Privacy Policy Pralarg International Multipurpose Cooperative Society (PIMCS) Effective Date: July 10, 2026 1. Introduction Pralarg International Multipurpose Cooperative Society (“PIMCS,” “we,” “our,” or “the Cooperative”) is committed to protecting the privacy and personal information of our members, applicants, visitors, partners, and all users of our website. This Privacy Policy explains how we collect, use, store, disclose, and safeguard your personal information when you visit our website or use any of our services. By accessing or using our website, you agree to the practices described in this Privacy Policy. ⸻ 2. About the Cooperative Pralarg International Multipurpose Cooperative Society is a member-driven cooperative established to promote: * Interest-free savings and loans for eligible members * Business financing and entrepreneurship * Economic empowerment * Cooperative investments * Financial inclusion * Community development * Welfare support * Marketplace opportunities ⸻ 3. Information We Collect We may collect the following categories of information: Personal Information * Full name * Date of birth * Gender * Residential address * Business address * Email address * Telephone number * National Identification Number (where applicable) * Passport photograph * Signature * Employment or business information * Guarantor information (where applicable) Financial Information Where necessary for cooperative services, we may collect: * Bank account details * Payment records * Savings history * Loan applications * Loan repayment records * Share purchase records Technical Information When you visit our website, we may automatically collect: * IP address * Browser type * Device information * Operating system * Date and time of access * Pages visited * Cookies and analytics data ⸻ 4. How We Use Your Information Your information may be used to: * Process membership applications * Verify identity * Manage member accounts * Process savings and investments * Evaluate loan applications * Administer cooperative services * Prevent fraud * Improve our services * Respond to inquiries * Send important updates * Maintain legal and regulatory compliance * Resolve disputes * Conduct internal audits * Improve website performance ⸻ 5. Loan Verification Applicants requesting financial assistance may undergo verification, including: * Residential verification * Business verification * Identity verification * Guarantor verification * Credit or repayment assessment where legally permissible Such verification is conducted solely for legitimate cooperative purposes. ⸻ 6. Cookies Our website may use cookies to: * Improve user experience * Remember user preferences * Monitor website performance * Enhance security * Generate anonymous website analytics Users may disable cookies through their browser settings, although doing so may affect certain website functions. ⸻ 7. Sharing of Information We do not sell, rent, or trade your personal information. We may disclose information only: * When required by law * To regulatory authorities * To law enforcement agencies with lawful authority * To payment processors * To technology service providers assisting in website operations * With your consent * To protect the rights and property of the Cooperative ⸻ 8. Data Security We employ reasonable administrative, technical, and organizational safeguards to protect your personal information against unauthorized access, loss, misuse, disclosure, or alteration. While we strive to maintain secure systems, no method of electronic storage or internet transmission is completely secure. ⸻ 9. Data Retention We retain personal information only for as long as necessary to: * Provide cooperative services * Comply with legal obligations * Resolve disputes * Maintain financial records * Enforce our agreements Information that is no longer required will be securely deleted or anonymized where appropriate. ⸻ 10. Your Rights Subject to applicable law, you may have the right to: * Access your personal information * Request correction of inaccurate information * Request deletion of eligible information * Withdraw consent where processing is based on consent * Request restriction of processing * Object to certain processing activities * Receive a copy of your information where applicable Requests may be submitted using the contact information below. ⸻ 11. Children’s Privacy Our services are intended for individuals who are legally eligible to become members or use our services. We do not knowingly collect personal information from children without appropriate authorization from a parent or legal guardian where required by law. ⸻ 12. Third-Party Services Our website may contain links to third-party websites, payment gateways, social media platforms, or external services. We are not responsible for the privacy practices or content of those third-party websites. Users are encouraged to review their respective privacy policies. ⸻ 13. International Users As Pralarg International Multipurpose Cooperative Society serves members both within and outside Nigeria, your information may be processed or stored in jurisdictions where we or our trusted service providers operate, subject to applicable legal requirements and appropriate safeguards. ⸻ 14. Updates to This Privacy Policy We may revise this Privacy Policy from time to time to reflect changes in our services, legal obligations, or operational practices. Any updated version will be published on this page together with the revised Effective Date. ⸻ 15. Contact Us If you have any questions, requests, or concerns regarding this Privacy Policy or our handling of your personal information, please contact us: Pralarg International Multipurpose Cooperative Society Website: https://www.pralargcoop.com Email: info@pralarg.org Telephone: +1 8623674024 Nigeria Office: Abeokuta, Ogun State, Nigeria United States Office: Newark, New Jersey, USA ⸻ Consent By accessing or using the Pralarg International Multipurpose Cooperative Society website, registering as a member, applying for services, or otherwise providing your information to us, you acknowledge that you have read, understood, and agree to this Privacy Policy.