This privacy policy (this "Privacy Policy") explains how personal information is collected, used, stored, and disclosed by INEC Cooperative Multipurpose Society, Ekiti. The provisions contained in this Privacy Policy supersede all previous notices and statements regarding our privacy practices with respect to our online or application usage.

 


Application of this Privacy Policy

This Privacy Policy applies generally to the business of INEC CMS Ekiti State and serves to set out our approach to personal data, inclusive of personal data of our consumer users ("Members"). This Privacy Policy applies to systems, operations and processes of INEC CMS Ekiti that involve the collection, use, storage, and disclosure etc. of personal information.

This Privacy Policy applies to use of our websites, mobile application, other online services and/or any related services. For our Members, this Privacy Policy is part of our Terms of Use.

This Privacy Policy applies to your use of (regardless of means of access) our Services. You may access or use our Services through a desktop, laptop, mobile phone, tablet, or other consumer electronic device (each, a "Device"). By accessing or using our website/application/Services, you agree to this Privacy Policy.


Information We Collect

Information You Provide Us

In general, you can visit https://www.ineccmsekiti.com without telling us who you are or revealing any information about yourself.

When you submit an inquiry to us via any means, contact form or register as a member; we may collect personal information from you, which may include your name, email address, mobile phone number, INEC CMS Ekiti Ledger Number, Title, and other information that identifies you (collectively, "Personal Information"). By providing your Personal Information to the Co-operative Society, you expressly agree to our collection, use, storage, and disclosure of such information as described in this Privacy Policy.

As a User/Member, we will also ask you to create login information for your Co-operative Balance account, such as a username and password. When you provide your mobile phone number, we may ask for your consent to receive text messages relating to our Services on that number.

In general, we collect Personal Information you give us by filling in forms or by corresponding with us by phone, email, social media posts & messages, or otherwise.

Information About Your Transactions

We collect Personal Information about your transactions with us.

Information From Third Parties

We may also collect Personal Information about you from our employer (INEC Admin) where our employer provides the service of further confirming Members identity.

Information Automatically Collected

We (or our service providers acting on our behalf) may collect information about your use of our Services. This information may include Personal Information as well as statistical information that does not identify you ("Analytics"). Some Analytics may be correlated with Personal Information. When Analytics are, directly or indirectly, associated or combined with Personal Information, such Analytics will be considered Personal Information for purposes of this Privacy Policy.

Information that we automatically collect in connection with your access or use of our Services may include:

Device Information: We may collect Device-specific information (such as hardware model, operating system version, unique Device identifiers, and mobile network Information, including your mobile phone number). We may associate your Device identifiers or mobile phone number with your Co-operative account.

Log Information: We may record or log information from your Devices, their software, and your activity accessing or using our Services. This information may include:

·         The Device's Internet Protocol ("IP") address

·         Identification numbers associated with your Devices

·         Device event information, such as crashes, system activity, and hardware settings

·         Location preferences

·         Date and time stamps of transactions

·         System configuration information

·         Other interactions with our Services


Information Collected Through Cookies and Similar Technologies

We use cookies to personalize our Services for you and to collect aggregate information about the usage of our Services. A cookie is a text file or other local storage identifier provided by your browser or associated applications. We use cookies for record-keeping purposes and to enhance the quality of your use of our Services. The cookies assign random, unique numbers to your Devices to enable our systems to recognize your Devices and to allow us to see how you use our Services. Additional general information about cookies and how they work is available at www.allaboutcookies.org.

The cookies we use in connection with our Services include:

Session cookies: Session cookies are temporary cookies that expire and are automatically erased whenever you close your browser window. We use session cookies to grant users access to content and to enable actions they must be logged into their PiggyVest account to perform.

Persistent cookies: Persistent cookies usually have an expiration date in the distant future and remain in your browser until they expire or you manually delete them. We use persistent cookies to better understand usage patterns so we can improve our Services. For example, we may use a persistent cookie to associate you with your PiggyVest account or to remember your choices for our Services.

