Privacy policy
This policy covers this website, operated by Jyoti Mirmire Samuhik Saving and Credit Co-operative Society Ltd. ("JMS SACCOS", "we"). It explains what we collect through the website, why, and your choices. It does not replace the terms of your membership, which are governed by the cooperative's bylaws and the Co-operative Act.
What we collect
Information you send us
When you email or call us, we receive what you choose to send: usually your name, how to reach you and your message.
Information collected automatically
Our hosting provider keeps standard server logs (IP address, browser type, pages requested, time) for security and to keep the site running. The website sets no cookies of its own and uses no analytics.
Embedded map
The Contact and Branches pages show a Google Maps map. When it loads, Google receives your IP address and may set cookies under its own privacy policy.
Exchange rates
The Exchange rates page reads today’s rates from Nepal Rastra Bank’s website, so your browser connects to nrb.org.np when that page opens and Nepal Rastra Bank receives your IP address and browser details. We do not send it anything else.
Embedded video
The Gallery page shows a YouTube video. Nothing loads from YouTube until you press play. Then the player loads from youtube-nocookie.com, YouTube’s privacy-enhanced mode, and YouTube receives your IP address and may store data in your browser under its own privacy policy.
How we use it
- To answer your inquiry and, if you ask, to arrange membership or a product
- To keep the website secure and available
We do not sell personal information and we do not use it for advertising.
Who can see it
Messages are read by head office staff responsible for member service. Our hosting provider processes server logs on our behalf under its own security commitments. We disclose information when required by Nepali law or a regulator such as the National Cooperative Regulatory Authority.
How long we keep it
Email messages are kept for up to two years so we can follow up, then deleted, unless they become part of a membership or loan record that the law requires us to keep longer.
Your choices
- Ask us what information we hold about you, or ask us to correct or delete it, by emailing info@jmssaccos.coop.np or visiting the head office
Security
The website is served over HTTPS. Never send account numbers, passwords or one-time codes by email. Staff will never ask for your MoFin password.
Children
Child saving accounts are opened by a parent or guardian. We do not knowingly collect information from children through this website.
Changes
We will post any change to this policy on this page.
Contact
Jyoti Mirmire Samuhik Saving and Credit Co-operative Society Ltd., Panauti-6, Namobuddha Road, Kavrepalanchok, Nepal. Phone +977-11-440692. Email info@jmssaccos.coop.np.