Privacy Policy
This Privacy Policy explains how we collect, use, share and protect your personal information when you visit our website, enquire about a loan, or become a customer. By using our website or applying for a loan, you agree to the practices described here.
Information we collect
- Identity information — your full name, date of birth, national ID or passport number, and photograph.
- Contact information — phone number, email address and physical address.
- Financial and employment information — income, payslips, employer details, business details, bank statements and existing commitments.
- Loan and transaction information — the loans you apply for and hold, repayments, and account activity.
- Technical information — basic data your browser sends when you visit the site, such as your IP address and pages viewed.
How we use your information
- To assess your loan application, including affordability and credit checks.
- To verify your identity and meet our Know Your Customer and anti-money-laundering obligations.
- To set up, manage and collect your loan, including arranging repayments and salary deductions.
- To contact you about your enquiry or account.
- To comply with our legal and regulatory obligations and protect against fraud.
Who we share it with
We do not sell your personal information. We may share it with credit reference bureaus, your employer where repayment is by salary deduction, regulators and law-enforcement bodies where required by law, and service providers who help us operate under confidentiality terms.
Credit reference bureaus
When you apply, we may search your record at a licensed credit reference bureau, and if you take a loan we may share details of your account and repayment behaviour. Responsible repayment helps build a positive credit record.
How long we keep it
We keep your information for as long as you are a customer and for a period afterwards, as required by law, then securely delete or anonymise it.
Your rights
Subject to applicable law, you may ask us to access, correct or delete your personal information, or object to certain uses of it. Contact us using the details on this site.
Changes to this policy
We may update this policy from time to time. The latest version always appears on this page.