Privacy Policy

DATA PRIVACY STATEMENT AMOURTRUST Credit Union Limited affiliated to CamCCUL

This Data Privacy Statement (“Privacy Statement”) applies to any person who has applied for, is currently using, or is proposing to apply and use an Account, Application, Card, or Service of  AMOURTRUST Credit Union Limited (the “Data Subject”). This Privacy Statement is made in accordance with the Data Privacy Law of 2012 and its implementing rules and regulations.

Under this Privacy Statement, the terms “we”, “our”, “us”, the “Cooperative Credit Union”, and “AMOURTRUST Credit Union Limited” refer to AMOURTRUST Credit Union Limited. The terms “You”, “your”, the “Applicant” or “Account holder” refer to every person who opens an account with, or uses an Application, Card, or Service of AMOURTRUST Credit Union Limited.

You agree that the use or continued use of AMOURTRUST Credit Union Limited’s Account, Application, Card, or Service shall be deemed your acceptance and agreement to be bound by the terms of this Privacy Statement.

As Data Subject, you acknowledge that it is necessary for AMOURTRUST Credit Union Limited to undertake the processing, profiling, and sharing of your personal data, and customer, transaction, account data, or information (“Information”) in connection with your application, the establishment or maintenance of your Account, Application, Card, and the provision of Cooperative Credit Unioning services (the “Services”), and you agree to such processing, profiling, and sharing of such Information by AMOURTRUST Credit Union Limited.

You acknowledge and agree that the Information may be processed, profiled, and shared by AMOURTRUST Credit Union Limited to a third party located in Cameroon or in another country or jurisdiction, as necessary and indicated below. Such Information may be processed, profiled, and shared by such third parties solely for the purposes indicated below and in accordance with the laws and regulations of Cameroon or in such other country or jurisdiction.

You acknowledge and agree that the processing, profiling, and sharing apply during the application stage, as well as for the duration of use of the Services and even after the rejection, termination, closure, or cancellation of the Services (“Termination”) for a period of at least five (5) years from Termination, or even longer in the event of and until the final conclusion or judgement of any regulatory or court proceeding, dispute, or action.

INFORMATION WE PROCESS

AMOURTRUST Credit Union Limited processes your personal data, and customer, transaction, account data, or information (“Information”), including, among others, the following:

Personal data, including your name, date and place of birth, age, mailing address, email address, telephone or mobile number, nationality, gender, specimen signature, government ID number, postal code, social security number. The name, date of birth, gender, email address, mailing address, and telephone or mobile number of your relatives and spouse (“relatives”), may also be collected and processed, when applicable. Where information from third parties is required, you are responsible for securing the consent of such third parties;

Transaction data, including your Cooperative Credit Union account number, any deposits, withdrawals, and transfers made to or from your account, when and where such transactions took place, the customer account number, and card number;

Financial data, including your credit history, credit capacity, financial products you have with AMOURTRUST Credit Union Limited, payment behavior, invoices, credit notes, the value of your property or other assets, whether you are registered with a credit register, your payslips, and information on your income;

Know your customer (KYC) data, as part of AMOURTRUST Credit Union Limited’s customer due diligence, and in order to prevent fraudulent conduct or behavior and to comply with regulations against money laundering, terrorism financing, and tax fraud;

Audio-visual data, where applicable and legally permissible. We can use phone or video recordings to verify your telephone requests or use them for fraud prevention or staff training purposes;

Biometric data, including facial recognition data, voice identification, or fingerprint, which the Cooperative Credit Union will use for customer verification;

Socio-demographic profile, including education, employment details, whether you are married and have children;

Sensitive personal information, including health, education, ethnicity, religious or political beliefs, which may be processed by AMOURTRUST Credit Union Limited if:

You have provided your explicit consent; or

We are required or allowed to do so under applicable laws and regulations.

Social media interactions with AMOURTRUST Credit Union Limited. You acknowledge that we may follow public messages, posts, likes, and responses to and about AMOURTRUST Credit Union Limited on the internet;

Information on your behavior and preferences, such as, but not limited to, data you share with us when you fill up our survey or when you contact our Customer Service, IP address, operating system, and other machine identifiers of the mobile device or computer you use and the pages you visit on AMOURTRUST Credit Union Limited websites and the Application;

Information from cookies or other technologies used for the analysis of visits to, usage and transactions in websites, mobile applications, use of any information technology application used by us, social media networks, data aggregators, and data integrators, and other available data sources.