Third-party cookies: We permit certain third parties to place cookies through our Services to provide us with better insights into the use of our Services and user demographics and to advertise our Services to you. These third parties may collect information about your online activities over time and across different websites when you access or use our Services. For example, we utilize Google Analytics to analyze usage patterns for our Services. Google Analytics generates a cookie to capture information about your use of our Services, which Google uses to compile reports on website activity for us and to provide other related services. Google may use a portion of your IP address to identify its cookie, but this will not be associated with any other data held by Google. We may also permit third-party service providers to place cookies for our Services, as indicated above, to perform analytic or marketing functions where you are notified of them and you have consented to the usage. We do not control the use of such third-party cookies or the resulting information, and we are not responsible for any actions or policies of such third parties. By accessing or using our Services, you consent to the placement of cookies on your Devices as described in this Privacy Policy. If you prefer not to receive cookies through our Services, you may control how your browser responds to cookies by adjusting the privacy and security settings of your web browser. Unless you set your browser settings to refuse all cookies, our system may issue cookies when you access or use our Services. If you set your browser settings to refuse all cookies, the performance of certain features of our Services may be limited or not work at all.

Do-Not-Track Signals

Do Not Track ("DNT") is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third parties. We do not use technology that recognizes DNT signals from your web browser.

How We Use Information

We may use Analytics as described elsewhere in this Privacy Policy and for usage research to improve our Services.

We may use your email address to respond to your inquiries and to provide information about our (added) functionality/service. You may elect not to receive promotional emails from us either by "unsubscribing" to an email you receive from us or by contacting us as indicated below. As a Member, if you unsubscribe from receiving emails from us, we may still send you non-promotional emails, such as emails about our Co-operative Society and related Business, unless you withdraw your consent to receive electronic communications as provided in our Terms of Use.

How We Share Information

We do not share Members Personal Information with:

1.    Other co-operative society

2.    Any third parties so they can market to you.

We may share your Personal Information with unaffiliated third parties:

1.    If you request or authorize it;

2.    If the information is provided to help complete a transaction for you;

3.    If the information is provided to: (a) comply with applicable laws, rules, regulations, governmental and quasi-governmental requests, court orders, or subpoenas; (b) enforce our Terms of Use or other agreements; or (c) protect our rights, property, or safety or the rights, property, or safety of our users or others (e.g., to a consumer reporting agency for fraud protection, etc.);

4.    If the information is provided to our third-party service providers to perform functions on our behalf (e.g., analysing data, providing marketing assistance, providing customer service, processing orders, etc.);

5.    For our everyday business purposes;

6.    For publication of our events.

7.    We share your Personal Information with delivery companies and may publish your image where you have won a gift in our competitions, giveaways and promotions or as permitted by applicable law or otherwise described in this Privacy Policy.

When you are no longer our Member, we may continue to share your information as described in this Privacy Policy.

We may disclose Analytics with third parties as described elsewhere in this Privacy Policy.

Opt-Out Rights

If you do not wish to receive offers or other notices from us in the future, you can "opt-out" by contacting us as indicated at the end of this Privacy Policy or by following the "unsubscribe" instructions in any communication you receive from us. Please be aware that if you remain a member, you are not able to opt-out of receiving communications from the Society.

Other Rights to Your Personal Information with Us

Beyond your right to opt out of our processing Personal Information, you also have the option of exercising any of the below rights with respect to your Personal Information:

·         Request Correction to your Personal Information
We respect your wishes to correct inaccurate information and as such you must notify us of any change in your Personal Information. Changes to financial details will require you to contact the Co-operative society office directly. If you are not a Member, you can contact us as indicated at the end of this Privacy Policy to make any changes or requests on Personal Information we hold about you. Any changes will affect only future uses of your Personal Information and we may need to verify the accuracy of the new data you provide to us.

