Privacy Policy

1. Introduction

Golden Co-operative Credit Union ("Golden CCU", "we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our website, services, or become a member.

2. Information We Collect

We collect information you provide directly to us, including:

• Personal Information: Name, email address, phone number, physical address, date of birth, National ID number
• Financial Information: Income details, employment information, bank account details
• Account Information: Membership details, transaction history, loan and savings account information
• Communication Data: Messages you send us, feedback, and support requests

We also automatically collect certain information when you visit our website, including IP address, browser type, pages viewed, and referring website.

3. How We Use Your Information

We use your personal information to:

• Process membership applications and manage your account
• Provide loans, savings, and other financial services
• Communicate with you about your account and our services
• Comply with legal and regulatory requirements
• Prevent fraud and enhance security
• Improve our services and website
• Send marketing communications (with your consent)

4. Information Sharing

We do not sell your personal information. We may share your information with:

• Service Providers: Third parties who help us operate our business (e.g., IT providers, auditors)
• Regulatory Bodies: As required by law or to comply with regulatory requirements
• Credit Bureaus: For loan applications and credit assessments
• Legal Authorities: When required by law or to protect our rights

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These include:

• Secure servers and encrypted data transmission (SSL/TLS)
• Access controls and authentication measures
• Regular security assessments
• Staff training on data protection

6. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Member records are retained for at least 7 years after account closure, in accordance with regulatory requirements.

7. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate data
• Request deletion of your data (subject to legal requirements)
• Object to processing for marketing purposes
• Withdraw consent where applicable

To exercise these rights, please contact us using the details below.

8. Cookies

Our website uses cookies to enhance your experience. Cookies are small text files stored on your device. We use:

• Essential cookies: Required for website functionality
• Analytics cookies: To understand how visitors use our site (Google Analytics)

You can manage cookie preferences through your browser settings.

9. Third-Party Links

Our website may contain links to third-party sites. We are not responsible for the privacy practices of these sites. We encourage you to read their privacy policies.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting a notice on our website or contacting you directly.

11. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us:

• Email: info@golden-ccu.com
• Phone: +230 5798 7127
• Address: Royal Road, Cluny, Mauritius