Postal & Partners Co-operative Credit Union Limited
Website: https://postalccu.com
Last Updated: September 19, 2026
1. Who We Are
Postal & Partners Co-operative Credit Union Limited (“Postal & Partners”, “the Credit Union”, “we”, “us” or “our”) is committed to respecting and protecting the privacy, confidentiality and security of the personal information entrusted to us.
Our website address is: https://postalccu.com
This Privacy Policy explains how we collect, use, store, disclose and protect personal data obtained through our website, online forms, membership applications, financial service applications, communications and other interactions with the Credit Union.
We process personal data in accordance with the Jamaica Data Protection Act, 2020, applicable regulations and other relevant legal and regulatory requirements.
2. Information We May Collect
Depending on how you interact with the Credit Union, we may collect personal information including:
- Full name
- Date of birth
- Gender, where required
- Residential and mailing address
- Email address
- Telephone and mobile numbers
- Taxpayer Registration Number (TRN)
- Government-issued identification information
- Employment and occupation information
- Employer details
- Income and financial information
- Banking and payment information
- Membership and account information
- Loan and savings application information
- Information concerning beneficiaries, dependants, spouses, guarantors, co-makers or references
- Information required to meet Know Your Customer (KYC), Anti-Money Laundering (AML) and other legal or regulatory obligations
- Information relating to prominent public positions where required as part of regulatory due diligence
- Records of correspondence and interactions with us
- Information submitted through website forms
- IP address
- Browser type and device information
- Website usage and technical information
- Cookie and similar technology information
We will seek to collect only information that is reasonably necessary for the purpose for which it is being processed.
3. How We Collect Personal Data
We may collect information directly from you when you:
- Apply to become a member;
- Apply for a loan, savings account or other financial product;
- Complete an online or printed application form;
- Register for an event, meeting or programme;
- Contact us by telephone, email, website form, WhatsApp or other communication channel;
- Visit one of our locations;
- Use our website or online services;
- Participate in surveys, promotions or Credit Union activities;
- Provide information as a guarantor, co-maker, beneficiary, reference or related party; or
- Otherwise interact with Postal & Partners.
We may also receive personal information from authorised third parties, regulatory bodies, service providers, employers, financial institutions or other sources where permitted by law.
4. Why We Collect and Use Your Personal Data
Personal information may be collected and processed for purposes including:
- Processing membership applications;
- Establishing and maintaining membership records;
- Providing loans, savings products and other financial services;
- Assessing eligibility for Credit Union products and services;
- Processing transactions and payments;
- Verifying your identity;
- Communicating with you regarding your membership, accounts, applications or transactions;
- Providing customer and member support;
- Responding to requests, enquiries or complaints;
- Administering meetings, events, programmes and promotions;
- Maintaining accurate financial and administrative records;
- Preventing, detecting and investigating fraud, misuse and other unlawful activity;
- Protecting the security of our systems, members and services;
- Meeting legal, regulatory, audit, accounting and reporting requirements;
- Improving our website, services and member experience;
- Sending service announcements and other relevant communications; and
- Carrying out other activities reasonably connected with the operation of the Credit Union.
Where processing is based on your consent, you may withdraw that consent, subject to applicable legal, regulatory and contractual requirements.
Withdrawal of consent does not affect processing that lawfully occurred before the consent was withdrawn.
5. Sensitive Personal Data
Certain information collected by the Credit Union may constitute sensitive personal data under applicable law.
Where sensitive personal data is required, we will process such information only where there is an appropriate lawful basis and will apply appropriate technical, administrative and organisational safeguards.
Access to sensitive personal information will be restricted to persons who require access for authorised business, legal or regulatory purposes.
6. Comments
Where comments are enabled on our website, we may collect the information entered in the comments form as well as the visitor’s IP address and browser user-agent information to assist with security and spam detection.
If an anonymised string generated from your email address is provided to the Gravatar service, that service may determine whether you have an associated profile image.
The Gravatar privacy policy is available at:
Following approval of a comment, an associated profile image may be visible publicly in connection with that comment.
If commenting functionality is not enabled on the website, this section will not apply.
7. Media
If the website allows users to upload photographs or other images, users should avoid uploading images containing embedded location information such as EXIF GPS data.
Depending on the nature of the uploaded file, persons accessing the website may be able to download the image and extract embedded metadata.
8. Cookies and Similar Technologies
Our website may use cookies and similar technologies to ensure that the website functions properly, improve security, remember user preferences, analyse website performance and improve the user experience.
