Data Privacy
  1. Home
    2.  
  2. Data Privacy Policy

UBORA REGULATED NON-WDT SACCO SOCIETY LTD

Data Privacy Policy

Ubora Regulated Non-WDT Sacco Society Ltd (“Ubora SACCO”, “we”, “our”, or “us”) is a Savings and Credit Cooperative regulated by the Sacco Societies Regulatory Authority (SASRA). We operate the website www.uborasacco.co.ke which provides more information about us and our various services or facilities.

We are committed to protecting the privacy, dignity, and data rights of our members, staff, and stakeholders. This Data Privacy Policy outlines how we collect, use, disclose, and safeguard your personal data when you interact with our services.

1. Scope of This Policy

This policy applies to all digital platforms operated by Ubora SACCO, including:

  • The Ubora SACCO Member Portal
  • SMS and mobile integrations
  • Email communications and feedback forms
  • Mobile banking service
  • Any other digital services offered by Ubora SACCO

By using these services, you agree to the collection and use of your information in accordance with this policy and our Terms and Conditions.

2. Data We Collect

We may collect several different types of information for various purposes in order to provide and improve our Service to you, including:

  • Full Name
  • ID/Passport Number
  • Date of Birth
  • Gender and Marital Status
  • Biometric Data (where applicable)
  • Contact Information (Postal Address, Phone Number, Email)
  • Employment and Property Details
  • SACCO Account and Transaction History

3. Purpose of Data Collection

We collect and process your data to:

  • Provide, maintain, and improve our services
  • Facilitate secure access to the Member Portal
  • Notify you of service updates or changes
  • Support member inquiries and feedback
  • Enable participation in SACCO campaigns and interactive features
  • Monitor service usage and detect technical issues
  • Share relevant offers, updates, and educational content (with opt-out options)

4. Member Communications and Consent

Unless otherwise defined in this Data Privacy Policy, terms used herein carry the same meaning as in our Terms and Conditions.

While using Ubora SACCO digital services, we may request certain personally identifiable information (“Personal Data”) to verify your identity, facilitate service delivery, and enhance member engagement.

We may use your Personal Data to contact you with SACCO updates, educational content, campaign alerts, or promotional materials aligned with your interests. These communications may include:

  • Newsletters and financial tips
  • Product and service updates
  • Special offers or member events
  • Invitations to participate in surveys or feedback forums

You may opt out of receiving non-essential communications at any time by:

  • Clicking the unsubscribe link in our emails
  • Replying STOP to SMS messages
  • Updating your preferences in the Member Portal
  • Contacting Member Services directly

Your decision to opt out will not affect your access to core SACCO services or your membership status.

5. Data Sharing and Disclosure

Ubora SACCO may disclose your personal data in good faith when necessary to:

  • Comply with legal or regulatory obligations
  • Protect SACCO assets, systems, or member interests
  • Investigate suspected fraud or service misuse
  • Respond to emergencies or protect public safety
  • Enforce SACCO policies or resolve disputes

We do not sell or rent your personal data to third parties.

6. Data Retention

We retain your personal data only as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, and support SACCO operations. Data may be archived securely for audit, compliance, or historical reference.

7. Your Rights as a Data Subject

In accordance with the Data Protection Act No. 24 of 2019, you have the right to:

  • Be informed about how your data is used
  • Access, update, or delete your personal data
  • Rectify inaccurate or incomplete data
  • Object to our processing of your Personal Data
  • Request restriction of processing of your personal information
  • Receive your data in a commonly used portable format
  • Withdraw consent at any time without penalty

To exercise these rights, please contact our Data Protection Officer. We may request identity verification before processing your request.

8. Policy Updates

Ubora SACCO may update this Data Privacy Policy from time to time by posting the new Data Privacy Policy on our website. Changes will be communicated via:

  • Notices on the Member Portal
  • Email or SMS alerts (where applicable)
  • Updated “Effective Date” at the top of this policy

9. Contact Us

If you have questions, concerns, or would like to exercise your data rights, please reach out to our Data Protection Officer:

Effective Date: See latest version published on our website.