Privacy Policy

Azire Cooperative Credit Union Limited (AziCCUL) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, share, and protect personal information through our mobile application, (AziCCUL Mobile App). The AziCCUL Mobile App is available on the Play Store and Apple App Store. By using the app, you agree to the practices described in this policy.

1. Information We Collect

a. Personal Information

• User-Provided Data: Information you provide when creating an account or using the app, such as name, email address, profile information, and member number.
• Automatically Collected Data: Information collected automatically, including device information such as device ID, operating system, and IP address, and usage data such as app interactions, features accessed, and time spent.

b. Non-Personal Information

• Aggregated data that does not identify you directly, used for analytics and improving the app.

2. How We Collect Information

We collect information through:

• Direct Input: When you enter information in the app during account creation or through form submissions.
• Automated Technologies: Through tools like cookies and reporting tools to track usage and performance.
• Permissions: If you grant permissions, we collect data as described in the permission prompt, like geolocation.

3. How We Use Your Information

1. Provide, operate, and maintain the app’s functionality.
2. Improve user experience and develop new features.
3. Respond to user inquiries and provide customer support.
4. Analyze usage trends to enhance performance and security.
5. Comply with legal obligations or enforce our policies.

4. Data Sharing and Disclosure

We may share your information with:

• Third-Party Service Providers: Such as analytics providers like Google Analytics, payment processors, and mobile telecommunication companies who process data on our behalf and are bound by agreements to protect your data.
• Legal Requirements: If required by law, regulation, or legal process and court orders.

All third parties we share data with are required to provide the same or equal level of data protection as stated in this policy, in compliance with the Play Store and Apple’s App Store Review Guidelines.

5. Data Storage and Security

• Storage: Data is stored on secure servers in the United States and in Cameroon. We retain data only for as long as necessary to fulfill the purposes outlined in this policy or as required by law.
• Security: We implement industry-standard measures, such as encryption, firewalls, and access controls, to protect your data. However, no method of transmission or storage is 100% secure.
• Retention Policy: We retain user data for as long as your account is active for a maximum period of 10 years. Anonymized data may be retained longer for analytics.

6. User Rights and Choices

You have the following rights regarding your data:

• Access: Request access to the personal data we hold about you.
• Correction: Request corrections to inaccurate or incomplete data.
• Deletion: Request deletion of your data, subject to legal obligations.
• Revoke Consent: Withdraw consent for data processing where applicable.

To exercise these rights, contact us at info@aziccul.cm or support@aziccul.cm.

7. Children’s Privacy

The AziCCUL Mobile App is not intended for users under 21 years. We do not knowingly collect data from children under 21 years without parental consent, in compliance with the Cameroonian laws and Children’s Online Privacy Protection Act (COPPA). If we learn such data has been collected, we will delete it promptly.

8. Policy Updates

We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will notify you of material changes via emails, in-app notifications, or website updates. Continued use of the app after changes constitutes acceptance of the updated policy.

9. Contact Us

For questions or concerns about this Privacy Policy, contact us at:

10. App Store Compliance

This privacy policy complies with the Play Store and Apple’s App Store Review Guidelines. It is accessible within the app under Settings > Legal and via our website at www.aziccul.cm.

This Privacy Policy is effective as of March 30, 2026 and applies to all users of AziCCUL mobile.