Effective date: 28 September 2026

1. Who we are

Oreoluwapo Ilaro Cooperative Thrift & Credit Union Ltd. ("Oreoluwapo", "we", "us", or "our") is responsible for personal information processed through this website, our member portal, and the cooperative services described in this policy.

2. Information we collect

Depending on your relationship with us, we may collect:

• identity and membership information, such as names, member numbers, photographs, dates of birth, signatures, and identification documents;
• contact and profile information, including addresses, telephone numbers, email addresses, employment or society details, nominees, and next-of-kin information;
• financial and transaction information, including savings, contributions, account balances, loans, repayments, income, expenses, and related supporting records;
• communications and service records, including support requests, emails, SMS records, preferences, and correspondence;
• account and technical information, such as login records, security verification details, IP addresses, device or browser information, and necessary session data; and
• any other information you voluntarily provide or that is reasonably required to deliver cooperative services.

3. How we obtain information

We obtain information directly from you, from your cooperative society or authorised representative, from transactions and service interactions, and automatically when you use our website or portal. We may also receive information from lawful public or verification sources where necessary.

4. Why we use personal information

We use personal information to administer membership; manage savings, loans, repayments, and accounts; verify identity; communicate with members; provide support; maintain accurate records; prevent fraud and protect our systems; back up and restore business records; comply with legal and regulatory duties; and improve our services.

5. Lawful bases

We process information where necessary to perform an agreement or provide requested services, comply with legal obligations, protect legitimate interests such as security and proper cooperative administration, protect vital interests where applicable, or act with your consent. Where processing depends on consent, you may withdraw it, although this will not affect earlier lawful processing.

6. When we share information

We may share information only as reasonably necessary with authorised staff and cooperative officers; your society or authorised representatives; technology, hosting, backup, email, SMS, and professional service providers; financial or verification partners involved in requested services; regulators, law-enforcement bodies, courts, or other authorities where legally required; and another organisation involved in a lawful restructuring or transfer.

Service providers are expected to use information only for authorised purposes and apply appropriate confidentiality and security measures. We do not sell personal information.

7. Storage and international transfers

Information may be stored in our systems, secured backups, or systems operated by approved service providers. Some providers may process information outside Nigeria. Where this occurs, we will take reasonable steps required by applicable law to ensure an appropriate basis and safeguards for the transfer.

8. Retention

We retain personal information only for as long as reasonably necessary for the purpose for which it was collected, to maintain cooperative and financial records, resolve disputes, enforce agreements, and meet legal, audit, tax, regulatory, security, and backup requirements. Retention periods vary by record type. Information is securely deleted or anonymised when it is no longer required, subject to lawful backup cycles.

9. Security

We use reasonable organisational and technical safeguards designed to protect personal information against loss, misuse, unauthorised access, alteration, or disclosure. These may include access controls, authentication, encryption for selected credentials and backups, logging, and restricted administrative permissions. No internet-based system is completely secure, so please protect your password and notify us promptly of suspected misuse.

10. Cookies and technical data

Our website may use cookies or similar technologies that are necessary for login sessions, security, preferences, and reliable operation. Your browser may allow you to block or delete cookies, but disabling necessary cookies can prevent parts of the portal from working correctly.

11. Your privacy rights

Subject to the Nigeria Data Protection Act 2023 and other applicable law, you may have the right to request access to or a copy of your information; request correction or deletion; object to or request restriction of certain processing; withdraw consent; request portability where applicable; and complain about how your information is handled. Some requests may be limited where we must retain information or protect another person's rights.

We may ask you to verify your identity before acting on a request. You may also lodge a complaint with the Nigeria Data Protection Commission.

12. Other websites and children's information

External websites linked from our site operate under their own privacy terms. Our online services are not directed at children acting independently. Where information about a minor is required for a lawful cooperative purpose, it should be supplied by or with the authority of a parent, guardian, or other authorised person.

13. Changes to this policy

We may update this policy to reflect changes in our services, practices, or legal obligations. We will publish the revised version here, update the effective date, and provide additional notice where a change is material.

14. Contact and requests

To ask a privacy question or exercise a privacy right, email info@oreoluwapoilarocoop.com.ng, call +234 815 127 3635, or write to Oreoluwapo Ilaro Cooperative Thrift & Credit Union Ltd., Udoji Road, along Odo-Aje Road, opposite Okobo Joint, Ilaro, Ogun State.