Nortaf Credit Union Privacy Policy

Last Updated: 03.02.2025

At Nortaf Credit Union (“we,” “us,” or “our”), your privacy and trust are paramount. This policy outlines how we collect, use, protect, and share your personal information as a member or visitor. By using our services, you agree to the practices described below.

1. Information We Collect

We collect information necessary to provide and improve our services, including:

Personal Data: Name, address, date of birth, national ID/passport details, phone number, email, and occupation.

Financial Data: Account numbers, transaction history, loan applications, credit scores, and income details.

Technical Data: IP address, device information, and cookies when you use our website or mobile app.

Other: Records of communications (e.g., emails, calls) and participation in community programs.

2. How We Use Your Information

We use your data to:

Open and manage accounts, process transactions, and provide loans.

Verify identity and comply with anti-fraud or legal obligations.

Improve services, develop new products, and personalize your experience.

Communicate updates, offers, or financial literacy resources (with your consent).

Support community initiatives and report anonymized data to regulators.

3. Sharing Your Information

We do not sell your data. We may share it only in these cases:

With Your Consent: For third-party services (e.g., Insurrance partnerss).

Legal Requirements: To comply with courts, law enforcement, or regulatory bodies.

Service Providers: Trusted partners (e.g., IT vendors, auditors) bound by confidentiality agreements.

Credit Bureaus: To report loan repayment history, per regulatory guidelines.

4. Data Security

We safeguard your information through:

Encryption: Secure transmission of online data.

Access Controls: Strict staff permissions and authentication protocols.

Regular Audits: Monitoring systems for vulnerabilities.

Training: Staff educated on data protection best practices.

5. Your Rights

You have the right to:

Access: Request a copy of your personal data.

Correct: Update inaccurate or incomplete information.

Delete: Ask for data deletion, where legally permissible.

Opt Out: Unsubscribe from marketing communications.

Lodge Complaints: Contact Cameroon’s Data Protection Authority (if applicable).

To exercise these rights, visit a branch or email privacy@nortaf.com.

6. Data Retention

We retain your information only as long as necessary to:

Fulfill legal, regulatory, or operational requirements.

Resolve disputes or enforce agreements.

7. Children’s Privacy

We do not knowingly collect data from individuals under 18 without parental consent.

8. Updates to This Policy

We may update this policy periodically. Changes will be posted on our website and notified via email or SMS.

Contact Us

For questions or concerns about your privacy:

📞 +237 XXX XXX XXX

📧 privacy@nortaf.com

📍 Commercial Avenue Bamenda

NORTAF Credit Union—Empowering Communities with Integrity.