Privacy Policy

Effective Date: 8th March, 2025.

1. Introduction

Welcome to Bersama Cooperative Multipurpose Society ("Bersama," "we," "us," or "our"). We are committed to protecting your privacy and ensuring transparency in how we handle your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile application, and other services (collectively, the "Services").

By using our Services, you consent to the collection and use of your information as described in this Privacy Policy. If you do not agree with this Policy, please do not use our Services.

2. Information We Collect

We may collect and process the following types of information:

• Personal Information: Name, email address, phone number, date of birth, and other contact details.
• Financial Information: Bank account details, payment card information, and transaction details.
• Transaction Information: Investment activities, contributions, and other financial transactions.
• Device and Usage Data: IP address, device type, browser type, and usage patterns.
• Cookies and Tracking Technologies: Data collected via cookies and similar technologies to improve user experience and analyze trends.

3. How We Use Your Information

We use the collected information for the following purposes:

• To provide, operate, and improve our Services.
• To process transactions and manage accounts.
• To communicate with you, including sending notifications, updates, and promotional materials.
• To comply with legal and regulatory obligations.
• To prevent fraudulent activities and enhance security measures.

4. Sharing of Information

We do not sell or rent your personal information. However, we may share your information in the following cases:

• With Service Providers: We may share information with third-party vendors, financial institutions, and technical partners to provide and enhance our Services.
• For Legal Compliance: We may disclose your information to comply with applicable laws, regulations, or legal processes.
• In Business Transfers: If Bersama undergoes a merger, acquisition, or asset sale, your information may be transferred as part of the transaction.

5. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no internet-based service is completely secure, and we cannot guarantee absolute security.

6. Your Rights and Choices

You have the following rights concerning your personal data:

• Access and Correction: You may update or correct your personal information through your account settings.
• Opt-Out of Communications: You can opt-out of receiving promotional emails by following the unsubscribe instructions in our messages.
• Cookies Preferences: You may manage your cookie settings through your browser settings.

7. Children's Privacy

Our Services are not intended for children under the age of 18. We do not knowingly collect personal information from minors. If we learn that a child has provided us with personal information, we will take steps to delete such data.

8. Changes to This Privacy Policy

We may update this Privacy Policy periodically. If we make significant changes, we will notify you through our website, app notifications, or other appropriate means. Please review this Policy regularly for updates.

9. Contact Us

If you have any questions or concerns regarding this Privacy Policy or our data practices, please contact us at:

Bersama Cooperative Multipurpose Society
Email: info@bersamacoop.com