Our Data Privacy Policy

Who we are

Delcue Sacco (“we”, “us”, or “our”) is a Sacco regulated by SASRA to offer financial services. Our website address is: www.delcuesacco.co.ke  website, which provides information about our services.

Information We Collect

When you use our Service, we may ask you to provide personally identifiable information (“Personal Data”) such as:

• Names
• ID/Passport Number
• Date of Birth
• Gender
• Marital Status
• Biometric Data
• Property Details
• Postal Address
• Telephone Number

We may use your Personal Data to contact you with newsletters, marketing materials, and promotional information. You can opt out of receiving such communications by following the unsubscribe instructions in the emails we send.

Our Commitment to Data Privacy

We take the responsibility of managing our stakeholders’ data very seriously. This policy explains how we collect, use, and disclose personal data when you use our services. It also outlines your rights and choices regarding your data.

By using our Services, you agree to the collection and use of information as described in this policy. Unless otherwise stated, terms in this policy have the same meanings as in our Terms and Conditions.

How We Use Your Data

We collect and process your data for the following purposes:

• Service Delivery: To provide and maintain our services.
• Communication: To notify you of changes to our services.
• Member Interaction: To enable participation in interactive features.
• Support: To provide member support.
• Service Improvement: To gather feedback and improve our services.
• Monitoring: To monitor and detect issues related to the Service.
• Marketing: To provide information about similar goods and services unless you opt out.

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymised string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service Privacy Policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

If you leave a comment on our site you may opt in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Disclosure of Personal Data

We may disclose your Personal Data in good faith if such action is necessary to:

• Comply with legal obligations.
• Protect and defend the rights or property of Delcue Sacco.
• Investigate or prevent potential wrongdoing.
• Protect the safety of users or the public.
• Defend against legal liability.

We may ask for verification of your identity before processing such requests.

Where your data is sent

Visitor comments may be checked through an automated spam detection service.

Data Retention

We retain your Personal Data only for as long as necessary to fulfill the purposes outlined in this policy. This may include compliance with legal obligations, dispute resolution, and enforcing our legal agreements and policies.

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognise and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

If you request a password reset, your IP address will be included in the reset email.

Your Rights as a Data Subject

As outlined in the Data Protection Act No. 24 of 2019, you have the following rights:

• Right to Be Informed: Know how we use your data.
• Right to Access: Request access to your data.
• Right to Rectification: Correct or delete misleading or inaccurate information.
• Right to Object: Object to how we process your data.
• Right to Restriction: Request that we limit how we process your personal information.
• Right to Data Portability: Receive your data in a structured, machine-readable format.
• Right to Withdraw Consent: Withdraw your consent at any time without affecting your rights.

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Updates to This Policy

Delcue Sacco may update this Data Privacy Policy periodically. We will notify you of any changes via email and a prominent notice on our website before the changes take effect. The updated policy will also reflect the “effective date” at the top.

Contact Us

If you have any questions or concerns about this policy or wish to exercise your rights, please contact us:

• Phone: (+254) 736 551 172
• Email: info@delcuesacco.co.ke

We are committed to safeguarding your privacy and ensuring that your data is handled with the utmost care and respect.