Mualamat Loan Services ("Mualamat," "we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your personal information when you interact with our services, including our website, loan applications, and customer support.
1. Information We Collect
We may collect the following types of information:
1.1 Personal Information
- Name
- Contact details (address, phone number, email)
- Identification documents (e.g., government-issued IDs)
- Financial information (bank account details, income, credit history)
- Employment details
1.2 Non-Personal Information
- Browser and device information
- IP address
- Website usage data
1.3 Sensitive Information
- Any other information required to comply with legal or regulatory obligations.
2. How We Collect Information
We collect information in the following ways:
2.1 Directly from you:
- Loan applications
- Customer support inquiries
- Online forms and submissions
2.2 Automatically:
- Through cookies and tracking technologies when you use our website.
2.3 From third parties:
- Credit reporting agencies
- Financial institutions
- Public records
3. How We Use Your Information
We use your information for the following purposes:
- To process and assess loan applications.
- To verify your identity and financial status.
- To comply with legal and regulatory requirements.
- To improve our services and user experience.
- To communicate with you about your account and services.
- For fraud prevention and security.
4. Sharing Your Information
We may share your information with:
4.1 Service Providers:
Third-party vendors who assist with operations such as credit checks, payment processing, and IT services.
4.2 Legal and Regulatory Authorities:
To comply with laws, regulations, or legal processes.
4.3 Other Parties:
In connection with a merger, acquisition, or sale of our business assets. We do not sell your personal information to third parties.
5. Data Retention
We retain your information as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce agreements.
6. Data Security
We implement appropriate technical and organizational measures to safeguard your information against unauthorized access, loss, or misuse. However, no system can guarantee absolute security.
7. Your Rights
You have the following rights regarding your information:
- Access: Request access to your personal information.
- Correction: Request corrections to inaccurate or incomplete information.
- Deletion: Request deletion of your information, subject to legal or regulatory retention requirements.
- Withdrawal of Consent: Withdraw consent for data processing, where applicable.
8. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance user experience and analyze website traffic. You can manage cookie preferences through your browser settings.
9. International Data Transfers
If your information is transferred outside your country of residence, we ensure that it is protected under applicable data protection laws.
9. Changes to this Privacy Policy
We may update this Privacy Policy periodically. Changes will be posted on our website with the updated effective date. Continued use of our services after changes constitutes acceptance of the revised policy.
