: Upon your first visit, a cookie consent banner allows you to accept all cookies, customize non-essential cookie preferences, or reject non-essential cookies.
• Browser Settings: You can configure your internet browser (Google Chrome, Microsoft Edge, Mozilla Firefox, Apple Safari) to block, reject, or alert you when cookies are being set. Please note that blocking Strictly Necessary cookies may impact the functionality of online banking services.

6. Updates & Inquiries

Cooperative Mortgage Bank reserves the right to update this Cookies Policy periodically to reflect technological changes or legal requirements. For inquiries regarding our cookie management framework, please contact our Compliance Team at compliance@cmbankng.com.