6. Marketing<\/strong><\/p>

We respect your preferences regarding the use of your Personal Data for marketing purposes. To ensure your control over your data, we have established the following mechanisms:<\/p>

Promotional offers from us: We may use your identity, contact, technical, usage, and profile data to assess your preferences and interests. This helps us determine which products, services, and offers may be of interest to you. You will receive marketing communications from us if you have requested information or used our products and services unless you have opted out of receiving such information.<\/p>

Third-party marketing: We may share your Personal Data with third parties for marketing purposes if we believe that the marketing information from such third parties will be relevant to you and if we have obtained your prior consent.<\/p>

Opting Out: You can ask us or third parties to stop sending you marketing messages at any time by writing to us, logging into the relevant website to adjust your marketing preferences, following the opt-out links on any marketing message sent to you, or by contacting us through the provided contacts.<\/p>

Please note that opting out of receiving marketing messages will not affect Personal Data provided to us as a result of product or service subscriptions, warranty registration, product or service experiences, or other transactions.<\/strong><\/p>

7. Transfer of Your Personal Data<\/strong><\/p>

The Kenya Bankers reserves the right to transfer your personal information to facilitate the execution, administration, and security of any product or service for which you have applied, or for any other purpose outlined in this privacy statement. Such transfers may involve disclosing personal data to regulatory or supervisory authorities, third-party contractors, subcontractors, as well as their subsidiaries and affiliates, who provide support to The Kenya Bankers in delivering its services.<\/p>

These third-party providers may engage their own subcontractors with access to personal data (sub-processors). It is our policy to exclusively engage third-party providers bound by contractual obligations to maintain appropriate levels of security and confidentiality. They are obligated to process personal information solely as directed by The Kenya Bankers and are required to extend these same obligations to their sub-processors.<\/p>

This ensures that your personal data is handled with the utmost care and in accordance with data protection regulations.<\/p>

8. Cross Border Transmission<\/strong><\/p>

Your data is primarily stored in our data centers located within your country. However, there may be occasions when we need to transfer your personal information outside your country. This includes countries that may not have laws providing specific protection to your personal data.<\/p>

When we transfer your information outside your country, we ensure that there are adequate data protection safeguards in place in the recipient country or we obtain your consent for the transfer of your personal information. Before transferring personal data outside your country, we ensure that the transfer complies with legal and regulatory standards.<\/p>

9. Cookies<\/strong><\/p>

The Kenya Bankers uses cookies and similar technologies on our websites, apps, and in our emails. Cookies are small text files stored on your computer when you visit certain web pages. These cookies are used to enhance your online experience and provide personalized features.<\/p>

Cookies perform various functions, such as allowing you to navigate between pages efficiently, remembering your preferences, and improving your overall online experience. They also help us understand how you interact with our emails, allowing us to improve our future email communications.<\/p>

You can control and manage cookies in your browser settings. Most web browsers allow you to accept or decline cookies or to receive a notification when a cookie is placed on your device. You can also disable social plugins by adjusting your browser settings or by not interacting with the social media features on our website.<\/p>

For more information on cookies, social plugins, and how we use them, please refer to the cookies and privacy policy on our websites and apps.<\/p>

10. Other disclosures<\/strong><\/p>

The Kenya Bankers may disclose your personal information as required by law, to enforce agreements, or to protect the rights, property, or safety of The Kenya Bankers, its clients, customers, employees, or others.<\/p>

The Kenya Bankers may disclose, respond, advise, exchange, and communicate personal data and\/or information in its possession relating to you outside The Kenya Bankers. This includes personal data obtained before, during, or after the SACCO-customer relationship, provided that such personal information is treated confidentially by the recipient. The purposes for such disclosure may include:<\/p>

1. To any of The Kenya Bankers entity or subsidiary, including any officer, employee, agent, delegate, or director of The Kenya Bankers.<\/li>
2. To any debt collection agency subscribed to us, credit reference agency or bureau, rating agency, correspondents, insurer, or insurance broker, direct or indirect provider of credit protection, and fraud prevention agencies.<\/li>
3. To your legal representative and their legal advisers, upon your death or mental incapacity.<\/li>
4. To any person authorized to operate your account and to act on your behalf in giving instructions or to perform any other acts under any agreement or use any product.<\/li>
5. To any court, tribunal, regulator, enforcement agency, exchange body, tax authority, or any other authority (including any authority investigating an offense) or their agents.<\/li>
6. To public authorities and institutions (e.g., Regulatory Authority, Financial Authorities, Law Enforcement Agencies).<\/li>
7. To other credit and financial services institutes or similar institutions, to which we transmit personal data that are necessary for the performance and processing of the business relationship. For instance, external lawyers, auditors, valuers, survey agencies)<\/li>
8. To other companies we partner with for risk controlling due to legal or official obligation.<\/li>
9. To your employer whereby savings and loan repayments originate through payroll intervention.<\/li>
10. To service providers who are processing personal data on behalf of The Kenya Bankers. Where processing of personal data is carried out on behalf of The Kenya Bankers, we conclude a separate contract with the processor with respect to this processing.<\/li><\/ol>

