Privacy Policy

Information We Collect

Jatan Bachat Samuha collects information necessary to provide our financial services and maintain accurate records. The types of information we collect include:

• Personal Information: Name, address, phone number, email address, date of birth, and identification documents
• Financial Information: Contribution history, loan records, transaction details, and account balances
• Meeting Information: Attendance records and participation in group decisions
• Contact Information: Emergency contacts and nominee details

How We Use Your Information

We use the collected information for the following purposes:

• Processing membership applications and maintaining member records
• Managing contributions, loans, and other financial transactions
• Communicating important updates, meeting notices, and policy changes
• Ensuring compliance with regulatory requirements and internal policies
• Providing customer support and resolving member inquiries
• Maintaining accurate financial records and generating reports

Information Security

We implement appropriate security measures to protect your personal and financial information:

• Physical Security: All paper records are stored in locked cabinets with restricted access
• Digital Security: Electronic records are password-protected and encrypted
• Access Control: Only authorized personnel have access to member information
• Regular Audits: We conduct regular reviews of our security practices
• Member Confidentiality: All members are required to maintain confidentiality of other members' information

Information Sharing

We do not sell, trade, or otherwise transfer your personal information to third parties, except in the following limited circumstances:

• Legal Requirements: When required by law or court order
• Group Transparency: Financial summaries shared during member meetings (individual details remain confidential)
• Nominee Information: Shared with designated nominees as authorized by the member
• Regulatory Compliance: Reports to relevant authorities as required by law

Your Rights

As a member of Jatan Bachat Samuha, you have the following rights regarding your personal information:

• Access: Request access to your personal and financial records
• Correction: Request correction of inaccurate or incomplete information
• Updates: Update your contact and personal information as needed
• Withdrawal: Request deletion of your records upon membership termination (subject to legal retention requirements)
• Complaints: File complaints about privacy practices with the organization leadership

Data Retention

We retain your information for as long as necessary to provide services and comply with legal requirements:

• Active member records are maintained throughout membership
• Financial transaction records are retained for a minimum of 7 years
• Meeting minutes and attendance records are maintained permanently
• Former member records are archived but may be accessed for legitimate business purposes

Contact Us

Policy Updates

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we make changes:

• We will notify all members of significant changes
• The updated policy will be available for review
• Continued membership constitutes acceptance of the updated policy
• Members will have the opportunity to discuss changes during regular meetings