Living Winners Multi-Purpose Co-operative Society Limited, Abuja (hereinafter referred to as "Living Winners Co-op" or "the Co-op") is committed to protecting the privacy and confidentiality of your personal and financial information. This Privacy Policy outlines how we collect, use, disclose, and protect your information in accordance with applicable laws and regulations.

1. Information Collection

We collect personal and financial information from our members for the purpose of providing financial and technical assistance services, managing membership accounts, and fulfilling legal and regulatory requirements. Information we may collect includes:

• Personal information such as your name, address, contact details, date of birth, and identification documents.
• Financial information such as account details, transaction history, credit history, and income details.

We collect information directly from you when you apply for membership, open an account, apply for a loan, or engage with our services.

2. Use of Information

We use the information we collect for the following purposes:

• To provide financial and technical assistance services to our members.
• To manage membership accounts, process transactions, and maintain records.
• To communicate with you regarding your membership, account status, and relevant updates.
• To comply with legal and regulatory requirements, including reporting to regulatory authorities.

3. Information Disclosure

We may disclose your information to third parties in the following circumstances:

• To service providers and partners who assist us in delivering our services, such as banks, credit bureaus, insurance providers, and IT service providers.
• To regulatory authorities and law enforcement agencies as required by law or to comply with legal obligations.
• With your consent or at your direction.

We do not sell or rent your personal information to third parties for marketing purposes.

4. Information Security

Living Winners Co-op employs appropriate security measures to protect your personal and financial information from unauthorized access, use, disclosure, alteration, or destruction. We regularly review and update our security practices to ensure the integrity and confidentiality of your information.

5. Data Retention

We retain your personal and financial information for as long as necessary to fulfill the purposes for which it was collected, to comply with legal and regulatory requirements, and to maintain accurate membership records. When your information is no longer required, we will securely dispose of it in accordance with our retention policies.

6. Your Rights

You have the right to access, correct, or update your personal information held by Living Winners Co-op. You may also request the deletion of your information, subject to legal and regulatory requirements. To exercise these rights or inquire about your information, please contact us using the information provided below.

7. Changes to Privacy Policy

Living Winners Co-op reserves the right to amend or update this Privacy Policy at any time without prior notice. Any changes will be effective immediately upon posting on our website or other communication channels. Continued use of our services after such changes constitutes acceptance of the revised Privacy Policy.

8. Contact Us

If you have any questions, concerns, or complaints regarding this Privacy Policy or our handling of your personal information, please contact Living Winners Multi-Purpose Co-operative Society Limited, Abuja, Nigeria.

By engaging with Living Winners Multi-Purpose Co-operative Society Limited, you acknowledge that you have read, understood, and agreed to the terms of this Privacy Policy.