Online Privacy Notice
ELCT ND SACCOS, your member-owned financial institution, is committed to providing a safe place to save and borrow money at very competitive rates. ELCT ND SACCOS is equally committed to protecting consumers’ privacy and you can be confident that financial privacy is a priority of ELCT ND SACCOS. This Online Privacy Statement applies to ELCT ND SACCOS’s webpages, ELCT ND SACCOS-branded social media sites, mobile applications, digital banking applications, and digital advertising campaigns, collectively referred to as a “digital property.”
The terms “ELCT ND SACCOS,” “we,” “our,” or “us” refers to ELCT ND SACCOS and any affiliates or subsidiaries based in the United Republic of Tanzania.
ELCT ND SACCOS is a United Republic of Tanzania-based financial cooperative serving a Tanzania based target market. Our web and digital properties do not intentionally target children under the age 13 without parental consent. In addition to the privacy practices described within this statement and the ELCT ND SACCOS Privacy, social media sites may have their own privacy policies that you should understand prior to using their services to interact with ELCT ND SACCOS on those sites.
Information Collection
When using an ELCT ND SACCOS digital property we may collect three categories of information about you.
Personal Information: We may collect personally identifiable information about you such as your name, address, phone numbers, email address, or other information that identifies you. This includes information you provide via applications, forms, subscriptions, contest entries, or other means of collection.
Non-public Information: Through your interactions with us, such as applying for a product or service, we may collect non-public information about you such as your National ID number, tax identification number, driver’s license number, ELCT ND SACCOS user name, ELCT ND SACCOS password, occupation, or other types of non-public information.
Online Behavior: We may collect information about the Internet Protocol (IP) address of the device(s) you use to access ELCT ND SACCOS’s digital properties; your operating system and browser type; referral website information; your digital property usage and page views; your social media preferences (e.g. likes, interests, profile, etc.); your geolocation; and aggregate or non-personally identifiable information.
These categories of information may be collected by ELCT ND SACCOS, or by our third party service providers, through use of various technologies, such as cookies, web beacons, pixel tags, or other technologies, to associate your online use of our digital properties and/or with offline personally identifiable information. We may use information collected from an ELCT ND SACCOS digital property to acquire additional information about you from our marketing partners or service providers. For example, when you submit an application for membership or for a financial product or service, we may use the National ID number you provided online to access a consumer report which may contain a credit score and information about your creditworthiness to determine if you meet our underwriting guidelines. When interacting with ELCT ND SACCOS on a digital platform that is not owned by ELCT ND SACCOS such as a social media site, never include sensitive personal or non-public information. Communications with ELCT ND SACCOS about your application, membership, and accounts with us should only take place in a secure ELCT ND SACCOS channel such as ELCT ND SACCOS Online or Mobile Banking or by phone with a Member Care employee. Social media sites are not an appropriate place to conduct or discuss your financial transactions.
Information Usage
We may use the information we collect online and that which we pair it with offline to: • market our products and services or those of our trusted partners • make a decision about your application for a product or service • service, manage, or collect on your account • offer special deals or promotions • process transactions initiated by you • verify your identity or information you provided on an application • perform everyday business tasks such as data analytics, digital property experience optimization, fraud prevention, security enhancements, or product and service improvements • respond to your questions or inquiries • aggregate or anonymize data for analytical purposes
Information Disclosure
ELCT ND SACCOS may disclose all of the information collected, as described above, to companies that perform marketing services on behalf of ELCT ND SACCOS or to other financial institutions with which ELCT ND SACCOS has joint marketing or other contractual agreements. ELCT ND SACCOS may also disclose nonpublic personal information about its members under other circumstances as permitted or required by law.
Information Security
ELCT ND SACCOS restricts access to non-public personal information about its members to ELCT ND SACCOS employees and approved third parties working on our behalf who have a specific business purpose in utilizing member data. ELCT ND SACCOS employees are trained in the importance of confidentiality and member privacy by maintaining physical, electronic, and procedural safeguards that comply with regulations and leading industry practices to safeguard members’ non-public personal information.
Use of Online Technologies to Collect Information
ELCT ND SACCOS may use technologies to store information on your computer when you visit an ELCT ND SACCOS website. For example, cookies may be used within ELCT ND SACCOS websites to enhance website security, improve website effectiveness, tailor the sites to your individual preferences, and improve our marketing campaigns
Cookies are a string of data sent between a server and a web browser to help track how you are using our websites and improve your online experience. Cookies are not used to retrieve any data from your hard drive, nor can they run a program on your computer. ELCT ND SACCOS uses cookies to help protect your accounts from being accessed by unauthorized users, to maintain session integrity, and to enable enhanced security. Cookies are also used to help us understand your interests and needs so we can provide you with a customized online experience.
A pixel tag, also known as a web bug in an embedded image, is an invisible tag placed on a webpage to register when a particular computer visits that specific page. These tags and beacons are used in combination with cookies. ELCT ND SACCOS places these on its web properties and in online advertisements to better personalize your experience with ELCT ND SACCOS and to understand aggregate website usage and patterns.
Accepting Cookies. Most web browsers automatically accept cookies. If you do not wish to receive cookies, refer to your browser’s online help for further instructions and information on setting cookie preferences. If you turn off cookies, you may not be able to use some ELCT ND SACCOS Online Banking features.
Third-Party Websites. The ELCT ND SACCOS web properties may direct you to other sites on the Internet to provide additional information or services that may be of interest to you. Third-party websites may have privacy and security policies different from ELCT ND SACCOS. Please review the privacy and security policies of websites reached through links from ELCT ND SACCOS websites.