Effective Date: 19 01 2025
Thank you for choosing our web and mobile platform (CHADVENT MPCS), which enables users to manage their financial transactions within a cooperative society, view balances, access statements, communicate with other members, and receive news updates. We are committed to safeguarding your privacy and handling your information in an open and transparent manner.
This Privacy Policy explains how we collect, use, store, and share your personal information, as well as your rights with respect to that information.
By using our Platform, whether via the website or the mobile application, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with any part of this policy, you should discontinue using the Platform.
Account Details: When you register or manage your account, we may collect personal data such as your name, phone number, and cooperative membership ID.
Financial Information: We collect details on your transactions, balances, statements, or savings records for the purpose of displaying and managing your cooperative finances.
Communication Data: If you choose to make phone calls to other members via the Platform, we may gather phone numbers, but no call audio is recorded.
Device Information: We may collect details about your mobile device (e.g., device model, operating system) and usage patterns to enhance your experience.
Cookies & Local Storage: The Platform may store small data files on your device (via Shared Preferences or SQLite) to remember preferences and enable offline access to your data.
We process your personal information to:
Provide Core Services: Display your balances, statements, and transaction history within the cooperative.
Facilitate Communication: Enable you to call other members and share relevant cooperative news.
Send Notifications: Keep you updated on new developments, events, and announcements.
Improve User Experience: Analyse user behaviour and feedback to refine our services, design, and functionalities.
Ensure Security: Monitor activity to detect and prevent fraud, unauthorised access, or other illegal activities.
Database Hosting: Your data is stored in a MongoDB database hosted on Mongo Atlas, while the backend endpoints are deployed on Heroku. We follow industry-standard security protocols (e.g., encryption in transit) to protect data from unauthorised access.
Local Storage: Some data is stored on your device using Shared Preferences and SQLite, which helps minimise reliance on constant backend connectivity and allows offline functionality.
Access Controls: We use role-based access to ensure only authorised personnel can view or handle user data.
Retention: Personal data is retained only for as long as necessary to fulfil the purposes outlined in this policy or as required by law.
We do not sell or rent your personal information. However, we may share information in the following circumstances:
Within the Cooperative: Relevant details may be shared with authorised members or administrators of the cooperative to facilitate financial transactions and record-keeping.
Service Providers: We may share certain data with trusted third parties who assist us in providing the Platform (e.g., hosting providers, payment gateways, analytics services). These third parties are bound by confidentiality obligations.
Legal Requirements: If required by law or if necessary to enforce our Terms of Service, protect our rights, or comply with a judicial proceeding, court order, or legal process, we may disclose your information.
Our Platform has no links to third-party websites or services (for instance, news channels or other resources).
Depending on the applicable laws, you may have the right to:
Access the personal data we hold about you.
Request Correction of any inaccurate or incomplete information.
Request Deletion of your personal data, subject to certain legal or contractual obligations.
Withdraw Consent: If we rely on your consent to process your data, you have the right to withdraw that consent at any time.
To exercise these rights, please contact us via the details provided in Section 10.
Our Platform is not specifically designed for children under the age of 13. We do not knowingly collect personal data from children without appropriate parental or guardian consent. If you believe a child’s personal data is processed on our Platform without proper consent, please contact us.
We may periodically revise this Privacy Policy to reflect changes in our services, legal requirements, or other operational needs. Any updates will be posted within the Platform or on our website, and the “Effective Date” at the top will indicate when the changes took effect. Your continued use of the Platform after any modifications indicates acceptance of the updated policy.
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:
Email: steveijatomi@gmail.com
Postal Address: ST4 7RX, Stoke-on-Trent, Staffordshire, United Kingdom
We are committed to addressing your queries promptly and resolving any complaints as efficiently as possible.
Thank you for taking the time to read this Privacy Policy. We appreciate your trust in our Platform and remain dedicated to safeguarding your data while helping you achieve financial well-being through cooperative engagement.