Last Updated: May 2025

Privacy Policy

1. Information We Collect

We may collect the following types of information:

• Personal Identification Information: Name, date of birth, government-issued ID numbers, photographs
• Contact Information: Address, email address, phone number
• Financial Information: Income details, bank account information, credit history
• Transaction Information: Details about products and services you've obtained from us
• Technical Information: IP address, browser type, device information when you use our website or app

2. How We Collect Information

We collect information through:

• Application forms (both online and physical)
• Correspondence (emails, letters, phone calls)
• Transactions and account activities
• Credit reporting agencies
• Cookies and similar technologies on our website
• Third parties where permitted by law

3. How We Use Your Information

We use your information to:

• Process applications and provide financial services
• Verify your identity and prevent fraud
• Assess creditworthiness and manage risk
• Comply with legal and regulatory requirements
• Improve our products and services
• Communicate with you about your accounts and services
• For internal business purposes like data analysis and audits

4. Information Sharing and Disclosure

We may share your information with:

• Credit bureaus and reporting agencies
• Regulatory authorities as required by law
• Service providers who assist in our operations (under strict confidentiality agreements)
• Legal entities during business transfers like mergers or acquisitions

We do not sell your personal information to third parties for marketing purposes.

5. Data Security

We implement robust security measures including:

• Encryption of sensitive data
• Secure servers and networks
• Access controls and authentication procedures
• Regular security audits and testing
• Employee training on data protection

6. Data Retention

We retain your personal information:

• For as long as necessary to provide services
• To comply with legal obligations (typically 7+ years for financial records)
• For legitimate business purposes

7. Your Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Withdraw consent where applicable
• Lodge complaints with regulatory authorities

8. Cookies and Tracking Technologies

Our website uses cookies to:

• Enhance user experience
• Analyze website traffic
• Remember preferences

You can control cookies through your browser settings.

9. Changes to This Policy

We may update this policy periodically. Significant changes will be communicated through our website or directly to customers.