Privacy Policy – Just Click Financial Services Loan Services

At Just Click Financial Services (“Company”), we are committed to protecting the privacy and confidentiality of our customers’ personal information. This Privacy Policy outlines how we collect, use, disclose, and protect the personal information we collect from individuals who avail our loan services (“Customers”). By accessing our loan services, Customers acknowledge and consent to the practices described in this Privacy Policy.

  1. Information We Collect: a. Personal Information: We may collect personal information such as name, contact details, date of birth, identification documents, employment details, financial information, and credit history. b. Transaction Information: We collect information related to loan applications, loan agreements, repayments, and any interactions between the Customers and the Company. c. Cookies and Tracking Technologies: We may use cookies and other tracking technologies to collect information about Customers’ browsing activities on our website, such as IP addresses, browser type, and pages visited.

  2. Use of Personal Information: a. Provision of Loan Services: We use personal information to process loan applications, assess creditworthiness, determine loan eligibility, and provide loan services to our Customers. b. Communication: We may use personal information to communicate with Customers, provide account updates, send important notices, and respond to inquiries and requests. c. Compliance and Legal Obligations: We may use personal information to comply with applicable laws, regulations, and legal processes, including identity verification, fraud prevention, and anti-money laundering checks. d. Business Operations: We may use personal information for internal purposes such as data analysis, improving our products and services, and enhancing the overall customer experience. e. Marketing and Promotions: With the Customers’ consent, we may use personal information to send marketing communications, offers, and promotions related to our loan services. Customers have the right to opt out of such communications at any time.

  3. Information Sharing: a. Third-Party Service Providers: We may share personal information with trusted third-party service providers who assist us in delivering loan services, such as credit bureaus, collection agencies, IT providers, and legal advisors. b. Legal Requirements: We may disclose personal information if required by law, regulation, or legal process, or if we have a good faith belief that such disclosure is necessary to protect our rights, property, or safety, or the rights, property, or safety of our Customers or others. c. Consent: We may share personal information with third parties if the Customers provide their explicit consent for such sharing.

  4. Data Security: a. We employ industry-standard security measures to protect personal information from unauthorized access, use, disclosure, alteration, or destruction. b. We restrict access to personal information to authorized employees, agents, and contractors who need to know the information to provide loan services and who are bound by strict confidentiality obligations.

  5. Data Retention: a. We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law or regulatory obligations.

  6. Your Rights: a. Customers have the right to access, correct, update, or delete their personal information held by the Company, subject to legal and contractual restrictions. b. Customers have the right to withdraw their consent for certain processing activities and to opt out of marketing communications.

  7. Changes to the Privacy Policy: a. We may update this Privacy Policy from time to time. Any changes will be effective upon posting of the revised Privacy Policy on our website. Customers are encouraged to review the Privacy Policy periodically for any updates.

  8. Contact Us: If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact our Privacy Officer using the contact information provided on our website.

By using our loan services, Customers acknowledge that