Effective date: 21 July 2026.
1. Scope
This Privacy Policy applies to personal information handled by Global Credit Union Bank through our website, offices, customer-service channels, banking relationships and digital services. Product agreements and service-specific notices may provide additional information.
2. Information we collect
Depending on your relationship with us, we may collect identification and contact details, account and transaction information, employment or business information, service requests, correspondence, device and browser information, security events, website activity, and information required by law or needed to provide banking services.
We may receive information directly from you, from your use of our services, from authorised representatives, payment and banking networks, service providers, identity and risk-verification services, credit or identity-verification providers, regulators and public sources.
3. How we use information
We use personal information to provide and administer services, communicate with customers, authenticate access, process authorised instructions, prevent unauthorised activity, protect our systems, improve customer experience, comply with legal and regulatory duties, manage risk, resolve complaints, maintain records and inform customers about relevant services.
4. When information may be shared
We may share information with companies that support our operations, payment and banking networks, professional advisers, identity-verification and risk-management providers, regulators, law-enforcement bodies and other parties where disclosure is authorised or required. Service providers are expected to use information only for agreed purposes and to apply appropriate safeguards.
We do not sell personal information to third parties for their independent marketing use.
5. Information security
We use administrative, physical and technical safeguards designed to protect personal information against unauthorised access, loss, misuse, alteration and disclosure. Customers also play an important role by protecting credentials, keeping contact details current and querying unfamiliar account activity promptly.
6. Cookies and online technologies
Our website may use essential cookies, analytics and similar technologies to support website operation, remember preferences, understand usage and improve services. Browser settings can be used to control cookies, although disabling essential technologies may affect site functionality.
7. Retention
We retain personal information for as long as reasonably necessary to provide services, meet contractual obligations, manage disputes, manage operational risk, satisfy recordkeeping duties and comply with applicable law. Information is securely deleted or de-identified when it is no longer required.
8. Your choices and rights
You may ask us to update inaccurate contact information, manage communication preferences, or exercise rights available under applicable privacy law. We may need to verify your identity before completing a request, and some information must be retained for legal, regulatory, risk-management or recordkeeping purposes.
9. Contact us
Privacy enquiries may be directed to info@globalcreditplc.com, by telephone at 041 004 0200, or by post to 70 Second Ave, Newton Park, Port Elizabeth, 6045.
10. Policy updates
We may update this policy to reflect changes in law, services, technology or business practices. The current version and effective date will be published on this page.