Cookies are small files stored on your device when you visit a website.
Cookies used by our website may include:
Essential Cookies
These cookies are necessary for basic website functionality, security, forms, authentication and other essential features.
Preference Cookies
These cookies may remember preferences such as login information or display settings.
Analytics Cookies
Where enabled, analytics technologies may help us understand how visitors interact with the website, including pages visited and general website usage.
Third-Party Cookies
Certain website features, embedded services or external content may place cookies on your device in accordance with the applicable third party’s privacy practices.
You may configure your browser to reject or delete cookies. However, disabling certain cookies may affect the functionality of parts of our website.
If you visit a login page, a temporary cookie may be used to determine whether your browser accepts cookies. This cookie may contain no directly identifying personal information and is normally removed when your browser session ends.
Where authorised users log into the website, cookies may also be used to maintain the login session and remember display preferences.
9. Online Forms and Applications
The Postal & Partners website may provide forms for membership, loans, savings products, enquiries, events, meetings and other Credit Union services.
Information submitted through these forms will be processed for the purpose identified on the relevant form and for reasonably related administrative, legal, security and regulatory purposes.
Certain application forms may require information including identification details, TRN, date of birth, employment information, income information and information concerning related persons.
Please ensure information submitted through our forms is accurate and relates only to persons for whom you are authorised to provide information.
10. Embedded Content from Other Websites
Pages on postalccu.com may include embedded content such as:
- Videos;
- Maps;
- Images;
- Documents;
- Social media content; and
- Other third-party resources.
Embedded content may behave in a similar manner to content accessed directly on the third party’s website.
Third-party providers may collect information about you, use cookies, apply tracking technologies or monitor your interaction with their content.
These third parties operate according to their own privacy policies and practices. Postal & Partners is not responsible for the privacy practices of external websites or services.
11. Links to Other Websites
Our website may contain links to third-party websites.
Once you leave postalccu.com, the collection and processing of your personal information may be governed by the privacy policy of the website you visit.
We encourage you to review the privacy notices of external websites before submitting personal information.
12. Who We May Share Your Information With
Postal & Partners does not sell your personal information.
Where reasonably necessary and permitted by law, information may be disclosed to:
- Authorised employees and officers of the Credit Union;
- Service providers processing information on our behalf;
- Website hosting and technology providers;
- Information technology and cybersecurity providers;
- Payment and financial service providers;
- Professional advisers;
- Auditors;
- Insurers;
- Regulatory and supervisory bodies;
- Government agencies and competent authorities;
- Law enforcement bodies where legally required;
- Other financial institutions where necessary to complete an authorised service or transaction; and
- Other persons where you have provided appropriate authorisation or consent.
Service providers acting on our behalf are expected to process personal data only for authorised purposes and to maintain appropriate safeguards.
We may also disclose personal information where required to comply with a court order, legal obligation, investigation or regulatory requirement.
13. Password Resets and Account Security
Where website user accounts are available and you request a password reset, information such as your IP address may be included in or associated with the password reset process for security purposes.
You are responsible for maintaining the confidentiality of your login credentials and should notify the Credit Union if you believe your account or credentials have been compromised.
14. How Long We Retain Your Personal Data
Personal information will be retained only for as long as reasonably necessary to:
- Fulfil the purpose for which it was collected;
- Maintain appropriate Credit Union and membership records;
- Meet financial, accounting and audit requirements;
- Meet legal and regulatory obligations;
- Resolve disputes;
- Address complaints;
- Prevent fraud;
- Enforce agreements; and
- Protect the interests of the Credit Union and its members.
Different categories of information may therefore have different retention periods.
Where information is no longer required, it will be securely deleted, destroyed, anonymised or otherwise disposed of in accordance with applicable policies and legal requirements.
Where comments are enabled, comments and related metadata may be retained to facilitate moderation and recognise legitimate follow-up activity.
15. Data Security
Postal & Partners takes reasonable technical, administrative and organisational measures designed to protect personal data from:
- Unauthorised access;
- Unauthorised disclosure;
- Loss;
- Misuse;
- Alteration;
- Accidental destruction;
- Unlawful processing; and
- Cybersecurity threats.
Security measures may include access controls, authentication mechanisms, system monitoring, secure infrastructure, staff procedures, backups and other appropriate safeguards.
However, no internet transmission or information storage system can be guaranteed to be completely secure.
16. Data Breaches
Postal & Partners maintains procedures for responding to actual or suspected personal data breaches.
