1. Information We Collect

We collect the following types of information to provide and improve our lending services:

• Personal Information: Name, ID number, phone number, email address
• Financial Information: Credit history, loan repayment records, transaction history
• Device Information: Device type, operating system, IP address
• Usage Data: How you interact with our platform and services

2. How We Use Your Information

We use your information for the following purposes:

• Processing loan applications and disbursements
• Assessing creditworthiness and managing risk
• Communicating about your account and transactions
• Detecting and preventing fraud
• Improving our services and user experience
• Complying with legal and regulatory requirements

3. Information Sharing

We may share your information with:

• Credit Bureaus: To report payment history and assess creditworthiness
• Payment Processors: To facilitate loan disbursements and repayments
• Service Providers: Who assist in operating our platform
• Legal Authorities: When required by law or to protect our rights
• Business Partners: With your explicit consent for specific services

We do not sell your personal information to third parties.

4. Data Security

We implement industry-standard security measures to protect your information, including:

• Encryption of sensitive data in transit and at rest
• Secure authentication and access controls
• Regular security audits and updates
• Employee training on data protection

5. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Loan and transaction records are kept for a minimum of 7 years as required by financial regulations.

6. Your Rights

You have the following rights regarding your personal information:

• Access: Request a copy of your personal information
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your information (subject to legal requirements)
• Opt-Out: Opt out of the lending program and deactivate your account
• Data Portability: Request your data in a portable format

7. Cookies and Tracking

We use cookies and similar technologies to improve your experience, analyze usage patterns, and maintain security. You can control cookie preferences through your browser settings.

8. Third-Party Links

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. Please review their privacy policies before providing any information.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

10. Changes to Privacy Policy

We may update this Privacy Policy periodically. We will notify you of significant changes through our platform or via email. Continued use of our services after changes constitutes acceptance of the updated policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy or how we handle your information, please contact our support team.