Privacy Policy

Last updated: June 02, 2021

Lifetime Co-operative Credit Union Ltd. (“us”, “we”, or “our”) operates the  website (hereinafter referred to as the “Service”).

This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data. 

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

We will also let you know via email and/or by means of a prominent notice on our Service, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

We use your data to provide and improve the Service. By using the Service, you agree to be bound by this policy and you also agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions. You may read our Terms and Conditions on our Website at 

Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service to you. Unless otherwise mentioned in this Policy, the legal basis for collecting or processing your information is your consent which you may withdraw at any time by contacting us. Please see our contact information below.

Types of Data Collected

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally, identifiable information may include, but is not limited to:

• Email address

• First name and last name

• Phone number

• Address

• Cookies and Usage Data

Usage Data

We may also collect information on how the Service is accessed and used by you (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e. g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.  We require this information for website performance metrics and analytics. This data may also be required by law to be released to a Law Enforcement agency. Lifetime Co-operative Credit Union Ltd. will abide by laws governing the release of this data. 

Tracking & Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information. 

Cookies are text files with small amount of data which are stored by the browser. Cookies enable us to recognize a user and respond appropriately. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

• Session Cookies – We use Session Cookies to operate our Service. Session cookies expire when you close your browser.  Session cookies enable the use of any e-commerce facilities.

• Preference Cookies – We use Preference Cookies to remember your preferences and various settings.

• Third Party Cookies.We use Google Analytics to analyze the use of this website. Google Analytics generates statistical and other information about website use by means of Cookies, which are stored on users’ computers. The information generated relating to our website is used to create reports about the use of the website. Google will store this information. Google’s privacy policy is available at: [].

Use of Data

We will use the collected data for the purposes mentioned below:

• To provide and maintain the Service

• To notify you about changes to our Service

• To allow you to participate in interactive features of our Service when you choose to do so

• To provide customer care and support

• To provide analysis or valuable information so that we can improve the Service

• To monitor the usage of the Service

• To detect, prevent and address technical issues

Transfer Of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your country of residence, your state, province, or other jurisdiction where the data protection laws may differ from those of your jurisdiction.

If you are located outside of Barbados and choose to provide information to us, please note that we transfer the data, including Personal Data, to Barbados and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and The Data Protection Act and no transfer of your Personal Data to an organization or a country will occur unless there are adequate controls in place including the security of your data and other personal information.

Legal Requirements

We will not disclose your Personal Data to third parties except in good faith and belief that such action is necessary to:

• To comply with a legal obligation

• To comply with the Data Protection Act of Barbados 2019

• To protect and defend the rights or property of Lifetime Co-operative Credit Union Ltd.

• To prevent or investigate possible wrongdoing in connection with the Service

• To protect the personal safety of yourself and other users of the Service or the public

• To protect against legal liability

Security of Data How do we keep your data safe?

The security of your data is important to us but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.  Access to the website is encrypted.  Access to your personal data is password-protected.  We regularly monitor our systems for possible vulnerabilities and attacks, and we carry out penetration testing to identify ways to further strengthen security. We have taken additional steps by implementing internal Policies to control access to your data and training of our members in Information Security and Cyber Security. 

Service Providers

We may employ third party companies and individuals to facilitate our Service (“Service Providers”), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Links To Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

Children’s Privacy

Our Service does not address anyone under the age of 18 (“Children”).

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child or wardhas provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take immediate steps to remove that information from our servers.

How you may contact us

If you have any questions about this Privacy Policy, please contact us by email at – or alternatively by calling us during the hours of 8.00 a.m. to 4.00 p.m. Monday – Friday at telephone number – 431-0803. 

Your rights 

Under the Data Protection Act you have a number of rights including:

1. The right to access

2. The right of rectification

3. The right to erasure

4. The right to restriction of processing

5. The right to notification

6. The right to data portability

7. The right to prevent processing of data for direct marketing 

8. The right to prevent processing of data likely to cause damage or distress

9. Rights related to automated individual decision-making, including profiling

For more details on these rights, you may visit You may also have the right to complain to the Data Protection Commissioner who is the regulator for data protection in Barbados. You may contact the Data Protection Commissioner Ms. Lisa Greaves at telephone number 536-1212 or via email at

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