HOW WE OBTAIN YOUR INFORMATION

The following are the ways that AMOURTRUST Credit Union Limited may collect your Information:

You disclose and share it with AMOURTRUST Credit Union Limited when you register on our website or Application, apply for or avail of any product or service offered by AMOURTRUST Credit Union Limited, sign a contract with AMOURTRUST Credit Union Limited, or interact with or contact us through our employees, representatives, service providers, or one of our channels or visit our websites;

AMOURTRUST Credit Union Limited may collect your Information from your organization when it becomes a partner or if it is an existing partner, and your personal information is shared as a contact person of the organization, or when your organization refers you to AMOURTRUST Credit Union Limited;

AMOURTRUST Credit Union Limited collects your Information from other sources, including, government agencies, supervisory bodies, professional associations or organizations, tax authorities, courts of competent jurisdiction, and other third party sources.

Some of your information will be gathered through the use of ‘cookies’, which are small bits of information that are automatically stored on a person’s web browser in their computer that can be retrieved by this site. We use cookies for a variety of reasons, such as to determine preferences, let users navigate between pages efficiently, verify the user and carry out other essential security checks. More importantly, we use cookies to give you the best possible experience on our Application and website. Should you wish to disable these cookies, you may do so by changing the settings on the Application or on our website. However, please remember that cookies are often used to enable and improve certain functions on our Application and website. If you choose to switch off certain cookies, it is likely to affect how our Application and our website would function.

PURPOSE OF PROCESSING, PROFILING AND SHARING

You agree that the Information may be processed, profiled or shared by AMOURTRUST Credit Union Limited for any of the following purposes (“Permitted Purposes”):

To process applications for products and services of AMOURTRUST Credit Union Limited, and to provide, operate, process and administer the Account, Application, Card or other Cooperative Credit Unioning and credit/financial services;

To undertake activities related to the provision of products and services, including without limitation, transaction authorization, transaction notification and confirmation, preparation and delivery of statements, customer service and other support services, as well as the conduct of surveys, and administration of rewards and loyalty programs;

To establish, maintain or terminate accounts, and maintain accurate “know your customer” or due diligence information;

To perform agreements to which you are a party, or to enable AMOURTRUST Credit Union Limited to carry out your instruction and/or assess your eligibility for products and services;

To verify your identity or authority, or that of representatives who contact us or may be contacted by us and to carry out or respond to requests, questions, or instructions from your representatives;

To monitor and record calls and electronic communication with you for record keeping, quality assurance, customer service, investigation, litigation, and fraud prevention purposes;

To conduct anti-money laundering, terrorist financing, sanctions, credit, and background checks, and to fulfill any legal, regulatory, tax, and other compliance or regulatory obligations applicable to AMOURTRUST Credit Union Limited and any of its affiliates or related companies;

For risk assessment, statistical and trend analysis and planning purposes, creating and maintaining credit scoring models, and otherwise ensuring potential or ongoing creditworthiness of Data Subjects, and creating and maintaining business development plans and activities for present and future reference;

For service offering and/or service development or improvement so that you can enjoy the utmost benefit that AMOURTRUST Credit Union Limited, its affiliates, or merchant-partners have to offer from time to time;

For marketing and promotional purposes, or providing you with newsletters and other communications regarding AMOURTRUST Credit Union Limited, its affiliates, and merchant-partners, and offering or marketing to you and to individuals you refer to us products or services of AMOURTRUST Credit Union Limited, its affiliates, or merchant-partners; for conducting market, product, and service research, and designing or refining any such products or services offered or marketed;

To enforce and defend our rights, as well as the rights of our affiliates, and our/their employees, officers, directors, and stockholders, including, without limitation, in order to collect amounts owing from you;

Other purposes directly related to the foregoing.

If the processing of Information is not compatible with the above purposes, AMOURTRUST Credit Union Limited will request your explicit consent to process the Information.

Applicable laws require us to retain Personal Data for a period of time. In general, we delete your Personal Data or aggregate such Information and render it anonymous, and dispose of it after five (5) years in accordance with applicable laws and regulations. We may, however, retain your Personal Data for a longer period for an ongoing audit, investigation, litigation, or other legal Proceeding.

