Privacy Policy

This Privacy Policy describes how we collect, use, disclose, and protect your information when you visit our website located at https://www.patnassacco.co.ke/ (the “Site”). By using the Site, you consent to the practices described in this Policy where consent applies. You may withdraw marketing consent at any time (see Section 5).

1. Information We Collect

We may collect the following types of information when you use our Site:

• Personal Information: Information that can identify you, which you provide when you contact us or submit an enquiry — such as your name, phone number, email address, and the contents of your message. If you submit a membership, loan or Lakwet enquiry, this may include your ID number, member number or parent/guardian details where you choose to provide them.
• Usage Data: Information about your interaction with the Site, including your IP address, device and browser type, operating system, pages visited, and the time and date of your visits.
• Cookies and Tracking Technologies: We use cookies and similar technologies to operate the Site, remember your preferences and (with your consent) analyse usage. Manage choices via our cookie banner or Cookie Settings link. See our Cookie Policy for details.

Please do not include your *879# PIN, M-PESA PIN or passwords in website forms — we will never ask for them.

2. How We Use Your Information

We use the information collected through the Site for the following purposes:

• To respond to your enquiries and pass membership, loan or welfare enquiries to the relevant team or branch
• To provide, operate, and maintain our Site
• To improve, personalize, and expand our Site and content
• To communicate with you, including customer service and support responses
• To find and prevent fraud and to secure our Site
• To send product or event updates only with your consent — reply STOP to opt out at any time
• To comply with legal obligations relating to the Site

We keep website enquiry records for up to 3 years and website logs for up to 12 months, unless the law requires a longer period. If your website enquiry leads to SACCO membership, your details become part of your membership record, which is then governed by our Member Privacy Notice.

3. Sharing of Your Information

We do not sell or rent your Personal Information to third parties. We may share information collected through the Site with:

• Our Branches and Teams: To respond to your enquiry where it relates to a product, branch or service.
• Legal Requirements: If required by law or in response to valid requests by public authorities (e.g. a court or government agency).
• Business Transfers: If we are involved in a merger, acquisition, restructuring or asset sale, your information may be transferred as part of that transaction, only as permitted by law and with continued protection.

4. Security of Your Information

We implement reasonable security measures to protect your information from unauthorized access, use, alteration, or disclosure. However, no method of transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee its absolute security.

You can help by using your own device, avoiding public computers for sensitive enquiries, and reporting suspicious messages claiming to be Patnas SACCO on +254 720 938 233.

5. Your Data Protection Rights

Under Kenya's Data Protection Act, 2019, you have the following rights regarding information we hold about you through the Site:

• The right to access the information we have on you and get a copy
• The right to rectification (correction of inaccurate information)
• The right to deletion/erasure (subject to legal retention duties)
• The right to object to certain processing, including direct marketing
• The right to restrict processing in certain circumstances
• The right to data portability
• The right to withdraw consent at any time
• The right to complain to the Office of the Data Protection Commissioner (ODPC)

If you submit a child's details through the Site (for example, a Lakwet enquiry), please confirm you are the parent or lawful guardian; the guardian may exercise the child's rights.

To exercise any of these rights, contact our Data Protection Officer at info@patnassacco.co.ke, +254 720 938 233, or P.O. Box 601-20210 Litein. We may ask for ID to verify you and will respond within 14 days or explain any lawful extension.

ODPC complaints: complaint@odpc.go.ke • 020 780 1800 • https://odpc.go.ke/file-a-complaint/

6. Links to Other Websites

Our Site may contain links to other websites that are not operated by us (such as WhatsApp chat, maps or video embeds). We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

7. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page with a new Effective Date. You are advised to review this Privacy Policy periodically for any changes.

8. Contact Us

If you have any questions about this Website Privacy Policy, please contact us at:

• Patnas SACCO Society Limited, P.O. Box 601-20210 Litein, Kenya — Head Office: Litein
• Telephone / WhatsApp: +254 720 938 233
• Email: info@patnassacco.co.ke
• Website: https://www.patnassacco.co.ke/