Last updated: June 02, 2021
Lifetime Co-operative Credit Union Ltd. (“us”, “we”, or “our”) operates the https://www.lifetimecu.com 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.
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
• Cookies and 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
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.
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.
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.
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
We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.
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
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 https://gisbarbados.gov.bb/download/data-protection-act-2019/. 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 email@example.com.