Privacy Policy

Youth Eswatini (Yès) Digital SACCO is a member-owned savings and credit cooperative operating in Eswatini. Contact: +268 7695 8354, yesdigitalsacco@gmail.com, Raiffeisen House, Jubela Street, Sandla, Mbabane.

Depending on how you use the site, we may collect:

• Account details (name, email, phone number, password credentials via our auth provider).
• Membership/KYC data (national ID details and uploaded ID image, residential address, next of kin).
• Membership and payment references you use for joining fees, shares, and subscriptions.
• Loan application information you submit through My Account.
• Messages, support requests, and newsletter/news interaction data.
• Technical cookies/local storage used for session security, preferences (for example cookie consent), and basic analytics when enabled.

We use personal information to:

• Create and secure member accounts.
• Process membership applications, activation, shares, subscription, and loan workflows.
• Communicate about payments, membership status, products, and official notices.
• Improve website reliability, security, and support quality.
• Meet cooperative governance, audit, and regulatory obligations where applicable.

Essential cookies/local storage keep you signed in and protect your session. Preference storage remembers cookie choices and some assistant settings. Analytics tools (when enabled on hosted environments) help us understand site usage in aggregate. You can accept or decline non-essential cookies in the on-site banner.

We do not sell your personal information. We may share data with trusted service providers that host authentication, databases, storage, email delivery, or analytics under contractual safeguards; with YES staff/administrators for membership operations; and with authorities when legally required.

We keep membership and account records for as long as needed for cooperative operations, dispute handling, and legal retention requirements. We use industry-standard provider security controls (including encrypted transport). No method of online storage is perfectly secure; protect your password and never share one-time codes or payment references publicly.

You may request access, correction, or updates to membership details by contacting YES. You may close an unused account request through support. Some records must be retained after membership ends for legal or audit reasons.

Membership and product eligibility follow YES bylaws and applicable law. Guardians should contact YES before submitting a minor’s personal data through this website.

We may update this policy as our digital services evolve. The “Last updated” date above will change when we do. Continued use of the site after updates means you acknowledge the revised policy.