Privacy Policy

1. Information We Collect

We may collect the following categories of personal information:

• Identification details: Full name, national identification number, date of birth.
• Contact details: Postal address, physical address, phone number, email address.
• Financial information: Pension contributions, bank account details, loan or benefit details.
• Beneficiary details: Names, relationship, contact details, identification numbers.
• System usage data: IP addresses, browser type, device information, and usage patterns when you use our online services.

2. How We Collect Your Information

• Direct interactions: Forms you fill out, applications you submit, correspondence via email, phone, or in person.
• Employer submissions: Data provided by your employer for pension contribution and benefits management.
• Third parties: Government agencies, financial institutions, or service providers (only where lawful).
• Automated technologies: When you interact with our website or mobile applications.

3. How We Use Your Information

• Administering pension contributions and benefits.
• Processing retirement, survivor, or disability claims.
• Maintaining accurate membership records.
• Communicating with members regarding their accounts, benefits, and policy changes.
• Complying with legal and regulatory obligations.
• Improving our services and systems.

4. Legal Basis for Processing

• Performance of a contract: To fulfil our obligations to members under pension fund agreements.
• Legal obligation: Compliance with applicable laws and regulations.
• Legitimate interests: Improving service delivery and ensuring the security of our systems.
• Consent: In certain cases where required by law, we will request your explicit consent.

5. Data Sharing and Disclosure

We may share your personal information with:

• Government agencies and regulators.
• Financial institutions for processing payments.
• Your employer for contribution and benefits administration.
• Service providers assisting with IT, data storage, communication, or auditing.
• Legal or professional advisors.

We will never sell your personal data to third parties.

6. Data Storage and Security

We take reasonable and appropriate measures to protect your personal data against loss, theft, misuse, unauthorized access, disclosure, alteration, and destruction. This includes:

• Secure servers and encrypted data transmission.
• Access controls and authentication mechanisms.
• Regular security audits and system monitoring.

7. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes outlined in this policy and comply with legal obligations. When data is no longer required, we securely delete or anonymize it.

8. Your Rights

Depending on applicable laws, you may have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you.
• Correction: Request corrections to inaccurate or incomplete data.
• Deletion: Request the deletion of your personal data, subject to legal requirements.
• Objection: Object to certain types of data processing.

9. Cookies and Online Tracking

Our website may use cookies and similar technologies to improve your experience and analyze usage patterns. You can manage cookie preferences in your browser settings.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. The updated policy will be posted on our website with the effective date.

11. Contact Us