KWAHU EAST TEACHERS AND EDUCATIONAL WORKERS WELFARE & CREDIT UNION
Privacy Policy
KWAHU EAST TEACHERS AND EDUCATIONAL WORKERS WELFARE & CREDIT UNION ("the Union", "we", "us") operates the members' web portal and the KEWCU Android application. We are the data controller for the personal information described below.
It covers the members' portal on this website and the KEWCU Android app. Both are private systems for members and officers of the Union. They are not open to the general public, and we do not sell advertising or sell personal data to anyone, ever.
| Category | Examples | Why we hold it |
|---|---|---|
| Identity | Full name, Staff ID, Ghana Card number with its issue and expiry dates, SSNIT number, teacher licence number, date of birth, gender | To confirm you are a member, to keep one unique record per person, and to meet the identification requirements in the Union's constitution |
| Contact | Mobile number, WhatsApp number, email address, postal address | To send you dues reminders, loan decisions, meeting notices and password resets |
| Employment | School, circuit, rank, appointment date | To group members correctly and to route requests to the right circuit representative |
| Financial | Dues and contributions, loan applications, approvals, repayments and arrears, salary deduction records, bank and mobile money details, guarantors and next-of-kin or beneficiary details | To run the welfare and credit scheme, which is the whole purpose of the Union |
| Images | Passport photograph, and a photograph of your Ghana Card where you supply one | To identify members at disbursement and to satisfy the Union's record requirements |
| Device and security | Device model, operating system, app version, push notification token, sign-in times and IP address, failed sign-in attempts | To deliver notifications, to show you which devices are signed in, and to detect and block unauthorised access to your account |
| Approximate location | The town or city, region and network provider worked out from your internet address when you sign in | To show you and the officers which devices have used your account and roughly where from, so unfamiliar sign-ins can be spotted, and to understand where the app is being used |
| Messages and applications | Support ticket messages you send us, and the reasons you give on loan and benefit applications | To answer your query and to assess your application |
| Activity in the system | Records of your sign-ins and sign-outs, and of changes and payments recorded against your record | To keep an audit trail, and to investigate a dispute or a suspected misuse of an account |
Where the app reads text from a document image, that reading happens entirely on your own phone. The image is not sent anywhere for that purpose.
We share only what each recipient needs, and only to run the scheme:
| Recipient | What they receive | Purpose |
|---|---|---|
| Controller and Accountant-General's Department, and the payroll deduction service | Staff ID, name, amounts due | To deduct dues and loan repayments at source from salary |
| Our SMS gateway provider | Mobile number and the message text | To deliver reminders, one-time codes and notices |
| Google (Firebase Cloud Messaging) | A push token and the notification text | To deliver notifications to your phone |
| Our hosting provider | Stored data, as part of hosting the system | To operate the servers and backups |
| A location lookup service | The internet address your device connects with | To turn it into a town or city name for the device list |
| Officers of the Union | Only what their role allows | Circuit representatives see their own circuit; management sees the association |
We also disclose information where the law requires it, or where it is necessary to establish or defend a legal claim. We do not sell your data, and we do not use it for advertising.
Membership and financial records are kept for as long as you are a member and afterwards for as long as the Union's constitution and Ghanaian law require records of contributions, loans and exits to be retained. Sign-in and device logs are kept for a much shorter period, only as long as they remain useful for security. When a record is no longer needed it is deleted or anonymised.
No system is perfectly secure, but if a breach occurs that puts your rights at risk we will inform you and the Data Protection Commission as the law requires.
Under the Data Protection Act, 2012 (Act 843) you may ask us to:
Write to info@kedwelfare.com and we will respond within a reasonable period. Some records — for example an outstanding loan — cannot be deleted while the obligation stands. If you are not satisfied with our answer you may complain to the Data Protection Commission of Ghana.
Membership is governed by the Union's constitution, so an account cannot simply be removed on request while dues or a loan are outstanding. To begin an exit, use the exit request in the portal or write to info@kedwelfare.com. Once your obligations are settled and the retention period in section 6 has passed, your personal data is deleted.
The system is for employed members of the Union. It is not directed at children and we do not knowingly create accounts for anyone under 18, other than a child's details recorded by a member as a named beneficiary.
If we change this policy we will update the date at the top of this page, and tell members through the portal or by message where the change is significant.
Questions about this policy, or about your data: info@kedwelfare.com or 0244 072 123 / 0208 809 700.