Cookie Policy — ValuePay MFB

12.1 What cookies are

Cookies are small text files placed on your device by a website. We use cookies and similar technologies (such as web beacons, pixels, and local storage) on www.valuepaymfb.com to make the website work, to remember your preferences, to measure how it is used, and (with your consent) to support marketing.

12.2 Categories of cookies we use

Strictly necessary — required for the website to function (security, session management, load balancing). These cannot be disabled.
Functional — remember your preferences such as language or display settings.
Analytics — help us understand how the website is used, in aggregate.
Marketing — placed only with your consent, used to measure the effectiveness of campaigns.

12.3 Your choices

You can accept, reject, or fine-tune your cookie preferences through the cookie banner presented on first visit, and at any time thereafter through the cookie-preferences link in the website footer. You can also block or delete cookies through your browser settings.

12.4 Third parties

Where third-party cookies are used (for example, by analytics or marketing providers), we disclose the provider, the purpose, and the retention period in the cookie banner. Third parties are bound by written agreements that restrict the use of any data collected through cookies on our sites.

ValuePay Microfinance Bank Limited has received Approval-in-Principle from the Central Bank of Nigeria (ref. FPR/LAD/CON/MFB/015/047 dated 17 March 2026). The Bank shall not commence banking business until the grant of a final licence.