ATCL SACCOS LTD is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or use our services. By using our services, you agree to the practices outlined in this policy.
1. Information We Collect
We collect personal information that you provide to us when you use our website or become a member of our cooperative society. The types of information we may collect include:
- Personal Identification Information: Name, address, phone number, email address, date
of birth, and national ID/passport number. - Financial Information: Bank account details, income details, transaction history, loan
application details, and payment information. - Membership Information: Membership status, account number, deposits, loan
information, and credit history. - Usage Data: Information about how you access and interact with our website, including
IP address, browser type, device information, and pages visited.
2. How We Use Your Information
We use the information we collect for the following purposes:
- To Provide Services: To process your membership application, loan applications, account management, and transactions.
- Communication: To send you important notices, updates about your account, and promotional communications (if you’ve opted in).
- Improvement of Services: To understand how our members use our services and website, so we can enhance functionality and user experience.
- Legal and Regulatory Compliance: To comply with financial regulations, anti-money laundering laws, and other legal obligations.
- Security and Fraud Prevention: To monitor and protect the security of our website and the integrity of financial transactions.
3. How We Protect Your Information
We are committed to protecting your personal and financial information from unauthorized access, alteration, disclosure, or destruction. We employ a range of physical, technical, and administrative security measures, including encryption technologies, secure servers, and restricted access to your data.
However, please note that no security system is 100% secure. We cannot guarantee the absolute security of your data but strive to protect it to the highest standards.
4. Sharing Your Information
We do not sell, rent, or lease your personal information to third parties. We may, however, share your information in the following cases:
- With Service Providers: We may share your data with trusted third-party service
providers who help us operate our services (e.g., payment processors, IT services, and customer support). - With Legal Authorities: In cases where required by law, we may disclose your information to comply with legal obligations, regulatory authorities, or in response to legal processes (e.g., a court order or subpoena).
- With Partners: We may share data with selected partners for joint marketing efforts, if you have provided consent.
5. Cookies and Tracking Technologies
We may use cookies and other tracking technologies to enhance your experience on our website. Cookies are small text files stored on your device to help us recognize you when you return to our site. You can manage your cookie preferences through your browser settings, though disabling cookies may affect your ability to use certain features of our website.
6. Your Rights and Choices
As a member or visitor to our website, you have certain rights regarding your personal data:
- Access and Update: You can request to access, correct, or update the personal information we hold about you.
- Opt-Out: If you receive promotional communications from us, you may opt-out by following the unsubscribe instructions in the email or by contacting us directly.
- Data Deletion: You may request the deletion of your personal data, subject to any legal or contractual obligations we may have to retain certain information.
- Data Portability: You have the right to request a copy of your personal information in a structured, commonly used format.
To exercise any of these rights, please contact us at customer.care@atclsaccos.co.tz
7. Third-Party Links
Our website may contain links to external websites that are not operated by us. We are not responsible for the content or privacy practices of third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.
8. Children’s Privacy
Our services are not intended for individuals under the age of 18, and we do not knowingly collect personal information from children. If you are a parent or guardian and believe we have collected personal information from a child, please contact us so we can delete such data.
9. Changes to This Privacy Policy
We reserve the right to update or modify this Privacy Policy at any time. Any changes will be posted on this page with an updated effective date. Please review this Privacy Policy periodically to stay informed about how we are protecting your information.
10. Contact Us
If you have any questions, concerns, or requests regarding your personal data or this Privacy Policy, please contact us at customer.care@atclsaccos.co.tz