Mariakani Mabati Sacco Limited (“us”, “we”, or “our”) is a Sacco regulated by SASRA to offer financial services. We operate the www.mmsacco.co.ke website, which provides more information about us, our various services/facilities, and the KWARA Mobile Application (the “Service”).
We are committed to protecting the privacy and security of your personal information. This Privacy Policy outlines how we collect, use, and safeguard the information you provide to us when you use our Kwara Mobile App. By accessing or using our platform, you agree to the terms of this Privacy Policy.
1. Information We Collect
As an organization, we take our responsibility regarding managing our stakeholders’ data very seriously. This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Services sets out how we manage our responsibility in the use of your data and the choices you have associated with that data.
We use your data to provide and improve the Services. By using these Services, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Data Privacy Policy, terms used in this Data Privacy Policy have the same meanings as in our Terms and Conditions. While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send.
We collect several different types of information for various purposes in order to provide and improve our Service to you including Names, I.D./Passport Number, Date of Birth, Gender, Marital Status, Property Details, Postal Address, and Telephone Number. Some of the purposes for which we collect and process your data include:
- To provide and maintain our Service.
- To notify you about changes to our Service.
- To allow you to participate in interactive features of our Service when you choose to do so.
- To provide member support.
- To gather analysis or valuable information so that we can improve our Service.
- To monitor the usage of our Service.
- To detect, prevent, and address technical issues.
- To provide you with news, special offers, and general information about other goods, services, and events that we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information.
Mariakani Mabati Sacco Limited may disclose your Personal Data in the good faith belief that such action is necessary to:
- To comply with a legal obligation.
- To protect and defend the rights or property of Mariakani Mabati Sacco Limited.
- To prevent or investigate possible wrongdoing in connection with the Service.
- To protect the personal safety of users of the Service or the public.
- To protect against legal liability.
2. Information Sharing
We may share your personal information with third parties, such as our service providers, business partners, and regulatory authorities, to facilitate the provision of our Mobile Banking Facility services and to comply with legal obligations.
We don’t sell, rent, or lease your personal information to third parties for their marketing purposes without your clear consent.
Mariakani Mabati Sacco Limited will retain your Data only for as long as is necessary for the purposes set out in this Data Privacy Policy. We will retain and use your Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
As a Data Subject, you have the following rights as set out in the Data Protection Act No. 24 of 2019:
- The right to be informed of the use of your information/data.
- The right to access, update, or delete the information or data in our custody.
- The right of rectification. You have the right to have your information/data rectified, or deleted if that information is misleading, inaccurate or incomplete.
- The right to object. You have the right to object to our processing of your Personal Data.
- The right of restriction. You have the right to request that we restrict the processing of your personal information.
- The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable, and commonly used format.
- The right to withdraw consent. You also have the right to withdraw your consent at any time when Mariakani Mabati Sacco Limited relies on your consent to process your personal information, without any detriment to your interests.
Please note that we may ask you to verify your identity and provide signed instructions before responding to such requests.
3. Data Security
We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction.
While we strive to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee its absolute security.
Our website uses cookies. Cookies are small files stored on your computer’s hard drive which are used to collect your personal information. You may choose to refuse cookies but, if you do so, some of the functionality of the Website may no longer be available to you.
For more information about cookies, including further details as to what they are and how to refuse them, please see our Cookies Policy.
4. Updating this Privacy Policy
We reserve the right to amend or modify this statement at any time. Any amendment or modification to this statement will take effect from the date of uploading on our website.
We encourage you to review this Privacy Policy periodically to stay informed about how we collect, use, and protect your information.
5. Right to Lodge a Complaint
In case you have any questions or concerns regarding this Privacy Policy, or would like to exercise any of your rights under this policy, you can talk to our Data Protection Officer via phone at 0720 220 978 or email: info@mmsacco.co.ke” or,
If you believe that Mariakani Mabati Sacco Limited has infringed your data protection rights or if you are dissatisfied with how we handle your data, you have the right to lodge a complaint with the Office of the Data Protection Commissioner (ODPC) at https://www.odpc.go.ke/