Privacy Policy

1. Information We Collect

To provide you with secure co-operative services, we collect personal information including your name, email address, phone number, physical address, and means of identification (such as NIN). We also maintain records of your financial transactions, including deposits, withdrawals, share purchases, and loan applications.

2. How We Use Your Data

Your information is used strictly to operate the Mutual Growth Co-operative. This includes:

• Verifying your identity and securing your member account.
• Processing your deposits, share purchases, and loan applications.
• Calculating and distributing dividends and interest.
• Sending you automated transactional emails and account alerts.

3. Data Protection and Security

We employ stringent security measures to protect your data. Your account is secured using one-time verification codes sent to your email at each sign-in. Idle sessions are automatically locked after 5 minutes to prevent unauthorized access. Critical profile details (like your ID) are locked after initial submission and require admin approval to change.

4. Data Sharing

We do not sell, rent, or trade your personal information to third parties. Information may only be shared with trusted service providers (like payment gateways) strictly for the purpose of processing your co-operative transactions, or when required by Nigerian law.

5. Your Rights

As a member, you have the right to access your personal data and transaction history at any time through your dashboard. You may request corrections to your locked profile data via the change-request flow in your account settings.