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Privacy Policy

CTS SACCO (“we,” “our,” or “us”) values the privacy of our users (“you” or “your”). This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our mobile application (the “App”), available on [Google Play Store / Apple App Store] or through other platforms.

By accessing or using the App, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with the terms, please do not use the App.

1. Information We Collect

We collect the following types of information to provide and improve our services:

1.1 Personal Information

When you sign up for the App, we may collect personal information such as:

  • Full Name
  • Email Address
  • Phone Number
  • Date of Birth
  • ID or Passport Number (for KYC purposes)
  • Postal Address

1.2 Financial Information

To facilitate transactions, we collect financial information such as:

  • Bank Account Details (for linking to your SACCO account)
  • Savings and Loan Account Information
  • Transaction History (e.g., deposits, withdrawals, loans)

1.3 Device Information

We may collect information about the device you use to access the App, including:

  • Device Type and Model
  • Operating System Version
  • App Usage Data (e.g., crash reports, log data)
  • IP Address and Mobile Carrier

1.4 Geolocation Information

With your consent, we may collect your geolocation data to provide location-based services, such as finding the nearest SACCO branches or ATMs.

1.5 Cookies and Tracking Technologies

We may use cookies and similar tracking technologies to monitor app activity and enhance your experience. Cookies help us improve app functionality, such as remembering your preferences.

2. How we use your information

We use the information we collect for the following purposes:

  • To provide and maintain our services: Including processing transactions, managing accounts, and facilitating loan and savings operations.
  • To personalize your experience: Tailoring the content and features based on your preferences.
  • To communicate with you: Sending transaction updates, notifications, and marketing communications (with your consent).
  • To comply with legal obligations: For example, verifying your identity for KYC (Know Your Customer) purposes and complying with financial regulations.
  • To improve the App: Analyzing app usage to enhance features and functionality.

3. How do we share your information

We use the information we collect for the following purposes:

  • To provide and maintain our services: Including processing transactions, managing accounts, and facilitating loan and savings operations.
  • To personalize your experience: Tailoring the content and features based on your preferences.
  • To communicate with you: Sending transaction updates, notifications, and marketing communications (with your consent).
  • To comply with legal obligations: For example, verifying your identity for KYC (Know Your Customer) purposes and complying with financial regulations.
  • To improve the App: Analyzing app usage to enhance features and functionality.

4. Data Recovery

We retain your personal and financial information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. When your information is no longer required, we will securely delete or anonymize it.

5. Data Security

We use industry-standard security measures to protect your data, including encryption, secure servers, and firewalls. However, no method of data transmission over the internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

6. Your Data Protection Rights

Depending on your location, you may have the following rights regarding your personal data:

  • Access: You can request a copy of the personal data we hold about you.
  • Correction: You can request that we correct any inaccuracies in your personal information.
  • Deletion: You can request that we delete your personal data, subject to legal obligations.
  • Object to Processing: You can object to the processing of your personal data under certain circumstances.
  • Withdraw Consent: If we rely on your consent to process your data, you can withdraw your consent at any time.

To exercise these rights, please contact us at CTSsacco@gmail.com.

7. Third Party Links

Our App may contain links to third-party websites or services that are not operated by us. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review their privacy policies before providing any personal information.

8. Children's Privacy

Our services are not intended for individuals under the age of 18, and we do not knowingly collect personal data from children. If we become aware that we have collected personal information from a child, we will take steps to delete it immediately.

9. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will post the updated policy in the App and update the "Effective Date" at the top of this page. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your data.

10. Contact Us

If you have any questions or concerns about this Privacy Policy, or if you wish to exercise your data protection rights, please contact us at:

Email:info@ctssacco.com

Phone: 0758 666 555

Physical Address: Viewpark Towers, 14th Floor, Utalii Lane, Off Monrovia Street

By using the App, you consent to the collection and use of your personal information as described in this Privacy Policy.

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