SNAT SACCO Privacy Policy

SNAT SACCO is a savings and credit co-operative that is equally owned by its members and is registered in terms of section 4 (a) and (b) of the Co-operatives Societies Act No.5 of 2003 under certificate number 150. The SACCO is licensed by the Financial Services Regulatory Authority under certificate no: SACCO17/2014. We are the Data Controller for the personal data we collect and process.

If you have any questions about this Privacy Statement, please contact our Data Protection Officer at:
Email: senamile.nhlabatsi@snatsacco.co.sz
Phone: 78024889
Address: 2nd floor SNAT SACCO building. Mancishane Street

We may collect the following categories of personal information:

• Full name, date of birth, gender, ID number
• Contact details (e.g. phone number, email address, physical address)
• Employment information
• Financial and transactional data
• Beneficiary or next of kin details
• Login credentials (for online/mobile platforms)
• CCTV footage when visiting our premises

We collect personal data:

• Directly from you (e.g., during onboarding, loan applications, or inquiries)
• Through our website or mobile platforms
• From third parties (e.g., employers, service providers, or regulators)

We use your data for the following purposes:

• To process membership and manage your account
• To provide loans, savings, and other SACCO services
• To verify your identity and prevent fraud
• To comply with legal and regulatory obligations
• To communicate with you and respond to your inquiries
• To improve our services and operations

We only process your personal data when there is a legal basis to do so, including:

• Your consent
• Fulfilling a contract with you
• Compliance with legal obligations
• Our legitimate interests, provided your rights are not affected

We may share your personal data:

• With authorized SACCO staff and third-party service providers (e.g. auditors, IT vendors) under strict confidentiality agreements
• With Credit reference bureaus for loan assessments
• With regulatory authorities when legally required
• Regulatory bodies (e.g., ESCCOM, FSRA, and eSwatini Cooperatives Societies)

All third parties are contractually required to protect your data and only use it for agreed purposes.

We implement appropriate technical and organizational security measures, including:

• Data encryption
• Access controls
• Staff training
• Regular audits and system monitoring

Under the Data Protection Act 2022, you have the right to:

• Access, correct or update your personal information
• Request deletion (in certain cases) where legally permissible
• Opt- out of marketing communications
• Withdraw consent at any time
• Lodge a complaint with the regulator
• Right to be forgotten by the SACCO

To exercise your rights, contact us at 25056920

DATA RETENTION: We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, or as required by law.

UPDATES TO THIS STATEMENT: We may update this Privacy Statement from time to time. The latest version will always be available on our website or at our office in Manzini.

If you believe your data has been mishandled, please contact our Data Protection Officer at 78024889/ 25056920. You also have the right to lodge a complaint with the Eswatini Data Protection Authority (ESCCOM).

By interacting with SNAT SACCO, you acknowledge that you have read and understood this Privacy Statement.

THANK YOU FOR TRUSTING SNAT SACCO WITH ALL YOUR FINANCIAL NEEDS