Data Protection Policy

Our Commitment

We collect and process personal data lawfully, fairly, and transparently and only for legitimate business purposes, including loan processing, customer verification, regulatory compliance, and service improvement.

Personal Data We May Process

We may process the following categories of personal data:

• Names and contact details
• Identification information
• Employment and financial information
• Banking details
• Loan application and repayment records
• Website and device information

Use of Personal Data

Personal data shall only be used for the following purposes:

• Loan assessment and administration
• Customer identification and verification
• Compliance with legal and regulatory requirements
• Fraud prevention and risk management
• Customer support and communication

Data Security

We implement appropriate technical and organizational measures to safeguard personal data against unauthorized access, disclosure, alteration, loss, or misuse.

Data Sharing

Personal data may be shared only where necessary with:

• Credit bureaus
• Regulatory authorities
• Law enforcement agencies
• Professional advisers and service providers
• Other parties where required by law or with customer consent

Data Subject Rights

Individuals may request:

• Access to their personal data
• Correction of inaccurate information
• Deletion of data where legally permissible
• Restriction of processing in appropriate circumstances

Data Retention

Personal data will be retained only for as long as necessary to fulfil business, legal, regulatory, and contractual obligations.

Breach Management

Any suspected data breach shall be investigated promptly, and appropriate corrective measures shall be taken to minimize risks and protect affected individuals.

Contact Information

Questions relating to this Data Protection Policy may be directed to OnTime Credit LTD through the official contact details below.