Where a breach occurs, the Credit Union will assess the circumstances and take appropriate steps in accordance with the Jamaica Data Protection Act, 2020 and applicable regulatory requirements.
Where required by law, the appropriate regulatory authority and affected individuals will be notified.
17. Your Data Protection Rights
Subject to the Jamaica Data Protection Act, 2020, applicable exemptions and other legal requirements, you may have rights concerning the personal data we hold about you.
These may include the right to:
- Be informed about how your personal data is being processed;
- Request access to personal data held about you;
- Request correction of inaccurate or incomplete personal information;
- Request restriction of certain processing in applicable circumstances;
- Object to certain processing;
- Withdraw consent where processing is based on consent;
- Request deletion, blocking or erasure of information where applicable under law;
- Receive certain information regarding automated processing or automated decision-making where applicable;
- Request review of certain decisions made solely through automated processing where applicable; and
- Make a complaint regarding the processing of your personal data.
Some rights may be restricted where the Credit Union is required to retain or process information to comply with legal, regulatory, financial, contractual, security or record-keeping obligations.
18. Exercising Your Rights
If you wish to exercise a data protection right or ask a question about information held about you, you may contact Postal & Partners using the contact details provided below.
We may need to verify your identity before processing a request in order to protect your information from unauthorised disclosure.
Additional information may also be requested where reasonably necessary to locate the relevant records or understand the nature of your request.
19. Automated Processing
Where Postal & Partners uses automated processing or automated decision-making affecting personal data, such processing will be carried out subject to applicable legal requirements.
Where required by law, you may request information regarding the basis or logic associated with certain automated decisions and may have the right to request review of such a decision.
20. Children’s Personal Data
Postal & Partners may offer savings accounts, membership services or other financial products intended for children or young persons.
Where information relating to a minor is collected, the Credit Union will seek to process such information with appropriate safeguards and, where required, with the involvement or authorisation of a parent, guardian or other legally authorised person.
Information relating to minors will only be collected where reasonably necessary to provide the relevant service or meet a legal or regulatory requirement.
21. International or Cross-Border Processing
Certain authorised technology or service providers may process or store information outside Jamaica.
Where personal data is transferred or processed outside Jamaica, Postal & Partners will seek to ensure that the transfer is made in accordance with applicable data protection requirements and that appropriate safeguards are used where required.
22. Marketing and Communications
Postal & Partners may communicate with members and prospective members regarding:
- Credit Union products;
- Services;
- Member benefits;
- Events;
- Meetings;
- Promotions;
- Educational information; and
- Other relevant Credit Union matters.
Where consent is legally required for promotional communications, we will seek the appropriate consent.
You may request to stop receiving applicable promotional communications using the unsubscribe mechanism provided or by contacting us.
Administrative, transactional, security and legally required communications may continue where necessary.
23. Accuracy of Your Information
We take reasonable steps to maintain accurate and up-to-date personal data.
You are encouraged to notify us if your personal information changes or if you believe information held about you is inaccurate or incomplete.
24. Where Your Data May Be Sent
Information submitted through our website may be processed by authorised website, hosting, security, email, form-processing or spam-detection services.
Visitor comments, if enabled, may be checked through automated spam-detection services.
Information provided through applications and financial service forms may also be processed through authorised internal systems and third-party service providers necessary to provide the requested service.
25. Changes to This Privacy Policy
Postal & Partners may update this Privacy Policy periodically to reflect:
- Changes to our services;
- Changes to our website;
- Changes in technology;
- Changes to our data-processing practices;
- Changes to legal or regulatory requirements; or
- Changes to security and operational procedures.
The most recent version will be published on postalccu.com together with the date it was last updated.
We encourage users to review this policy periodically.
26. Contact Us
Questions, requests or concerns regarding this Privacy Policy or the processing of personal data may be directed to:
Postal & Partners Co-operative Credit Union Limited
Address:
55 South Camp Road
Kingston 4
Jamaica
Telephone:
876-930-6998
876-928-1692
876-930-7893
Email:
postalccu@postalccu.com
Website:
https://postalccu.com
When contacting us regarding your personal data, please provide sufficient information to allow us to identify and respond to your request. Please do not send sensitive account information or passwords through unsecured email.
27. Office of the Information Commissioner
Individuals also have rights under Jamaica’s Data Protection Act, 2020 and may contact the Office of the Information Commissioner of Jamaica regarding data protection matters or complaints.
Nothing in this Privacy Policy is intended to limit any right available to you under applicable Jamaican law.
© 2026 Postal & Partners Co-operative Credit Union Limited. All Rights Reserved.