Who We Are
Our website address is: https://startupccu.com. Startups Cooperative Credit Union (StartCCU) is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, and protect your data when you visit our website or use our services.
What Personal Data We Collect and Why We Collect It
Membership and Loan Applications
When you apply for membership or a loan, we collect personal details such as your name, email, phone number, business information, identification documents, and financial history. This information is used to verify your identity, process your application, and provide financial services.
Comments
When visitors leave comments on the site, we collect the data shown in the comments form, along with the visitor’s IP address and browser user agent string to help spam detection.
Media
If you upload images to the website (e.g., as part of your profile or documentation), please avoid uploading images with embedded location data (EXIF GPS). Visitors to the website can download and extract any location data from images.
Cookies
We use cookies to improve your browsing experience. If you leave a comment on our site, you may opt-in to saving your name, email address, and website in cookies for convenience. Login and session cookies are also created to manage user accounts. These cookies do not store sensitive personal data.
Embedded Content from Other Websites
Our website may include embedded content (e.g., videos, articles, social media posts). Embedded content from other websites behaves in the same way as if the visitor has visited the other website, which may collect data and track your interaction. We encourage you to review their privacy policies.
Analytics
We use analytics tools to understand how visitors interact with our site. This helps us improve services, track website performance, and provide a better experience. Data collected is anonymized where possible.
Who We Share Your Data With
Your data is kept confidential and is not shared with third parties unless required for regulatory compliance, fraud prevention, or service delivery (e.g., credit reference checks, cooperative regulators). We do not sell your data.
How Long We Retain Your Data
Membership and loan application data is retained as long as you are a member and in line with cooperative and financial regulations. Comments and metadata are retained indefinitely for administrative and security purposes. Registered users can view, edit, or request deletion of their personal data at any time.
What Rights You Have Over Your Data
You have the right to access, correct, or request deletion of the personal data we hold about you. You may also request an export file of your data. Requests will be processed in accordance with legal and cooperative obligations.
Where We Send Your Data
Visitor comments may be checked through automated spam detection services. Loan and membership data may be shared securely with regulatory bodies or financial partners as required by law.
Your Contact Information
If you have privacy-specific concerns, please contact us at:
📧 info@startupccu.com
📞 +233 020 111 2990 | 0244 016 046 | 054 211 4463
Additional Information
How We Protect Your Data
We use secure servers, encryption, and access controls to protect your data from unauthorized access, alteration, or disclosure.
What Data Breach Procedures We Have in Place
In case of a data breach, we will notify affected members promptly and take necessary steps in compliance with data protection laws.
What Third Parties We Receive Data From
We may receive limited financial or business data from regulatory bodies, partner cooperatives, or credit bureaus to process loan applications and verify eligibility.
What Automated Decision-Making and/or Profiling We Do with User Data
Loan applications may be assessed using automated credit scoring models combined with human review to ensure fair and consistent decisions.
Industry Regulatory Disclosure Requirements
As a licensed cooperative credit union in Ghana, we comply with data protection laws and financial regulations that may require disclosure of certain information to regulators.