Privacy Policy

First Coop Multipurpose Cooperative Society ("FCMCS", "we", "us", or "our") operates the FCMCS Mobile application (the "App"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application.

1. Information We Collect

Personal Information

When you use our App, we may collect the following personal information:

• Identity Information: Full name, IPPIS/PL number, membership number, registration number
• Contact Information: Email address, phone number
• Employment Information: MDA (Ministry/Department/Agency), specialization, admission date
• Financial Information: Account balances, transaction history, loan information, savings records
• Banking Information: Bank name, account number (read-only display)
• Next of Kin Information: Name, relationship, phone number, date of birth

Automatically Collected Information

• Device information (device type, operating system)
• App usage data and analytics
• Login timestamps and session information

2. How We Use Your Information

We use the collected information for the following purposes:

• To provide and maintain the App's functionality
• To authenticate your identity and secure your account
• To display your cooperative account information and balances
• To process and track your financial transactions
• To send important notifications about your account
• To improve our App and user experience
• To comply with legal obligations

3. Data Storage and Security

We implement appropriate technical and organizational security measures to protect your personal information:

• Encryption: All data transmitted between the App and our servers is encrypted using 256-bit SSL/TLS encryption
• Secure Authentication: Access requires your unique IPPIS/PL number and passcode
• Session Management: Automatic session timeout for inactive users
• Server Security: Our servers are protected with industry-standard security measures

4. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• With Your Consent: When you explicitly authorize us to share information
• Legal Requirements: When required by law, regulation, or legal process
• Service Providers: With trusted service providers who assist in operating our App (under strict confidentiality agreements)
• Cooperative Operations: As necessary for legitimate cooperative society operations

5. Your Rights

As a member of FCMCS and user of our App, you have the following rights:

Right	Description
Access	Request access to your personal data held by us
Correction	Request correction of inaccurate personal data
Deletion	Request deletion of your data (subject to legal retention requirements)
Portability	Request a copy of your data in a portable format
Objection	Object to certain processing of your data

To exercise any of these rights, please contact the cooperative office.

6. Data Retention

We retain your personal information for as long as:

• You remain an active member of FCMCS
• Required by applicable laws and regulations
• Necessary for legitimate business purposes

Financial records are retained in accordance with Nigerian financial regulations and cooperative society requirements.

7. Children's Privacy

The FCMCS Mobile App is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. Membership in FCMCS is restricted to eligible adults.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by:

• Posting the new Privacy Policy on this page
• Updating the "Last Updated" date
• Sending a notification through the App (for significant changes)

9. Third-Party Services

Our App may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to read the privacy policies of any third-party services you access.

10. Cookies and Tracking

The FCMCS Mobile App does not use cookies. We may use anonymous analytics to improve the App's performance and user experience. This data is aggregated and does not identify individual users.