Why do we collect your data?
We use your data to offer you our services, improve the services and products we offer, send you notifications, offers and promotions that may be of interest to you, protect our rights and interests and those of third parties, and comply with laws and regulations. We use the information collected to:
Process your request and provide you services.
Develop and offer new services, as well as guarantee and improve the quality of existing services.
Manage and improve our web pages, preserve their security and ensure that content is presented in the most efficient way on your device.
Verify your identity (with mechanisms such as facial recognition, biometric fingerprint and voice technologies, and online identification systems).
Perform credit checks, evaluate your ability to repay the loan and offer the most appropriate services to each client.
Identify and prevent fraud, money laundering, financing of terrorism and other criminal activities.
Comply with our legal obligations, for example, the law on consumer credit contracts, the regulations against money laundering and the financing of terrorism, and the laws on accounting and taxation.
Recover debts that you may have with us.
Check, update and implement new technologies for the identification and assessment of risk and solvency, fraud prevention, the fight against money laundering and terrorist financing.
Any other legitimate use linked to the relationship with the client.
How do we collect your data?
When you provide them to us directly and when you use our products or our website, through cookies and similar technologies. We may also collect your data from third parties.
We collect or may collect information in the following ways or in the following processes:
Being provided by the client when filling out our loan application on our web pages, in our mobile applications, on social networks, by email, by phone or by any other means or service.
Automatically, when using our website, our products or services.
When it is provided to us by third parties, such as other partners or group companies.
Through cookies, tracking technology ("tracking beacon") and similar technologies.
When you report a problem, or when you contact us regarding our products or services.
When you participate in discussion forums, post comments on our blog or use other functions of social networks on our website, as well as when you participate in a promotion, survey or any other activity organized through our website or our social networks.
When you participate in a contest, promotion or survey, also with our partners and on social media.
If you contact us for any other reason through the aforementioned channels.
Every time you visit our website or use our mobile applications, we may automatically collect the following information:
Technical data, such as the type of device, the IP address and the Internet provider used to connect the device to the network, access data, browser type and version, time zone, types and versions of plug-ins, platform and system operating mode, screen resolution, location, character encoding.
Data about your visit, such as the URL flow of clicks in, out and browsing the web (including date and time), the products you viewed or searched for, the referring and exit pages, the files viewed (HTML pages, graphics, etc.), page response times, download errors, duration of page visits, information about interaction on the page (when you scroll with the mouse, when you click or when you hover over something), and the methods used to leave the page, date and time, data about the click stream, and any phone numbers used to call our customer service.
We may request information about you from third parties, such as other companies in the group, common credit and asset solvency files, respecting data protection regulations and, when necessary, requesting your consent in advance. We may receive information about you:
In the process of applying for a loan or other similar product. In it we can:
Find information about you, your solvency, your financial position, liabilities and debts, employment status, relevant records (including those containing information on income, credit history, debts to third parties, addresses, false identity documents, fraud, money laundering of capital and terrorist financing), agencies, financial institutions, group companies, third parties, and publicly accessible sources.
Receive the information you have provided to loan officers and our business partners when requesting a service.
Receive information from banks, financial and payment institutions about the charges you have paid us.
From other group companies and from those business partners with whom we collaborate in the contests, promotions or surveys in which you participate.
From business partners responsible for providing technical, payment and delivery services, ad networks, analytical providers, and search providers when they offer us services.
In any other case in which you have agreed to disclose your data to us.
What information do we collect?
We may collect data such as name and surname, identity document / tax identification number, address, email and telephone number, date of birth, gender, marital status, number of minor children, employment status, company for which you work, telephone work, IP address, device ID, monthly income and expenses, financial and credit card information, bank account number, transactions in bank accounts, personal description, voice recording (outgoing and incoming calls), photo or image , image of your identity document, signature and any other information that you decide to provide us.
We will record the information you provide us, store it, and we may use it in the ways mentioned above. Likewise, the client authorizes us to record the communications that we maintain by telephone.
Acceptance of the data collection.
By completing the loan application and / or confirming the loan granted, the client declares himself informed, consents and expressly authorizes us to collect the information detailed above.