·         Request Access to your Personal Information
You can ask us whether we are storing your Personal Information and you can ask to receive a copy of that Personal Information. Before sending you any Personal Information, we will ask you to provide proof of your identity. If you are not able to provide proof of your identity, we reserve the right to refuse to send you any Personal Information. We will respond as quickly as we can to your requests for details of Personal Information, we hold about you.

·         Request us to refrain from doing certain things with your data or restrict the extent of our collection or processing of your data
You may object the processing of your personal data where you feel it impacts on your fundamental rights and freedoms. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.

·         Request partial or complete erasure of your Personal Information
You may request for us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing, where we may have processed your information wrongly or where we are required to erase your personal data to comply with Co-operative by-law. Note however that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.

Information You Share Socially

Our Services may allow you to connect and share your actions, comments, content, and information publicly or with friends. We are not responsible for maintaining the confidentiality of any information you share publicly or with friends.

Our Services may also allow you to connect with us on, share on, and use third-party websites, applications, and services. Please be mindful of your personal privacy needs and the privacy needs of others, as you choose whom to connect with and what to share and make public. We cannot control the privacy or security of information you choose to make public or share with others. We also do not control the privacy practices of third parties. Please contact those sites and services directly if you want to learn about their privacy practices.

Security and Storage of your Personal Information

We have suitable security measures in place to prevent your Personal Information from being accidentally lost or used or accessed in an unauthorised way by a third party. In addition, we limit access to your personal data to our employee, agents, contractors and other third parties who have a business need to know. They will only process your Personal Information on our instructions. We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

We have, and require our third-party service providers that receive Personal Information from us to have, a comprehensive written information security program that contains administrative, technical, and physical safeguards for our respective physical facilities and in our respective computer systems, databases, and communications networks that are reasonably designed to protect information contained within such systems from loss, misuse, or alteration

No method of electronic transmission or storage is 100% secure. Therefore, we cannot guarantee absolute security of your Personal Information. You also play a role in protecting your Personal Information. Please safeguard your username and password and do not share them with others. If we receive instructions using your account login information, we will consider that you have authorized the instructions. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We reserve the right, in our sole discretion, to refuse to provide our online Services and to remove or edit content.

Subject to applicable law, which might, from time to time, oblige us to store your Personal Information for a certain period of time, we will retain your Personal Information for as long as necessary to fulfil the purposes we collected it for, including the purposes of satisfying any legal, accounting, or reporting requirements.

Protecting Children's Privacy

Our Services are not directed or intended to be attractive, to children under the age of 18. We do not knowingly collect Personal Information from children under the age of 18. If you are under the age of 18, do not use our Services or submit any information to us.

Links to Third-Party Websites

When you use our online Services, you may be directed to other websites that are beyond our control. We may also allow third-party websites or applications to link to our Services. We are not responsible for the privacy practices of any third parties or the content of linked websites, but we do encourage you to read the applicable privacy policies and terms and conditions of such parties and websites. This Privacy Policy only applies to our Services.

Changes to our Privacy Policy

Subject to applicable law, we may revise this Privacy Policy at any time and in our sole discretion. When we revise this Privacy Policy, we will post the revised version via our Services and will update the date at the top of this Privacy Policy. The revised Privacy Policy will be effective upon posting via our Services, unless otherwise set forth therein or as otherwise required by applicable law. You are free to decide whether or not to accept a revised version of this Privacy Policy, but accepting this Privacy Policy, as revised, is required for you to continue accessing or using our Services. If you do not agree to the terms of this Privacy Policy or any revised version of this Privacy Policy, your sole recourse is to terminate your access and use of our Services. Except as otherwise expressly stated by us, your access and use of our Services are subject to the version of this Privacy Policy in effect at the time of access or use.

How to contact INEC CMS Ekiti

If you have any questions, comments, or concerns regarding these Terms or the Services, please contact us at ekitiineccms@ineccmsekiti.com 8035278307