At Al-Khair Microfinance Co-operative, we value and respect your privacy. This Privacy Policy outlines how we collect, use, and safeguard your personal information when you interact with our website and services.

1. Information We Collect
We may collect the following types of information:

Personal Information: Name, address, phone number, email address, date of birth, and identification documents (when you apply for loans or membership).
Financial Information: Bank account details, income sources, and credit history (for loan assessments).
Technical Information: IP address, browser type, and device information when you visit our website.
Usage Data: Pages visited, time spent on the website, and interactions with site features.
2. How We Use Your Information
We use the collected information for:

Processing membership applications and loan requests.
Providing interest-free financial services.
Communicating with you regarding your account or inquiries.
Ensuring compliance with legal and regulatory requirements.
Improving our website’s functionality and user experience.
3. Sharing of Information
We respect your privacy and ensure your data is protected. We may share your information only under the following circumstances:

Regulatory Compliance: With government authorities as required by law.
Service Providers: With trusted third-party partners for secure data processing and IT support.
Legal Obligations: If necessary to protect the rights, property, or safety of Al-Khair, its members, or others.
We do not sell or trade your personal data to third parties.

4. Data Security
We implement appropriate technical and organizational measures to safeguard your data against unauthorized access, alteration, disclosure, or destruction.

5. Your Rights
You have the right to:

Access, update, or correct your personal data.
Request the deletion of your data, subject to legal and regulatory obligations.
Opt-out of non-essential communications.
To exercise your rights, contact us at [rameshsharma6748@gmail.com]

6. Cookies & Tracking
Our website uses cookies to enhance user experience and gather analytics data. You can manage cookie preferences through your browser settings.

7. Changes to This Privacy Policy
We may update this Privacy Policy periodically. Any changes will be posted on this page with an updated effective date.

8. Contact Us
For any questions or concerns regarding this Privacy Policy, please contact us at:

📧 [rameshsharma6748@gmail.com]