Privacy Policy

Muhame Financial Services Co-operative Ltd ("Muhame Financial Services", "we", "us") respects your privacy. This Privacy Policy explains what personal information we collect through our website, muhame.co.ug, why we collect it, and the choices and rights you have. We handle personal data in line with the Data Protection and Privacy Act, 2019 of Uganda and its regulations.

Who we are

Muhame Financial Services Co-operative Ltd is a member-owned savings and credit co-operative (SACCO) based at Plot 13, Kabwohe-Masheruka Road, Sheema Municipality, Sheema District. For any privacy question or request, contact us at info@muhame.co.ug or +256772571306.

Information we collect

• Information you give us — when you use our contact form we collect your name, email address, phone number (optional), the subject and your message.
• Job applications — when you apply for an opportunity online we collect your name, email address, phone number, cover note and CV, and use them only to consider your application.
• Technical information — when you send a message we record your device's IP address to protect the form against spam and abuse. Like most websites, our hosting provider also keeps standard server logs (IP address, browser type, pages requested and time of visit) for security and troubleshooting.
• Cookies — we use only a small number of cookies. See our Cookie Policy for details.

This website does not collect your account, savings or loan information. Information you provide as a member at our branches is handled under our member account terms and the same law.

How we use your information

• To reply to your enquiries and provide the information or service you asked for.
• To keep our website and services secure, including detecting and preventing spam and misuse.
• To improve our website and the services we offer our members and communities.
• To meet our legal and regulatory obligations.

We process your information because you have asked us to (for example by sending a message), because it is necessary for our legitimate interests in running a safe and useful website, or because the law requires it. We do not use your information for automated decision-making.

Sharing your information

We do not sell, rent or trade your personal information. We only share it with:

• Service providers who help us run the website, such as our web hosting company, under agreements that require them to keep it secure and confidential.
• YouTube (Google), only if you choose to play an embedded member video.
• Google Analytics, only if you allow analytics cookies.
• OpenStreetMap, which supplies the branch map on our Contact page and receives your device's IP address when the map loads.
• Regulators, law-enforcement agencies or courts where the law requires us to.

How long we keep information

We keep messages sent through the contact form for as long as needed to respond and for our records, and then delete them. Job applications are kept until recruitment for that role has finished and are then deleted. Server logs are kept for a limited period for security purposes.

How we protect your information

We use appropriate technical and organisational measures to protect personal information, including restricted, password-protected access to our administration area, protection against automated attacks, and secure handling by trained staff. No method of transmission over the internet is completely secure, but we work to protect your information and review our safeguards regularly.

Your rights

Under the Data Protection and Privacy Act, 2019 you have the right to:

• ask whether we hold personal information about you and get a copy of it;
• ask us to correct information that is inaccurate or incomplete;
• ask us to delete information we no longer have a lawful reason to keep;
• object to, or ask us to stop, processing your information;
• withdraw any consent you have given, at any time.

To exercise any of these rights, contact us at info@muhame.co.ug or +256772571306. We may need to confirm your identity first. If you are not satisfied with our response, you may complain to the Personal Data Protection Office (PDPO) of Uganda.

Children

Our website is not aimed at children. Accounts for minors are opened at our branches by a parent or guardian.

Links to other websites

Our website may link to other websites, such as our social media pages and partners. We are not responsible for their privacy practices, so please read their privacy policies.

Changes to this policy

We may update this Privacy Policy from time to time. The date at the top shows when it was last updated.