How your membership information is handled

JanCares Corporative, through its authorised cooperative administrators, collects the information you voluntarily submit when applying to join its Daily Loan or TDAN programme. This notice describes the application's current collection and access controls. It is not an official NIN verification service.

Information collected and purpose

Account email and verified sign-in details: to identify your account and deliver email confirmations.
Your name, phone, work details and scheme selection: to review membership eligibility and maintain application records.
Your 11-digit NIN, image of your NIN document, front-facing photograph, and the names, telephone numbers and relationships of two guarantors: for an administrator's manual application and fraud-prevention review.
Application decisions, consent and review history: to document who reviewed the application and why a decision was reached.
Payment sender name, bank reference and account information: only if your membership is activated and you submit a manual bank-transfer record.

How it is protected

Your NIN digits are encrypted before storage. Private NIN-document and facial photographs are stored in a non-public object bucket and can be fetched only through authenticated, role-restricted administration endpoints. The dashboard shows masked identity digits; it does not make the original photograph or NIN document public. Ordinary form drafts may be saved in your current browser tab for up to two hours, but passwords, NIN, photographed identity documents, authentication tokens and camera frames are not included in that draft.

Verification and your choices

Photograph capture and NIN-document upload are for human inspection only. They do not perform automatic face recognition, liveness detection, government registry checks, or official identity verification. Email confirmation alone does not grant cooperative membership. You can skip incomplete identity steps and use a limited account view, but cannot access loans or TDAN participation until the required review and administrator approval are complete.

Storage and retention

Application records are kept to support application decisions, security, dispute handling and applicable legal record-keeping. Sensitive applicant data may be removed following a reviewed request and an authorised erasure process when legally permitted; relevant administrative audit records may need to be retained. The cooperative must confirm its operational retention periods before relying on them as a fixed deletion schedule.

Access, correction and withdrawal requests

For access, correction of an application, withdrawal of consent, or a request to erase eligible application data, contact the authorised JanCares cooperative administrator through the cooperative's established official contact channel. An administrator may need to verify the requester's identity and assess legal record-keeping requirements. Do not share your NIN or photograph by public chat or email.

Guarantor contact details

Only the contact you intentionally choose with the device's supported contact picker is inserted into the guarantor form; JanCares does not request the full address book. You can always enter guarantor details manually. Tell each guarantor why their details are being shared before you submit them.

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