Confidentiality Agreement

Nchemty Credit Union Cooperative · Bokwango, Buea, South West Region, Cameroon · COBAC approval [APPROVAL NO.] · infos@nchemty.com · +237 679 923 521

This agreement sets out how Nchemty keeps confidential the information it holds about you, and what you undertake in return to keep your access and other people's information safe. It applies to Nchemty Digital Banking and to all your dealings with us, and forms part of the Terms of use and your account agreement.

1. Parties

Nchemty Credit Union Cooperative (“Nchemty”, “we”) and the member or customer, or the organisation and its authorised representatives (“you”).

2. Confidential information

“Confidential information” means all information about you that we obtain in providing our services, whatever its form: your identity and documents, biometric data, financial situation, accounts, balances, transactions, loans, mobile-money operations, communications with us, and the fact that you are our customer.

3. Nchemty's undertakings

Professional secrecy. We keep confidential information secret, as financial institutions are required to by law. This duty binds our directors, staff, agents and providers, during and after their engagement with us, and continues after your account is closed.
Use only for our services. We use confidential information only to provide and secure our services, to meet our legal obligations and as described in our Privacy policy.
Need to know. Only staff whose work requires it can access confidential information. Access is controlled by role, protected by a password and a one-time code, and every view of an identity document is recorded.
Agents. An agent who introduced you sees only the status of your application and the commission due, never your documents, balances or transactions.
Providers. Providers who handle confidential information for us (hosting, core banking software, messaging, backups) do so under written contracts that require confidentiality and security and forbid any other use.
Protection. We protect confidential information with encryption, access controls, monitoring and encrypted backups, and we run identity checks on our own servers.
Incidents. If confidential information is lost or accessed without authorisation, we act at once to contain it, notify the competent authority as the law requires, and inform you when it may affect you.

4. When we may disclose information

We disclose confidential information only:

with your consent or at your request (for example a reference letter or a transfer you order);
to COBAC, BEAC, the National Financial Investigation Agency (ANIF), the courts, the tax administration and other authorities that the law entitles to receive it;
to mobile-money operators and other parties to a transaction, limited to what the transaction requires;
to providers bound by confidentiality, limited to what their service requires;
where the law otherwise requires or allows it, including to protect our rights in a dispute with you.

The law may forbid us from telling you about some disclosures to authorities.

5. Your undertakings

Keep your passwords, PIN and one-time codes secret, never write them down with your phone or card, and never share them, even with someone claiming to be from Nchemty.
Use only the official Nchemty app and website, and check the address before you sign in.
Protect your phone and devices with a screen lock and do not let others use your registered devices.
Tell us immediately of any loss, theft or suspected misuse of your credentials or phone: +237 679 923 521 · infos@nchemty.com.
Keep confidential any information we give you about other people, for example the other signatories of an organisation account, and use it only for that account.
Do not record, copy or publish our communications with other customers, or information about our systems, that you obtain through the services.

6. Organisation accounts

The representatives of an association, njangi group or company may see the organisation's information within the limits of their mandate. The organisation is responsible for ensuring that its representatives keep it confidential and for telling us promptly when a representative's authority ends.

7. Breach

If you breach this agreement, we may suspend your access as set out in the Terms of use, and you are responsible for losses that result from your breach. If we breach it, you may complain as set out in the Terms of use and claim compensation as the law provides.

8. Duration

This agreement applies from your first contact with us and continues after the end of our relationship, for as long as we hold information about you.

9. Law

This agreement is governed by the law of Cameroon and the applicable CEMAC and COBAC regulations, as set out in the Terms of use.

Acceptance (for paper or branch use; online, acceptance is recorded electronically when you register)

	Customer / authorised representative	For Nchemty Credit Union Cooperative
Name
Account or reference
Date and place
Signature

Last updated October 27, 2026