United Enterprise Credit Union Limited (“UECUL”, “the Credit Union”, “we”, “our”, “us”) is committed to safeguarding the privacy and confidentiality of your personal information. This Privacy Policy outlines how we collect, use, store, share, and protect your data in accordance with the Data Protection Act, 2019 of Barbados and our duty of care to members. By applying for membership, using our products and services, or accessing our website, you consent to the practices described in this Privacy Policy.
1. Information We Collect
We collect personal information necessary to provide financial and membership services, including but not limited to:
-
Identification Details – Full name, date of birth, gender, National ID, passport, driver’s licence, TRN.
-
Contact Details – Residential and mailing address, email, telephone numbers.
-
Financial Details – Employment information, income, salary slips, tax data, bank references, credit history.
-
Membership & Transaction Records – Account activity, loan applications, savings history, deposits, withdrawals, and payment history.
-
Supporting Documents – Utility bills, proof of address, references, insurance details, legal agreements.
-
Digital Information – When using our website or online services, we may collect technical details such as IP address, device type, and browsing activity.
2. How We Collect Information
We collect personal data:
-
Directly from you when you apply for membership, loans, or services.
-
From employers, guarantors, referees, or other financial institutions.
-
Through credit bureaus, regulators, or other legally authorized third parties.
-
Automatically through your interactions with our website and online platforms.
3. Purpose of Collection
Your data is collected and used for the following purposes:
-
To process membership applications and maintain your account.
-
To evaluate and approve loan applications.
-
To comply with legal, regulatory, and statutory obligations (including Anti-Money Laundering and Know-Your-Customer requirements).
-
To communicate with you regarding your account, services, and Credit Union matters.
-
To improve our services, operations, and member experience.
-
To detect and prevent fraud, financial crime, or unauthorized use of our services.
-
For internal reporting, auditing, and risk management.
4. Sharing of Information
We may share your personal data only where necessary and lawful, including with:
-
Regulatory authorities, law enforcement, or courts.
-
Credit bureaus and other financial institutions.
-
Auditors, insurers, legal advisers, and other professional service providers.
-
Service providers contracted to support our operations (e.g., IT systems, payment processing).
UECUL will never sell or rent your personal data to third parties.
5. Data Retention
We retain your information for as long as necessary to fulfill the purposes outlined in this Policy, and as required by law, regulation, or cooperative principles.
6. Security of Your Information
We implement appropriate administrative, technical, and physical safeguards to protect your personal data against loss, misuse, unauthorized access, alteration, or disclosure.
7. Your Rights as a Member
In line with the Data Protection Act, 2019, you have the right to:
-
Access the personal data we hold about you.
-
Request correction of inaccurate or incomplete information.
-
Request deletion of personal data where legally permissible.
-
Restrict or object to certain forms of data processing.
-
Withdraw consent for marketing communications at any time.
Requests can be made in writing to the Credit Union (see Section 9).
8. Use of Website & Online Services
When visiting our website, we may use cookies or similar technologies to enhance your browsing experience. Data collected may include IP address, device type, and browsing patterns. You can adjust your browser settings to refuse cookies, though this may limit functionality.
9. Contact Us
For questions, concerns, or requests relating to your personal information or this Privacy Policy, please contact:
United Enterprise Credit Union Limited
Upstairs Pearson’s Pharmacy, Upper Collymore Rock, St. Michael
Tel: (246)426-4267
Email: info@uecul.org
10. Updates to this Policy
UECUL reserves the right to amend or update this Privacy Policy as necessary to reflect changes in law, regulation, or operational practices. Updates will be posted on our website and made available at our office.