Privacy Policy
- Information We Collect
We may collect personal identification data such as your full name, national ID number, date of birth, gender, and contact details including phone, email, and address. We may also collect financial information such as income details, employment status, bank account details, credit history, and loan repayment records. In addition, we collect technical data including your IP address, browser type, operating system, and cookies to improve your browsing experience. When you submit loan or financing applications, we may collect application data and related documents.
- How We Use Your Information
We use your information to verify your identity and assess your eligibility for microfinance services. It is also used to process loan applications, manage repayment schedules, and comply with legal and regulatory obligations. Furthermore, we use your information to improve our website and services, enhance the customer experience, and communicate with you regarding your account, applications, or inquiries.
- Legal Basis for Processing
We process your data based on your consent when submitting applications online, our legal obligations under Egyptian law and the Financial Regulatory Authority, and our legitimate interest in operating and improving our services.
- Data Sharing and Disclosure
We may share your information with regulatory authorities such as the Financial Regulatory Authority (FRA) and the Central Bank of Egypt (CBE) when required by law. Your data may also be shared with third-party service providers including IT, payment, and verification partners under strict confidentiality agreements, and with credit bureaus or financial partners to assess creditworthiness. We do not sell your personal information to third parties.
- Data Storage and Retention
Your data is securely stored on servers located in Egypt or other jurisdictions compliant with Egyptian data protection laws. We retain your data only as long as necessary to fulfill the purposes stated in this policy or as required by law.
- Data Security
We implement strict security measures to protect your information including encryption of sensitive data, secure access controls, and continuous monitoring to prevent unauthorized access, misuse, or loss.
- Your Rights
Under Egypt’s Data Protection Law (Law 151 of 2020), you have the right to access your personal data, request correction or updates, withdraw consent when applicable, and request deletion of your data subject to legal and contractual requirements. You may exercise these rights by contacting us at the details provided below.
- Cookies and Tracking
Our website uses cookies to enhance performance, analyze visitor traffic, and remember your preferences for future visits. You may control cookie settings through your browser.
- Third-Party Links
Our website may contain links to external websites. We are not responsible for the privacy practices or content of these sites.
- Updates to This Privacy Policy
We may update this Privacy Policy from time to time. Updates will be published on this page along with the new effective date.