Privacy Policy

Privacy Policy

At Barbaza Multi-Purpose Cooperative, we are committed to safeguarding and preserving your privacy as a visitor to this website and as our customer.

This Privacy Policy is limited to information and data collected on this website, our online advertisements and electronic communications. Our Privacy Policy does not apply when you leave our website, including third-party websites where our online advertisements are displayed or links to thirdparty websites which we do not operate or control. Please read the privacy statements and terms and conditions of these third-party websites and decide whether they satisfactorily protect your rights.

This Privacy Policy explains what happens to any personal data that you provide to us, or that we collect from you when you visit our site.

By using this website, responding to our online advertisements and/or providing your Information, you consent to: (a) our use of Cookies (see section B below) and our use of your information as described in this Privacy Policy; and (b) the terms and conditions of this Privacy Policy. If you do not consent then please do not proceed further and do not provide your Information.

We do update this Policy from time to time so please do a review this Policy regularly.



In running and maintaining our website we may collect and process the following data about you:

  • Information about your use of our site including details of your visits such as pages viewed and the resources that you access. Such information includes traffic data, location data and other communication data.
  • Information provided voluntarily by you, when you:
      1. Submit an Online Loan Application;
      2. Send the Certificate of attendance to your personal email after watching the Online Pre-Membership Seminar;
      3. Submit an Online Membership Application; or
      4. Submit an Online KAYA Enrollment Application



Cookies provide information regarding the computer used by a visitor. We may use cookies where appropriate to gather information about your computer in order to assist us in improving our website. We may gather information about your general internet use by using the cookie. Where used, these cookies are downloaded to your computer and stored on the computer’s hard drive. Such information will not identify you personally. It is statistical data. This statistical data does not identify any personal details whatsoever. You can adjust the settings on your computer to decline any cookies if you wish. This can be easily done by activating the reject cookies setting on your computer.



We will treat your information as confidential. We will use good practices to keep it secure and will otherwise abide by the relevant data privacy laws.

We will use the information that we collect from you to provide our services to you. In addition to this, we may use the information for one or more of the following purposes

To provide information to you that you request from us relating to our products and services

To verify and investigate statements/information provided in the loan application form as may be required from references or from whatever other sources we may consider appropriate in connection with the loan/credit application/accommodation with the Cooperative.

To provide information to you relating to other products that may be of interest to you. Such additional information will only be provided where you have consented to receive such information.

To inform you of any changes to our website, services or goods and products.

Where your consent has been provided in advance and if you have previously purchased goods or services from us we may provide to you the details of similar goods or services, or other goods and services, that you may be interested in. Where such consent has been provided it can be withdrawn by you at any time.



In operating our website, we directly transfer the data you provide to our servers for processing and storing. We will retain your information for as long as the purpose for which we collected it continues. It is then destroyed unless further retention is required to satisfy a legal, regulatory, or accounting requirement or to protect our interests. By providing your personal data to us, you agree to this transfer, storing and processing. We will do our upmost to ensure that all reasonable steps are taken to make sure that your data is treated and stored securely.

We will safeguard information in accordance with established security standards and procedures of the Cooperative. We will continually assess new technology as available to further protect your privacy. Ensuring your security is a responsibility we share with you. However, while we do our share to ensure security, we acknowledge that your role is also equally important. To ensure the full protection of your transactions and the whole facility against unauthorized third parties, we urge you to do your share in protecting your information. Unfortunately the sending of information via the internet is not totally secure and on occasion, due to unavoidable circumstances, such information can be intercepted by unauthorized third parties. We cannot guarantee the security of data that you choose to send us electronically. Sending such information is entirely at your own risk. It is your responsibility to maintain the secrecy of any user ID and log-in password you hold, if any is required, to access the facility offered in our website.

In order to maintain the security of our systems, protect our staff, record transactions, and, in certain circumstances, to prevent and detect crime or unauthorized activities, we reserve the right to monitor all Internet communications including web and email traffic into and out of our domains.



We will not disclose your personal information to any other party other than in accordance with this Privacy Prolicy and in the circumstances detailed below:

  • Where we are legally required by law to disclose your personal information



While every care has been taken in preparing the information and materials contained in this website, such information and materials are provided to you ‘as is’ without warranty of any kind either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a particular purpose or freedom from computer virus is given in conjunction with such information and materials.



On occasion we include links to third parties on this website. Where we provide a link it does not mean that we endorse or approve that site’s policy towards visitor privacy. Kindly take the time to review their privacy policy before sending them personal data. Access to and use of such links to third parties on this website is at the user’s own risk and subject to any terms and conditions applicable to such access/use.

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