WHO WE SHARE THE INFORMATION WITH

You agree that AMOURTRUST Credit Union Limited may share your Information with any of the following persons or entities inside or outside Cameroon (“Data Recipient”) in accordance with any of the Permitted Purposes:

Any person or entity which is an affiliate or related party of AMOURTRUST Credit Union Limited to the extent necessary to fulfill the Permitted Purposes;

Any person, agent, contractor, or third-party service provider who provides information technology, data processing, information security, payment, debt collection, credit, or business information, reference or other background checks, leads and referrals, administrative, mailing, telemarketing, direct sales, telecommunications, knowledge management, human resource, consulting service, or other services to AMOURTRUST Credit Union Limited in connection with the operation of the business of AMOURTRUST Credit Union Limited and the delivery of services to Data Subject;

Credit reference or information company or bureau, and fellow users, members, or subscribers of the foregoing company, bureau, or agency (including, where such entities are users, members, or subscribers of the foregoing, universal, commercial and thrift Cooperative Credit Unions, including their trust departments, rural Cooperative Credit Unions and entities with quasi-Cooperative Credit Unioning license issued by the BSP, including their subsidiaries and/or affiliates that are engaged in the business of providing credit; life insurance companies, mutual benefit associations, and other similar entities supervised by the Insurance Commission; credit card companies; financing companies; investment houses with quasi-Cooperative Credit Union license; nongovernmental organizations engaged in the micro-financing business; government lending institutions, both government financial institutions and government-owned and controlled corporations engaged primarily in lending; cooperatives engaged in lending activities such as credit cooperatives or financial services cooperatives; other entities providing credit facilities; telecommunications companies); and, in the event of default, skip or asset tracing, lawyers, and debt collection agency;

Any person or entity to whom AMOURTRUST Credit Union Limited is under legal obligation or otherwise required to make a disclosure pursuant to applicable foreign or domestic law, regulation, or legal process or court order or agreement entered into, binding upon or applying to AMOURTRUST Credit Union Limited, whether such legal obligation, legal process, order, or agreement may be existing currently or created in the future;

Any actual or proposed assignee or transferee of AMOURTRUST Credit Union Limited’s rights in respect of any product or service offered to or availed by you, or any of our or our affiliates’ actual or proposed assignee of all or any part of our or our affiliates’ assets or business;

Merchant-partners and third-party reward, loyalty, privileges, programs, or other related services and/or service or product provider;

Charitable or non-profit-making organizations or other recipients of donations or contributions from you;

The subcontractors, assignees, vendors, or delegates of each of the above-described persons or entities.

YOUR RIGHTS AND HOW WE RESPECT THEM

AMOURTRUST Credit Union Limited acknowledges and respects your rights as a Data Subject, namely:

The right to be informed as to whether your personal information is being or has been processed;

The right to be furnished with information as to the description of the personal information being entered into the system, the purposes for which they are being processed, the scope and method of processing, the recipients to whom they may be disclosed, the methods utilized for automated access, the identity and contact details of the entity collecting and processing the Information, and the period for which the Information will be retained or stored;

The right to have reasonable access, upon demand, to the Information that were processed, the sources from which the personal information was obtained, contact details of the recipients of the personal information, reasons for the disclosure, date when the Information were last accessed and modified;

The right to dispute the inaccuracy or error in the personal information and have AMOURTRUST Credit Union Limited immediately correct such error or inaccuracy, except in instances provided by law;

The right to suspend and withdraw your consent. In such an event, AMOURTRUST Credit Union Limited shall no longer process the personal information unless the processing is pursuant to a subpoena or pursuant to a legal obligation;

The right to demand deletion of the personal information in the event it is incomplete, outdated, false, unlawfully obtained, or used for unauthorized purposes or no longer necessary for the purpose it was collected;

The right to lodge a complaint before the National Privacy Commission if your personal information has been misused, maliciously disclosed, or improperly disposed of, or if any of your data privacy rights have been violated;

As a Data Subject, you may be indemnified for any damages sustained due to such inaccurate, incomplete, outdated, false, unlawfully obtained, or unauthorized use of personal information.

KEEPING YOUR INFORMATION SAFE

AMOURTRUST Credit Union Limited has put in place appropriate technical and organizational measures, including policies and procedures, to ensure the confidentiality and integrity of your Information. We have an internal policy framework, which is reviewed regularly and updated in accordance with regulations, market developments, and industry standards.

AMOURTRUST Credit Union Limited employees, representatives, and service providers are subject to confidentiality obligations and will not disclose your Information unlawfully or unnecessarily. You may contact AMOURTRUST Credit Union Limited through the Application or by sending us an email at info@amourtrust.com  if you suspect that your Information may have been compromised.

Should you have any concerns regarding your personal information, or the manner or purpose for which it is processed, please contact AMOURTRUST Credit Union Limited’s Data Protection Officer at info@amourtrust.com .

AMOURTRUST Credit Union Limited may amend this Privacy Statement from time to time to remain compliant with any changes in the applicable laws and regulations, and/or to reflect how our business processes your Information. AMOURTRUST Credit Union Limited will notify you prior to the effect of any changes.

VERSION: December 2024