Privacy Policy

When you visit the PCU Plus website, contact us, create an account or use our services, you may be asked to provide certain personal information.

This Privacy Policy explains how PCU Plus Limited collects, uses, stores and protects your personal information. Please review it carefully.

Information We Collect

PCU Plus Limited collects personal information with your knowledge and consent, except where collection is otherwise permitted or required by law. We collect information reasonably necessary to provide our services, respond to customer requests and operate our business.

We may collect information from the following sources:

1. Information you provide directly to us
2. Information collected automatically when you use our website
3. Information received from authorized third parties

Information You Provide

Information you provide may include:

• Your name, email address, telephone number and other contact information
• Account-registration and customer-profile information
• Billing, payment and financing information where applicable
• Contact and communication history, including online chat, email, telephone, SMS, WhatsApp and social-media messages
• Product reviews, survey responses and promotional-entry information
• Information submitted through customer-service or product-support requests

Information Collected Automatically

When you use our website, certain information may be collected automatically, including:

• Products and pages viewed
• Saved items and website activity
• Browser, device and operating-system information
• Internet Protocol (IP) address
• Cookies and similar technologies
• Approximate location information, where available and permitted

This information helps us operate the website, improve the customer experience, understand audience behaviour and detect or prevent fraudulent activity.

Information From Third Parties

We may receive information from third-party services and authorized business partners, including Google, Meta platforms, payment or financing providers and fraud-prevention services.

Depending on your interaction with these services, the information may include your name, contact details, social-media profile information, demographic information and fraud-detection or transaction-verification information.

How We Use Your Information

We may use your personal information to:

• Provide and improve our products and services
• Respond to inquiries and customer-service requests
• Manage customer accounts where applicable
• Process and validate transactions where applicable
• Provide order, collection, delivery and service updates
• Personalize your website and customer experience
• Administer surveys, promotions and customer-reward activities
• Understand customer preferences and audience trends
• Detect, investigate and prevent fraud or unauthorized activity
• Meet our legal, regulatory and record-keeping obligations

Sharing Your Information

PCU Plus Limited does not sell your personal information or share it with other companies for their independent marketing purposes.

Where reasonably necessary to provide our services, we may share relevant information with:

• Suppliers and approved service providers
• Delivery and technical-support providers
• Payment, financing and fraud-prevention providers
• Professional advisers and technology providers
• Our affiliated organization, the Trinidad and Tobago Police Credit Union Co-operative Society Limited

We may also disclose personal information where required by law, legal process or a lawful request from an authorized government or law-enforcement agency.

Keeping Your Information Secure

PCU Plus Limited uses reasonable administrative, technical and physical safeguards designed to protect personal information against theft, loss, unauthorized access, misuse, alteration or disclosure.

Although we take reasonable steps to protect your information, no internet-based system or electronic-storage method can be guaranteed to be completely secure.

Retention of Personal Information

Personal information will be retained only for as long as reasonably necessary to provide our services, maintain business records, resolve disputes and satisfy applicable legal and regulatory requirements in Trinidad and Tobago.

Minors

Customers must be at least eighteen (18) years old to enter into a transaction with PCU Plus Limited. If you are a parent or legal guardian and believe that a child has provided us with personal information, please contact us immediately.

Communications

PCU Plus Limited may send marketing and promotional communications by email, SMS or other approved channels where you have provided consent or where otherwise permitted by law.

You may unsubscribe from marketing communications at any time by using the unsubscribe option provided or by contacting us. You may still receive essential service-related communications, including account, transaction, policy, collection, delivery or product-support updates.

Contact Us

If you have questions about this Privacy Policy or how your information is handled, please contact PCU Plus Limited:

Changes to This Privacy Policy

PCU Plus Limited may update this Privacy Policy periodically. Any changes will become effective when the revised policy is published on this page. Customers are encouraged to review this page periodically for updates.

Privacy Policy last updated: September 2026