Our Privacy Policy - MyCredit Ltd

Introduction

This Privacy Policy describes how MyCredit (“we,” “us,” or “our”) collects, uses, and discloses your personal information when you visit, interact with our services, make a transaction through our platforms, or communicate with us (collectively, the “Services”). The terms “you” and “your” refer to any user of our Services—whether a customer, website visitor, or another individual whose information we collect.

We may update this Privacy Policy from time to time. Any changes will be posted on our website with an updated “Last Updated” date. Please review this policy regularly to stay informed.

1. Personal Information We Collect

Information You Provide Directly

When you interact with our Services, you may provide us with personal information such as:

Contact Details: Name, address, email, phone number, and identification information.
Transaction Information: Loan applications, disbursement details, repayment records, and payment confirmation.
Account Information: Login credentials, security questions, and communication preferences.
Customer Support Information: Details you share when reaching out for support or inquiries.

Certain features may require specific information to be provided. Choosing not to provide this information may limit your access to some of our services.

Information We Collect Automatically

We may collect the following information automatically:

Usage Data: IP address, browser type, device identifiers, and interaction data from our website or platforms.
Cookies and Similar Technologies: We use cookies, beacons, and other technologies to enhance your experience and analyze service usage. You can manage cookies via your browser settings.

Information from Third Parties

We may receive information about you from:

Service Providers: Loan management systems, mobile payment providers, credit bureaus, and analytics platforms.
Marketing Partners: Organizations that help us reach you with relevant financial offers and updates.

All third-party information is handled in accordance with this Privacy Policy.

2. How We Use Your Personal Information

We use the personal data we collect to:

Deliver Financial Services: Process applications, manage loans, facilitate repayments, and offer customer support.
Improve and Develop Services: Enhance user experience and develop new products.
Marketing and Communication: Send relevant updates, promotions, and service-related messages. (In the EEA, this is based on legitimate interest per Art. 6 (1) (f) GDPR.)

Security and Compliance: Prevent fraud, verify identities, and comply with regulatory requirements.

3. How We Share Your Personal Information

We may share your personal information with:

Service Providers and Vendors: Including credit reference bureaus, IT service providers, payment partners, and cloud storage services.
Business and Marketing Partners: That assist us in outreach and customer engagement.
Affiliated Companies: Within the MyCredit group for business purposes.
Legal and Regulatory Authorities: Where required to comply with applicable laws or protect our legal interests.

We do not sell or share personal data as defined under applicable data protection laws.

4. Data Retention

We retain personal data only as long as necessary for the purposes outlined, including meeting legal, regulatory, and accounting obligations.

5. Your Rights

Depending on your jurisdiction, you may have the right to:

Access / Know: Request a copy of the personal data we hold.
Delete: Ask for your data to be erased.
Correct: Fix inaccuracies in your information.
Data Portability: Receive your data in a portable format.
Restrict Processing: Limit the use of your personal information.
Withdraw Consent: Where processing is based on consent.
Marketing Preferences: Opt out of marketing communications. Transactional messages will still be sent.

To exercise these rights, please contact us via the details provided below. We may require identity verification before acting on your request.

6. Security Measures

We use technical and organizational safeguards to protect your data. However, no system is 100% secure. Please avoid sharing sensitive information over unsecured channels.

7. Third-Party Websites and Links

Our website may contain links to external websites not governed by this policy. We encourage you to review their privacy practices before sharing any personal information.

8. Children’s Data

Our services are not intended for individuals under 18. We do not knowingly collect personal data from minors. If you believe a minor has submitted personal information, please contact us so we can delete it.

9. International Data Transfers

If we transfer your data outside your home country (including transfers outside the EEA), we use legally approved safeguards such as Standard Contractual Clauses to ensure data protection.