Privacy Policy

At Palscity Sacco, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard the information you provide when you use our website, mobile application, USSD services, and other digital platforms.

1. Information We Collect

When you interact with Palscity Sacco, we may collect the following types of information:

Personal Identification Information: Full name, ID/passport number, phone number, email address, physical address, date of birth.
Financial Information: Bank account details, mobile money details, SACCO account activity, contributions, loan applications, and repayment history.
Digital Information: Login details, IP address, device type, location data (when enabled), and browsing activities on our platforms.
Social/Network Data: Information about your referrals, guarantors, and interactions within the Palscity ecosystem.

2. How We Use Your Information

We use the information we collect for the following purposes:

To create and manage your SACCO membership account.
To process contributions, savings, loan applications, and disbursements.
To verify your identity and comply with legal and regulatory requirements (KYC/AML policies).
To provide customer support and communicate with you about your account.
To improve our services, develop new products, and personalize your user experience.
To send you updates, offers, and promotional messages (you can opt out anytime).

3. Sharing of Information

We do not sell your personal data. However, we may share your information in the following circumstances:

With Your Consent: When you authorize us to share your data with third parties.
With Service Providers: Such as IT providers, payment processors, auditors, and credit reference bureaus who help us deliver our services.
For Legal Reasons: If required by law, court order, or government authority.
Within the Palscity Ecosystem: For purposes of guarantorship, referrals, and social network-based verification.

4. Data Security

We implement strict technical, administrative, and physical security measures to protect your data from unauthorized access, loss, or misuse. These include:

Secure encryption of data in transit and storage.
Restricted access to sensitive personal and financial information.
Regular audits and compliance checks with data protection laws.

5. Your Rights

As a member, you have the right to:

Access and review the personal data we hold about you.
Request correction or updating of inaccurate information.
Request deletion of your data where legally possible.
Opt out of marketing communications.
File a complaint with the relevant Data Protection Authority if you believe your rights are being violated.

6. Data Retention

We will retain your personal information only for as long as is necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements.

7. Cookies & Tracking

Our website and mobile platforms may use cookies and tracking technologies to improve user experience, analyze traffic, and personalize services. You can adjust your browser or app settings to disable cookies, though some features may not function properly.

8. Third-Party Links

Our website and mobile app may contain links to third-party websites or services. Please note that we are not responsible for the privacy practices of those third parties.

9. Contact Us

If you have any questions or concerns about this Privacy Policy or how your data is handled, please contact us:

Palscity Sacco
Website: https://palscitysacco.com
Email: info@palscitysacco.com
Phone: +254 743 549 353

Palscity Sacco Society Ltd is registered (certificate CS/26951) and regulated by the Commissioner for Co-operative Development. Palscity Sacco is principally governed by the Co-operative Act, Cap 490, 2004.