The acceptance of the data collection, authorizes us to share your data to develop and offer you new services, carry out solvency assessments and risk analysis, for recovery purposes, in the case of sale of our loan portfolio and for comply with laws and regulations.
Do we share your data?
We may communicate your data to other companies of the group, and third parties if required, to comply with our contractual obligations and for the other purposes set forth in this policy, in the Terms and Conditions and in the contract signed with the client for the purpose:
That those who offer services on our behalf can identify and authenticate you.
With those who help us in our commercial activity, hosting and developing our website, conducting risk assessments, detecting possible fraud, carrying out recovery activities, customer service, fighting against fraud and financing of terrorism, providing analytics on the use of our services, and helping us in our marketing activities.
For the purpose of providing and developing new services.
Whenever the law requires us, we will provide information about the use of our services and the visits made to our websites, when we believe in good faith that we need to provide that information to protect our rights, your safety and that of others, avoid and investigate fraud, or respond to an official request.
To identify, investigate and prevent fraud, and to help protect against fraud in order to reduce credit risk.
To identify, investigate and prevent money laundering and terrorist financing activities.
We may share your personal data with providers or similar services such as companies dedicated to granting loans to consumers and common files of equity and credit solvency, as well as agencies, non-governmental organizations and corresponding national authorities, as well as other third parties, in order to guarantee a thorough analysis of your creditworthiness.
When we process and make direct charges and other payments made by you under the loan agreement, we may also share your personal data with third party payment processing service providers.
In the event of total or partial breach of the commitments acquired, we may transfer the data corresponding to your pending liabilities to companies dedicated to debt recovery and credit bureaus, as well as to legal services companies.
We may share your personal data with search and analytics providers that help us improve and optimize the website.
In the case of the total or partial sale of the company or the assignment of the liabilities that it maintains with us to a third party, we will be forced to share your information.
For any other of the purposes listed in this document.
When we share data, we are committed to ensuring that the recipient has the same security measures for storing and processing personal data as we do.
The data that we collect about you may be processed and stored in any Cameroon Regulatory Body country. The information collected may be shared with our providers, including payment processes, data analysis (fraud, risks and credit checks), collection of information about the use of our services and web pages, advertising purposes or the provision of help to respond to requests. needs related to your product or service.
What rights do you have over your data?
You can request the cancellation of the personal data that we keep as long as they are not necessary for the recovery of an existing debt or to inform the relevant authorities before whose authority we must provide information on the occasion of the granting of the loan or of possible crimes that have been effected.
You have the right to ask us to update, correct or delete (as long as that does not affect the services we provide you) your personal data at any time. Please note that we may reject requests that put the privacy of third parties at risk, are repetitive or unreasonable, or require disproportionate effort. However, please know that we are subject to a series of legal obligations that prevent us from immediately deleting your personal data. These obligations emanate from anti-money laundering legislation, tax regulations and laws on consumer rights.
You must inform us of any change in the information that you have provided us at the time of formalizing the contract (s) or for any future collaboration, as well as if you are convinced that the personal data that we are treating about you is not correct.
You have the right to renounce receiving newsletters and bulletins by email, SMS messages or any other similar promotional information at any time, by sending an email to [email protected] indicating the unsubscribe request in the body of the email and your identification data. Likewise, at the end of each email of a commercial nature, a link will appear to which if you access you may stop receiving our promotions. Please note that our messages may contain useful or important information about our products, discounts and other offers that may be of interest to you.
We do our best to protect your personal data and keep it safe. However, if you think we have violated your rights, please contact us to fix it. You also have the right to file a complaint with the competent data protection body.
Do we make automatic decisions about the data collected from the customer?
Our system makes assessments of the solvency and credit information of the requests we receive, at the time of granting a loan, which cover both the grant and the amount approved.
This information is treated with the utmost confidentiality. By using our service, the customer agrees that their data will be collected, used and shared in accordance with the terms detailed above.
How long do we keep your data?
We may keep your personal data even after you are no longer our client, or if you have never been granted any financing, in order to guarantee our legal interests in the event of a dispute with the client, or if so established by law.
However, we keep personal data for the time strictly necessary taking into account the purpose for which said data was collected, which is usually to comply with our contractual obligations to you, exercise our legitimate interests, or to meet deadlines. conservation of data required by law.
How can you contact us?