1.0 INTRODUCTION

NCSL is committed to protecting the privacy and accuracy of confidential Personal Information received from and stored for its members. This Privacy Policy explains how NCSL collects, uses, discloses, and safeguards NCSL members information when members visit the NCSL website www.ncsl.com.pg or uses NCSL services.

By using the NCSL website and services, you agree to the collection and use of information in accordance with this policy.

2.0 INFORMATION COLLECTION

While using the NCSL website or services, NCSL may ask members to provide us with certain information that can be used to contact or identify the member. This information may include (but not limited to):

Personal Information: NCSL may collect personal information such as the members name, date of birth, email address, phone number, and payment details when members create an account, make a purchase, or contact NCSL.
Usage Data: NCSL may collect information about how members use our website, including their IP address, browser type, pages visited, and the time and date of members visiting.
Cookies and Tracking Technologies: NCSL uses cookies and similar tracking technologies to enhance members’ experience on our website. Members can control cookies through their individual browser settings.

3.0 USE OF YOUR INFORMATION

We may use Member Information only for improving the website, products and services for our members; it may also be used (but not limited):

To Communicate with Members: We may use members’ contact information to send updates, newsletters, or promotional materials.
For Legal and Security Purposes: We may use members’ information to comply with legal obligations, enforce NCSL policies, and protect against fraud or abuse.

4.0 THIRD PARTY DISCLOSURE

Personal Information provided by members on the NCSL website or whilst using NCSL services, may be disclosed to Third Parties that follow practices at least as protective as those described in this Privacy Policy.

Members’ personal information may be shared as follows:

Service Providers: Third-party vendors who assist NCSL in operating our website or providing services.
Legal Authorities: When required by law or in response to valid requests from public authorities.
Business Transfers: In connection with a merger, acquisition, or sale of assets, member information may be transferred as part of the transaction.

5.0 SECURITY

The security of Members’ Personal Information is of the utmost importance to NCSL, however no method of transmission over the internet, or method of electronic storage, is 100% secure. NCSL cannot guarantee its absolute security. By using the NCSL website or our services, members understand and accept this risk.

6.0 RESPONSIBILITY FOR EXTERNAL SITES

This website (and other NCSL applications) may contain links to other websites. These external websites maybe operated by third parties. NCSL provides these links for member convenience, but NCSL does not review, control, or monitor the privacy practices of websites operated by third parties.

7.0 CHANGES TO THE PRIVACY POLICY

NCSL reserves the right to update or change this Privacy Policy at any time and we encourage members to review this Privacy Policy periodically.

NCSL will notify members of any material changes made by NCSL to the Privacy Policy, either through the email address members’ have provided to NCSL or by placing a prominent notice on our website.

8.0 RETENTION OF DATA

NCSL reserves the right to retain all Personal information for a maximum of 7 years, after this period all personal information stored with NCSL will be deleted. NCSL reserves the right to delete personal information at an earlier date or upon request from members.

9.0 MEMBER RIGHTS OVER PERSONAL INFORMATION / DATA

Members may request a copy of their own personal information that is stored by NCSL. Members may also request that we delete any Personal Information through the contact details mentioned below. This does not include information NCSL administratively requires to manage membership accounts or are legally required to hold as part of individual membership with NCSL.

In addition to the above, members also have the right to:

Access and Update: access, correct, or update member personal information.
Opt-Out: opt-out of receiving marketing communications from NCSL by advising us of such decision
Cookies: manage cookie preferences through their individual browser settings.

10.0 CONTACT US

Members can contact NCSL if they have any questions or concerns about this Privacy Policy or NCSL practices, please contact us at:

Nasfund Contributors Savings & Loan Society Ltd

Level 2, BSP Haus, Harbour City, PO Box 7732 Boroko, NCD, PNG

E: complaints@ncsl.com.pg

P: (+675) 313 2000 or (+675) 207 2000