    11. Retention of Personal Data<\/strong><\/p>

    The Kenya Bankers adheres to data protection regulations regarding the retention of your personal data. We will retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, including the maintenance of an ongoing relationship with you.<\/p>

    Your personal data may be retained for up to seven (7) years, or as required by applicable laws and regulations. The Kenya Bankers has established specific records management and retention policies and procedures to ensure that personal data is securely deleted after a reasonable time.<\/p>

    12. Data Subject\u2019s Rights<\/strong><\/p>

    Subject to legal and contractual exceptions, you have rights under applicable laws regarding your Personal Data. These rights include:<\/p>

    1. The right to be informed about the collection and processing of your personal information.<\/li>
    2. The right to rectify inaccurate or incomplete personal data.<\/li>
    3. The right to withdraw consent to the processing of your personal data. However, we may continue processing for legitimate interests or legal grounds.<\/li>
    4. The right to object to processing of all or part of your personal data, except where obligated by law or entitled to do so.<\/li>
    5. The right to request erasure of your personal data held by us unless we are entitled or obliged by law to retain it.<\/li>
    6. The right to access your personal data in our possession.<\/li>
    7. The right to not be subjected to profiling or automated decision making regarding your Personal Data, unless obligated by law or entitled to do so.<\/li>
    8. The right to request your personal data to be processed in a restricted manner, unless entitled to or legally obliged.<\/li>
    9. The right to data portability in a manner we deem appropriate, such as electronic format.<\/li><\/ol>

       13. Exercising Your Data Protection Rights<\/strong><\/p>

       We are committed to ensuring that you can easily exercise your data protection rights in compliance with applicable regulations. To exercise any of the above rights, you can make a request through the Contact Us page on the website, or by contacting our Data Protection Officer (DPO) using the contact details provided in this Privacy Notice. If you believe that we have not adequately addressed your data protection concerns, you have the right to lodge a complaint with the appropriate regulatory authority.<\/p>

       We may need to request specific information from you to confirm your identity and ensure your right to access your Personal Data (or to exercise any of your other rights). This is a security measure to ensure that Personal Data is not disclosed to any person who has no right to receive it. We may also contact you to ask for further information to speed up our response.<\/p>

       We try to respond to all legitimate requests within a reasonable time. Occasionally, it could take us longer if your request is particularly complex or if you have made a number of requests. In such cases, we will notify you and keep you updated.<\/p>

       14. Security Assurance<\/strong><\/p>

       We have implemented robust security measures to protect your Personal Data against unauthorized access, alteration, disclosure, or loss. Access to your Personal Data is restricted to employees, agents, contractors, and other third parties who have a legitimate business need to access this information. These individuals are bound by confidentiality obligations and will only process your Personal Data according to our instructions.<\/p>

       Furthermore, we have established procedures to address any suspected personal data breaches. In the event of a breach, where legally required, we will notify you and the relevant regulatory authorities.<\/p>

       15. Changes to This Privacy Notice<\/strong><\/p>

       We reserve the right to update or modify this Privacy Notice at any time. We will notify you of any changes by posting the revised Privacy Notice on our website or through other appropriate means.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t \r\n \r\n \r\n \r\n \t\r\n\t\t\t<\/div>\r\n\t\t<\/section>\r\n\t\t\t\t

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       Privacy Notice Effective date \u2013 08th March, 2024 Data Privacy Notice Kenya Bankers Savings and Credit Co-operative Society Limited \u2013 The Kenya Bankers 1. Definition TKB\u00a0\u2013 refers to The Kenya Bankers Applicable Law\u00a0\u2013 All Acts of Parliament including regulations, rules, guidelines, guidance noted issued pursuant to the any Act of Parliament, legislative and regulatory requirements, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-8887","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.kenyabankers.coop\/wp-json\/wp\/v2\/pages\/8887","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kenyabankers.coop\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.kenyabankers.coop\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.kenyabankers.coop\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kenyabankers.coop\/wp-json\/wp\/v2\/comments?post=8887"}],"version-history":[{"count":207,"href":"https:\/\/www.kenyabankers.coop\/wp-json\/wp\/v2\/pages\/8887\/revisions"}],"predecessor-version":[{"id":10444,"href":"https:\/\/www.kenyabankers.coop\/wp-json\/wp\/v2\/pages\/8887\/revisions\/10444"}],"wp:attachment":[{"href":"https:\/\/www.kenyabankers.coop\/wp-json\/wp\/v2\/media?parent=8887"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}