Postbank Housing Co-operative Society Ltd
- Introduction
Postbank Housing Co-operative Society Ltd (“the Society”) is committed to protecting the privacy and confidentiality of personal data entrusted to us. This statement outlines how we collect, use, store, and share personal data in compliance with the Kenya Data Protection Act, 2019.
- Scope
This statement applies to all members, employees, service providers, and other stakeholders whose personal data is processed by the Society.
- What Data We Collect
We may collect and process the following categories of personal data:
- Identification Data: Full name, ID/passport number, KRA PIN, date of birth, and photos.
- Contact Information: Phone number, email address, postal address.
- Financial Data: Bank account details, loan history, savings records, payment transactions.
- Employment Data: Employer name, job title, income verification (e.g., payslips).
- Digital Data: IP address, device identifiers, access logs from our digital platforms.
- Surveillance Data: CCTV footage and recorded communications for security and quality assurance.
- How We Use Your Data
We process personal data for the following purposes:
- To manage membership records and provide financial services.
- To assess loan applications and creditworthiness.
- To communicate with members regarding services, updates, and obligations.
- To comply with legal and regulatory requirements (e.g., SASRA, KRA).
- To detect and prevent fraud, money laundering, and other criminal activities.
- To improve service delivery and member experience.
- Legal Basis for Processing
We process personal data based on:
- Consent: For marketing communications and optional services.
- Contractual Necessity: To fulfill obligations under membership and loan agreements.
- Legal Obligation: Compliance with statutory and regulatory requirements.
- Legitimate Interest: For internal operations, analytics, and service improvement.
- Data Sharing
We may share personal data with:
- Regulatory bodies (e.g., SASRA, KRA, CBK).
- Credit reference bureaus.
- Law enforcement agencies when required by law.
- Authorized service providers (e.g., IT support, mobile platforms).
- Legal representatives or agents acting on your behalf.
We do not sell or share personal data for third-party marketing purposes.
- Data Retention
Personal data is retained only as long as necessary for the purposes stated above, or as required by law. Once no longer needed, data is securely deleted or anonymized.
- Your Rights
You have the right to:
- Access your personal data.
- Request correction or deletion.
- Withdraw consent at any time.
- Object to certain types of processing.
- Lodge a complaint with the Office of the Data Protection Commissioner (ODPC).
- Data Transfers Outside Kenya
Where necessary, personal data may be transferred outside Kenya under strict safeguards and in compliance with the Data Protection Act.
- Contact Us
For questions, requests, or complaints regarding your personal data, please contact:
Data Protection Officer
Postbank Housing Co-operative Society Ltd
📍Postbank House, Banda Street, Nairobi
📞 +254 (0)716 163034 / +254 (0)707 201309