We collect information you provide directly to us, such as when you apply for a loan, create an account, or contact us. This includes:

• • Personal identification information (name, NRC, date of birth)
• • Contact information (email, phone, address)
• • Financial information (income, employment, bank details)
• • Documents you upload (ID copies, payslips, bank statements)
• • Digital signatures and application data

We use the information we collect to:

• • Process and evaluate your loan application
• • Verify your identity and creditworthiness
• • Communicate with you about your application and account
• • Comply with legal and regulatory requirements
• • Prevent fraud and ensure security
• • Improve our services and customer experience

We may share your information with third parties in the following circumstances:

• • Credit bureaus for credit checks and reporting
• • Regulatory authorities as required by law
• • Service providers who assist in loan processing
• • Legal authorities when required by court order
• • With your explicit consent for specific purposes

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

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• • Encryption of sensitive data in transit and at rest
• • Regular security assessments and updates
• • Access controls and employee training
• • Secure data storage and backup systems

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Loan application data is typically retained for 7 years after the loan is fully repaid or the application is declined.

You have the right to:

• • Access your personal information we hold
• • Request correction of inaccurate information
• • Request deletion of your information (subject to legal requirements)
• • Object to processing of your information
• • Request data portability
• • Withdraw consent where processing is based on consent

To exercise these rights, please contact us using the information provided below.

If you have questions about this Privacy Policy or our data practices, please contact us:

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our website and updating the "Last updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.