Account deletion

Deleting your Onward C.I.C.U. account

This page explains how to ask for your account in the Onward C.I.C.U. member app to be deleted, what is deleted, what is kept and for how long.

The app is provided by Onward Cooperative Investments and Credit Union ([To be completed: full legal name of the cooperative]). On Google Play the developer is shown as [To be completed: developer name exactly as shown on the Google Play listing].

How to request deletion

You do not need the app to make a request. Use either of these options.

Option 1: by email

Send an email to [To be completed: contact email] from the email address registered to your account, with:

• the subject line "Account deletion request"
• your full name
• your society
• your membership number, if you know it

Please do not send your password, bank details or any identity documents by email.

Option 2: through your society administrator

Ask your society administrator to submit a deletion request for you.

In the app

An option to request account deletion inside the app is being added. Until it is available, please use one of the options above.

What happens next

1. We confirm that the request comes from you. If the email does not come from your registered address, or we cannot otherwise confirm your identity, we will contact you or your society administrator before acting.
2. We reply within [To be completed: period for acknowledging and completing a deletion request] to confirm what has been done.
3. Once your account is closed you can no longer sign in to the app.

What is deleted

• Your login account is closed and deactivated. It can no longer be used to sign in.
• Your personal contact details, such as your email address and phone number, are removed or de-identified where the law and the cooperative's record-keeping duties allow.

[To be completed: confirm what happens to the push-notification identifier, in-app notifications and forum posts and replies when an account is deleted]

What is kept, and for how long

Some records must be kept, because they are the cooperative's books and the law requires them:

• Financial records: shares, savings, special savings, Kasolayo, loan applications and their outcomes, loans, disbursements, repayments, deduction schedules and reports, reconciliation records, and the bank account and payroll details that appear in them.
• The details that identify whose records they are: your name, society, membership number and employee/OG number.
• The audit trail: the record of actions taken in the system, including IP addresses and app or browser details.

Once written these records are never edited or deleted. They are kept for [To be completed: retention period for financial records and the audit trail] to meet legal and accounting obligations. Other personal data about a deactivated account is kept for [To be completed: retention period after an account is deactivated].

Kept records are stored securely: phone numbers, employee numbers and bank account numbers are encrypted, and access is limited to authorised cooperative staff.

Money you owe or are owed

Deleting your app account does not end your membership of the cooperative or your society, and it does not cancel any loan or other amount you owe. Savings, shares, Kasolayo and other balances held for you are not affected and continue to be governed by the cooperative's and your society's bye-laws and rules. To leave the cooperative or withdraw your balances, speak to your society administrator.

Deleting some data without closing your account

You can also ask us to correct or delete particular personal data without closing your account, using the same email address. See our Privacy Policy for your rights.

Questions

• Email: [To be completed: contact email]
• Data Protection Officer: [To be completed: Data Protection Officer contact]