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Besania SACCO Ltd. respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, store, and safeguard information collected through our website.

1. Information We Collect We may collect:

  • Name
  • Postal and physical address
  • Telephone number
  • Email address
  • National ID or membership details where required
  • Loan and savings application information
  • Technical information such as IP address, browser type, device information, cookies, and pages visited.

2. How We Use Your Information

We use your information to:

  • Process membership applications.
  • Process loan and savings requests.
  • Respond to enquiries.
  • Improve our website and services.
  • Send service notices and updates.
  • Comply with legal and regulatory obligations.

3. Cookies

Our website may use cookies to improve functionality, remember preferences, and analyse website traffic. You may disable cookies through your browser, although some features may not function properly.

4. Information Sharing

We do not sell your personal information. We may share information with regulators, service providers acting on our behalf, or where required by law.

5. Data Security

We implement reasonable administrative, technical, and organisational measures to protect personal information from unauthorised access, alteration, disclosure, or destruction.

6. Data Retention

Personal information is retained only for as long as necessary to provide services, meet legal obligations, resolve disputes, and enforce agreements.

7. Your Rights

Subject to applicable law, you may request access to, correction of, or deletion of your personal information where appropriate.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices or content.

9. Children’s Privacy

Our services are not directed to children unless permitted by applicable law and with appropriate consent where required.

10. Changes to this Policy

We may update this Privacy Policy from time to time. The latest version will always be published on our website.


This Privacy Policy should be read together with our Terms and Conditions.