Privacy Policy
We are committed to protecting your privacy and ensuring the security of your personal information. This policy explains how we collect, use, and safeguard your data.
Introduction
NtaLCCUL (Ntahnkah Legacy Cooperative Credit Union Limited) is committed to protecting your privacy and maintaining the confidentiality of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.
By using our services you're tacitly agreeing to our terms and conditions.
Information We Collect
Personal Information
We collect personal information that you provide directly to us, including:
- Name, address, and contact information
- Date of birth and identification documents
- Financial information and employment details
- Account credentials and transaction history
- Communication preferences and feedback
Automatically Collected Information
When you use our digital services, we may automatically collect:
- Device information and IP addresses
- Usage patterns and preferences
- Cookies and similar technologies
- Log files and analytics data
Third-Party Information
We may receive information from third parties, including:
- Credit bureaus and financial institutions
- Government agencies and regulatory bodies
- Service providers and business partners
- Public records and databases
How We Use Your Information
We use the information we collect for various purposes, including:
- Providing and maintaining our financial services
- Processing transactions and managing accounts
- Assessing loan applications and creditworthiness
- Communicating with you about our services
- Improving our services and user experience
- Complying with legal and regulatory requirements
- Preventing fraud and ensuring security
- Conducting research and analytics
Information Sharing and Disclosure
We Do Not Sell Your Information
NtaLCCUL does not sell, rent, or trade your personal information to third parties for marketing purposes.
Sharing with Your Consent
We may share your information with third parties when you provide explicit consent or when required for specific services.
Legal Requirements
We may disclose your information when required by law, regulation, or legal process, or to protect our rights and the rights of others.
Service Providers
We may share information with trusted service providers who assist us in operating our business and providing services to you.
Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.
Data Security
Security Measures
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.
Access Controls
We limit access to your personal information to authorized employees, agents, and service providers who need to know the information to perform their duties.
Encryption
We use industry-standard encryption technologies to protect sensitive information during transmission and storage.
Regular Monitoring
We regularly monitor our systems for potential vulnerabilities and security threats, and we update our security measures as necessary.
Data Retention
We retain your personal information for as long as necessary to:
- Provide our services and maintain your accounts
- Comply with legal and regulatory requirements
- Resolve disputes and enforce our agreements
- Protect against fraud and security threats
When we no longer need your information, we will securely delete or anonymize it in accordance with our data retention policies.
Your Rights and Choices
Access and Update
You have the right to access, review, and update your personal information. You can do this by contacting us or through your online account.
Correction
If you believe your personal information is inaccurate or incomplete, you can request that we correct or update it.
Deletion
You may request deletion of your personal information, subject to legal and regulatory requirements and our legitimate business needs.
Marketing Communications
You can opt out of marketing communications at any time by following the unsubscribe instructions in our emails or contacting us directly.
Cookies and Tracking
You can control cookies and tracking technologies through your browser settings and our cookie consent management tools.
International Data Transfers
Your personal information is primarily processed and stored in Cameroon. However, some of our service providers may be located in other countries.
When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your data in accordance with applicable privacy laws.
Children's Privacy
Our services are not intended for children under the age of 18. We do not knowingly collect personal information from children under 18.
If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors.
When we make material changes, we will notify you through our website, email, or other appropriate means. Your continued use of our services after changes are posted constitutes acceptance of the updated policy.
Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:
Privacy Officer
NtaLCCUL
Small Mankon, Bamenda
Northwest Region, Cameroon
Email: ntalccul2024@gmail.com
Phone: +237 675 431 593
This Privacy Policy is effective as of December 1, 2024, and will remain in effect until modified or replaced.
This Privacy Policy is effective as of December 1, 2024, and will remain in effect until modified or replaced.