Privacy Policy

1. Introduction

St. Martin De Porres Co-operative Credit Union Ltd. ("SMDPCCU", "we", "us", or "our") respects your privacy and is committed to protecting the personal information of our members, applicants, and website visitors. This Privacy Policy explains what information we collect through stmartindeporresccu.com, how we use it, and the choices available to you, in line with Ghana's Data Protection Act, 2012 (Act 843).

2. Information We Collect

We collect information you provide directly to us, including:

• Contact form submissions – your name, phone number, email address, and message.
• Membership applications (via our "Open an Account" page) – your full name, nationality, residential address, phone number, email, national ID details, employment or business information, source of funds, and emergency contact or beneficiary details.
• Live chat conversations – messages you send us through our Tawk.to chat widget, and basic technical data (such as browser type and approximate location) needed to operate the chat.

We do not collect payment card details or initial deposits through this website – these are handled in person at our branches.

3. How We Use Your Information

We use the information we collect to:

• Process and respond to membership applications and account opening requests;
• Respond to enquiries submitted through our contact form or live chat;
• Verify your identity and eligibility as required by our internal policies and CUA Ghana regulatory guidance;
• Communicate with you about your application, our products, rates, or services;
• Improve our website and services.

4. Cookies & Similar Technologies

Our website uses cookies set by our live chat provider, Tawk.to, once you accept our cookie banner. These cookies allow the chat widget to remember your conversation and provide support. You can decline cookies by not accepting the banner, though this will disable the live chat feature. You may also clear cookies at any time through your browser settings.

5. Sharing Your Information

We do not sell your personal information. We share information only with:

• Formspree, our third-party form-processing provider, which securely delivers form submissions to our staff by email;
• Tawk.to, our live chat provider, for messages you choose to send through chat;
• CUA Ghana and other regulators, where required by law or cooperative credit union regulations;
• Law enforcement or regulatory authorities, where legally required.

6. Data Retention

We retain membership and account-related information for as long as your membership is active and for a reasonable period afterward, as required by our record-keeping obligations. Contact form and chat enquiries are retained only as long as necessary to resolve your enquiry.

7. Data Security

We take reasonable technical and organisational measures to protect your personal information against unauthorised access, loss, or misuse. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

8. Your Rights

Under Ghana's Data Protection Act, 2012 (Act 843), you have the right to access, correct, or request deletion of your personal information held by us, and to object to certain uses of it. To exercise these rights, contact us using the details below.

9. Children's Privacy

Our Youth Savings accounts are opened by a parent or guardian on behalf of a minor. We do not knowingly collect personal information directly from children through this website without guardian involvement.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with a revised "Last updated" date.

11. Contact Us

If you have questions about this Privacy Policy or wish to exercise your data rights, contact us at:

St. Martin De Porres Co-operative Credit Union Ltd.
Atonsu, Monaco Junction, Kumasi, Ghana
Phone: 020 229 0588
Email: enquiries@stmartindeporresccu.com