The society maintains board-approved policies covering customer due diligence, fair treatment, information security and risk management. Summaries relevant to members are listed below; full manuals are available for regulatory inspection and internal audit.

KYC / AML

Identification of members and beneficial owners, periodic review, suspicious-transaction reporting within the society’s role, record keeping.

Fair banking practices

Loan application tracking, communication of sanction / rejection, repayment discipline, grievance escalation.

Privacy & data

Use of personal data for account operation only; staff confidentiality undertakings; secure destruction of legacy records per retention policy.

Risk management

Credit concentration, collateral management, liquidity contingency, business continuity at branches.