At Co-ops Africa, we respect your privacy and are committed to protecting the personal information you share with us. This Privacy Policy outlines how we collect, use, store, and protect your information when you interact with our website, services, and platforms. By using our services, you agree to the terms outlined in this policy.

1. Information We Collect

We collect various types of information to provide and improve our services, including:

• Personal Information: When you register for an account, subscribe to our services, or interact with us, we may collect personal details such as your name, email address, phone number, and payment information.
• Business Information: For cooperatives and business users, we may collect business-related details such as company name, business registration information, and financial data.
• Usage Data: We collect information on how you interact with our website and services, such as browsing patterns, IP address, device type, and the pages you visit.
• Cookies and Tracking Technologies: We use cookies and other tracking technologies to improve the functionality of our website and understand how users engage with our services. You can control cookies through your browser settings.

2. How We Use Your Information

We use the information we collect for various purposes, including:

• Providing Services: To deliver our financial, digital, and consulting services to you and your business.
• Communication: To send you important updates, newsletters, offers, and other communications related to our services.
• Customer Support: To respond to your inquiries, resolve issues, and provide customer support.
• Improving Services: To analyze usage patterns and feedback to enhance our website, services, and user experience.
• Compliance: To comply with legal obligations, regulatory requirements, and internal policies.

3. Sharing Your Information

We may share your information with trusted third parties in the following situations:

• Service Providers: We may share your information with partners and service providers who assist in the delivery of our services, such as payment processors, data hosting services, and business consultants.
• Legal Compliance: We may disclose your information if required by law or to protect our legal rights, comply with a subpoena, or respond to a government request.
• Business Transfers: In the event of a merger, acquisition, or sale of Co-ops Africa, your information may be transferred as part of the transaction.

4. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, alteration, or disclosure. While we take reasonable precautions, no method of online transmission or electronic storage is 100% secure. We cannot guarantee absolute security, but we are committed to protecting your data to the best of our ability.

5. Your Rights

As a user, you have certain rights regarding your personal data:

• Access: You have the right to request access to the personal data we hold about you.
• Correction: You can request that we update or correct any inaccurate information.
• Deletion: You have the right to request the deletion of your personal data, subject to applicable legal obligations.
• Opt-Out: You can opt out of receiving promotional communications from us by following the unsubscribe instructions in our emails or by contacting us directly.

6. Retention of Data

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

7. International Transfers

If you are located outside of the country where Co-ops Africa operates, your personal information may be transferred to and processed in other countries. By using our services, you consent to the transfer of your information to countries outside of your jurisdiction, including countries that may have different data protection laws.

8. Third-Party Links

Our website and services may contain links to third-party websites or services. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Children’s Privacy

Our services are not intended for individuals under the age of 18, and we do not knowingly collect or solicit personal information from children. If we learn that we have inadvertently collected information from a child under 18, we will take steps to delete that information as soon as possible.

10. Changes to This Privacy Policy

Co-ops Africa reserves the right to update or modify this Privacy Policy at any time. Any changes will be posted on this page, and the “Effective Date” at the top will reflect the most recent update. We encourage you to review this policy periodically to stay informed about how we are protecting your information.