Account & Data Deletion

1. Two different concepts

• Digital account deletion — remove or disable app / portal login credentials and associated device tokens, and erase or anonymise personal data that is no longer needed for digital access.
• SACCO membership exit — a separate by-laws process (clearance of obligations, share capital / deposit treatment, approvals). Requesting app deletion does not automatically complete membership exit.

2. How to request digital account deletion

1. Email info@soyosoyosacco.com from the phone number or email registered on your membership profile.
2. Use subject line: Digital account deletion request.
3. Include: full name, membership / registration number (if known), registered phone number, and a clear statement that you want your digital account deleted.
4. We may ask for identity verification (e.g. ID last digits, confirmation OTP, or in-person check) before acting.

Where in-app deletion is available in a future release, that path will also satisfy this process; until then, email is the official channel.

3. What we delete or disable

After verification, we will within a reasonable period (and no later than timelines required by applicable law or store policy):

• disable login access to the member portal / Nichomez app for your user;
• remove or invalidate push-notification tokens and active sessions;
• erase or anonymise profile fields held solely for digital convenience where retention is not required;
• confirm completion by email or SMS where practicable.

4. What we may retain (and why)

We may retain certain records where necessary for:

• outstanding loans, guarantees, arrears, and collections;
• statutory, tax, audit, and co-operative record-keeping;
• dispute resolution and fraud prevention;
• membership registers required under the constitution / by-laws;
• payment and transaction evidence required by law or banking partners.

Retained data remains subject to our Privacy Policy and security controls. When the legal basis for retention ends, we delete or anonymise it.

5. Uninstalling the app

Uninstalling the Android app from your device removes local data on that device but does not delete your server-side account or SACCO membership records. Follow section 2 for server-side deletion.

6. Timing

We aim to acknowledge requests promptly and complete eligible deletions as soon as reasonably practicable after verification, typically within 30 days unless a longer period is justified by complexity, legal holds, or outstanding obligations.

7. Contact

info@soyosoyosacco.com — subject: Digital account deletion request
Web: https://soyosoyosacco.com