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Privacy notice

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Who we are

Zidisha Investment Co-operative Society is the data controller for the personal data it holds about applicants and members [registration with the Office of the Data Protection Commissioner to be confirmed].

What we collect

  • Identity: name, ID or passport number, date of birth, KRA PIN, photo and signature.
  • Contact: phone numbers, e-mail, postal and physical address.
  • Work: employer, staff or payroll number, station; for groups and organisations, their registration details and officials.
  • Next of kin and nominees, whose details you give us with their knowledge.
  • Money: deposits, shares, loans, guarantees, M-Pesa and bank payments, statements.
  • Use of the member portal: sign-ins and the requests you send.

Why we use it

To process your application and membership, keep your accounts, lend, recover loans, send statements and notices, meet the SACCO's legal duties (including identifying members) and keep the SACCO secure. We use it under the Data Protection Act, 2019: to perform your membership agreement, to meet legal obligations, and with your consent where consent is needed.

Who we share it with

Only those who need it: your employer for salary check-off (when you choose it), Safaricom and the banks for payments, the SMS provider, the SACCO's auditors, and authorities where the law requires [credit reference bureaus and other recipients to be confirmed].

How long we keep it

For as long as you are a member and afterwards for the periods the law and the SACCO's records policy require [periods to be confirmed].

Your rights

Under the Data Protection Act, 2019 you may ask to be informed how your data is used, to see it, to have it corrected, to object to its use, and to have data deleted where the law allows. Ask through the office or a request in the member portal.

Contact and complaints

Write to the SACCO's data protection officer at [contact to be confirmed]. If you are not satisfied, you may complain to the Office of the Data Protection Commissioner.

Go to the membership form Home page