1. Overview
Malawi Confederation of Chambers of Commerce and Industry (MCCCI), hereinafter “the Confederation”, is an apex business association representing all sectors of the economy of Malawi. The Confederation is committed to the achievement of Malawi’s socio-economic development through joint action and enlightened dialogue among private sector members and constituencies. The MCCCI Virtual Trade Platform, hereinafter “the platform”, is a product of the Confederation which has been developed to facilitate Trade for Malawian businesses. The Platform enables Sellers, Traders, Merchants, Buyers, hereinafter “Users” to access online markets domestically or internationally and to facilitate the User sale or purchases of produce, products, goods, services or information.
2. Eligibility to use the Platform
2.1. The Platform features and services are available only to, and may only be used by individuals/persons or entities who can form legally binding contracts under applicable
3. Collection of User Personal Data
3.1. The Confederation through the Platform collects User Personal Data when the User registers on the Platform, when the User uses the Platform’s features and services or
when the User visits pages of the platform.
3.2. When the User registers on the Platform, the Confederation ask for information such as the User name, phone number, email address and birth date. Subject to different
type of the Platform’s features and services, The Confederation further asks more detailed information such as gender, country of residence, the Platform account
information and submission of supporting documents for verification. Once the User registers on the platform and logs in to the Platform, the User is not anonymous to the
3.3. The Confederation collects the User personal data, for example, when the User
3.3.1. Opens a user account;
3.3.2. Accesses the Platform’s website;
3.3.3. Deals with other Platform Users;
3.3.4. The Confederation may also collect the User personal data when the User has volunteered the same to the Confederation.
4. Usage of Personal Data
4.1. The Confederation will through the Platform choose how to share the User personal data. The law gives the User, the right to stop the Confederation from sharing some of the User’s personal data but not all.
4.2. The Confederation undertakes not to disclose any information about a User or a Third Party obtained through the Platform to some other person than the said User or third party except in circumstances where the User or the third party would oneself have deemed it in their interest to disclose such information to that other person, or in- 2 – circumstances where the disclosure of such information to the recipient person is deemed to be in the business interest of the User or Third party concerned or in the circumstances where the User or the third party oneself is under compulsion of the law to supply the information concerned to appropriate law enforcing agency or court
of law.
4.3. The types of personal data the Confederation collects and shares depends on the product, feature or service the User accesses on the Platform. This data can include
but will not be limited to:
4.3.1. National Identification Details
4.3.2. Income
4.3.3. The Platform Accounts Details
4.3.4. Payment history
4.3.5. Credit history
4.3.6. Date of Birth
4.3.7. Contact Details
4.4. When the User is no longer a User, the Confederation may continue to share the User’s personal data as described in this policy within a reasonable time depending
on the basis for sharing the personal data.
4.5. Some of the ways the Confederation may use the User personal data and in which usage, the Confederation may be obliged to share the User personal information with
other persons:
4.5.1. For the Platform everyday business purposes – such as to process the User transactions, maintain the User account(s), respond to court orders and legal
investigations, or fulfil some lawful obligation.
4.5.2. For the Platform marketing purposes – to offer The Platform products and services to the public.
4.5.3. For transacting with the Platform or other financial companies.
4.5.4. to fulfill the User requests for services including performance of the Platform’s obligation under the related contracts.
4.5.5. to contact the User and conduct customer support.
4.5.6. to deliver produce, products, goods and services, issue invoice and deal with payment matters.
4.5.7. to send notice or distribute announcement of the Platform services.
4.5.8. to conduct research and analysis of usage of the Platform services.
4.5.9. to provide the Platform services safely including investigation and discovery of fraud or unauthorized access.
4.5.10. to conduct sales promotion.
4.5.11. to improve the Platform services, and- 3 –
4.5.12. to provide anonymous reporting for internal and external clients.
4.6. Provided that the Confederation shall be entitled to use Personal Data in its custody during the subsistence of the contract and thereafter continue to use such information for a period of two (2) years.
4.7. Any continued usage of Personal Data after termination of the contract and the prescribed grace period shall be allowed in circumstances where the parties to the
contract have expressly or impliedly agreed to the same.
5. The User Right to Demand Disclosure, Ask to Edit /Delete and Stop the use of the User Personal Data
5.1. The User may demand the Confederation to disclose collected Personal Data held by the Platform. Provided, however, that the Confederation may reject such demand if it has legitimate reason under the laws relating to protection of Personal data in Malawi.
5.2. The User can edit or delete the User Personal Data that the Confederation may hold on the Platform at any time by either contacting the Confederation or accessing the
User settings on the Platform. Provided, however, that the Confederation may reject such demand if it has legitimate reason under the laws relating to protection of
Personal Data in Malawi.
5.3. The User may demand the Confederation to cease to use the User Personal Data on the Platform, share with or transfer it to third party if such Personal Data was illegally obtained, used, shared with or transferred beyond the legitimate purpose specified under this Privacy Policy or other notice. Provided, however, that the Confederation may reject such demand if it has legitimate reason under the laws relating to protection of Personal Data in Malawi.
5.4. The Procedure of the User rights to demand disclosure or other rights set above (“Disclosure Rights Etc.”) is as follows:
5.4.1. Personal Data registered by the Platform (“Registered Information”) is subject to Disclosure Rights.
5.4.2. The Data subject who can demand Disclosure Rights includes the principal or agent on behalf of principal. Please note that in case of demand by agent, the Confederation will ask to submit power of attorney.
5.4.3. Method and Demand process of Disclosure Rights Etc or if the User would like to delete members ID, please write to: mcccivirtualtradeplatform@mccci.org.
The Confederation will verify the User identification.
6. Protection of the User Personal Data
6.1. To protect the User personal data from unauthorized access and use, The Confederation uses security measures that comply with the law. These measures
include but not limited to computer safeguards and secured files and buildings. The Confederation also maintains other physical, electronic and procedural safeguards to
protect this information and the Confederation limits access to information to employees with appropriate access permissions.
7. Changes or Revision to this Privacy Policy
7.1. The Confederation reserves the right to update this Privacy Policy at any time by revising the terms and conditions herein. Users are responsible to regularly review
these terms and conditions. Continued use of the Virtual Trade Platform following any- 4 – such changes shall constitute the users’ acceptance of such changes.
8. Governing laws and Jurisdiction of this Privacy Policy
8.1. This Privacy Policy is governed by the Laws of Malawi. The Courts of Malawi have exclusive jurisdiction as the courts of first instance with regard to any actions arising
in connection with this Privacy Policy.
9. Questions and Suggestions
9.1. If the User has any question regarding privacy, security, opting-out of e-mail offers or understanding how the User Personal Data is being used, please contact the
Confederations Customer Support at mcccivirtualtradeplatform@mccci.org.
10. Consent to the Privacy Policy
10.1.By visiting the Platform Sites or using the Platforms features or services, the User is deemed to have consented to the terms and conditions set out in this Privacy Policy.
If the User does not agree with this Policy, please do not use or access the Platform.

Approved by Council of the Confederation on 8 December 2022.

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