Privacy Policy

Last Updated: July 29, 2026

1. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register for membership
• Complete application forms
• Subscribe to our newsletter
• Contact us through our website
• Participate in our savings programmes
• Use any of our financial services

This information may include your name, email address, phone number, residential address, date of birth, government-issued identification numbers, financial information, and employment details.

Automatically Collected Information

When you visit our website, we may automatically collect certain information, including your IP address, browser type, operating system, referring URLs, and browsing behaviour through cookies and similar technologies.

2. How We Use Your Information

We use the collected information for the following purposes:

• To process your membership registration and manage your account
• To administer your savings plans and provide financial services
• To communicate with you about your account, transactions, and updates
• To improve our website, services, and member experience
• To comply with legal and regulatory obligations
• To detect and prevent fraud or unauthorised activities
• To send you relevant information about our products, services, and events

3. Data Protection and Security

We implement appropriate technical and organisational measures to protect your personal information from unauthorised access, alteration, disclosure, or destruction. These measures include:

• Secure servers and encrypted data transmission
• Access controls and authentication protocols
• Regular security audits and vulnerability assessments
• Staff training on data protection and confidentiality
• Strict internal policies governing data handling and access

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• With your explicit consent
• With service providers who assist us in operating our business (e.g., payment processors, IT service providers)
• When required by law, regulation, or legal process
• To protect our rights, property, or safety, or that of our members
• In connection with a merger, acquisition, or sale of assets (with notice to members)

5. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyse website traffic, and understand where our visitors come from. You can control cookie preferences through your browser settings. Please note that disabling cookies may affect certain features of our website.

6. Your Rights

As a member and data subject, you have the following rights:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to legal retention requirements
• Restriction: Request restriction of processing your information
• Portability: Request transfer of your information to another service provider
• Objection: Object to the processing of your information for certain purposes

7. Data Retention

We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, including legal, accounting, and reporting requirements. When your information is no longer needed, we will securely delete or anonymise it.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify members of any material changes through our website and, where appropriate, via email. Your continued use of our services after changes take effect constitutes your acceptance of the updated policy.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: