1. No sale of personal information
Service Provider will not rent or sell your personal information to third parties.
2. Information you provide when applying for loans
When you apply for a loan through the Website, we collect basic information about you through the registration process to uniquely identify you, perform credit verification and to confirm with statutory requirements.
When you apply for a loan through the Mobile Application, we collect basic information about you through the registration process to uniquely identify you, perform credit verification and to confirm with statutory requirements. The Service Provider may conduct a credit risk assessment of the Customer by itself, at its cost but without any obligation to do so, through a third party. On risk analysis we may consider following facts Contacts phone numbers, Battery Present, System Locale Language, Android Accounts, Android Model, Android Brand, Android VersionApp.
Except as noted in Section 6 below, the Service Provider will not disclose your personally identifiable Loan Transaction information to any third party without your consent.
3. Authorization for Usage of Third Party Data
Where you use this Website or services for and on behalf on any other person, whether being a member of your family, your friend or employee, you have their full and informed consent and authorization for such use; and
Where you provide any information on any other person, such as your family, friends or employees, you have their full and informed consent and you are authorized by such person to provide such personal information when using the Website or services.
Customer specifically and explicitly authorize the Lender to verify his personal data by sharing that personal data with any telecommunications service provider the OnCredit (Private) Limited deems fit to carry out Verification.
You acknowledge, consent and agree that Service Provider, its employees, or agents shall not be held liable for the collection, use, storage, processing, and disclosure of all such personal information provided by you under this paragraph.
4. Information from cookies and web beacons
Web beacons are tiny graphics with a unique identifier that are similar in function to cookies but, instead of being stored on your computer, are embedded invisibly on web pages and are about the size of the period at the end of this sentence. Web beacons are used to track the online movements of internet users. Service Provider uses them to better understand User interaction and engagement with the Website (including without limitation, in electronic Communications), such as by learning whether certain users have accessed the Website via links from other websites. Service Provider can use this information to tailor its audience for advertisements promoting Service Provider. You may set your browser preferences to opt out of the collection and use of this tracking information for ad targeting purposes.
5. Electronic communications
From time to time you will receive disclosures, notices, documents and information based on your current loan status ("Communications") from Service Provider (for example, confirmations of Loans obtained by you, confirmation of email address or password changes, or customer service inquiries regarding the status of or activity). By creating an account with Service Provider on the Website, you agree that all Communications from Service Provider relating to your use of the Website and participation in the Program may be provided or made available to you electronically by mobile SMS, by e-mail or at the Website.
By registering on the Website, you acknowledge that you can access the electronic Communications, and you consent to having all Communications provided or made available to you in electronic form and to obtain loan utilizing the online service provided by Service Provider. We may also provide you with Communications through physical mail.
6. Disclosure to affiliates, service providers, agents and representatives
For the purposes of providing full range of the services by the Service Provider, the latter may disclose your personal information to third parties only in the ways that are described in this privacy statement. The Service Provider's affiliates and external service providers (including, but not limited to the credit information bureau Sri Lanka for the purposes of obtaining your credit history), agents and representatives of the Service Provider and its affiliates may be provided with access to your personally identifiable information as part of, or incident to, their provision of services to the Service Provider. All such accesses shall be under appropriate confidentiality agreements and limited to use to provide services to the Service Provider.
7. Legal disclosures
8. Use of your information
9. Links to other websites
Service Provider takes reasonable steps to maintain appropriate physical, technical such as encrypting transmission of information using SSL and administrative security to help prevent loss, misuse and unauthorized access, disclosure and modification of personal information. While we take these reasonable efforts to safeguard your personal information, no system or transmission of data over the Internet or any other public network can be guaranteed to be 100% secure.
11. Retention period
12. Modifications; Interpretation
13. Requests & Complaints
If you believe that any of your personal data may have been misused or abused or otherwise compromised, or if you wish to withdraw your consent for processing of your personal data, you may lodge your inquiries and complaints to the Service Provider in accordance with the contact details as outlined below and discuss such matter, together with your contact details for reference. All such complaints will be resolved within 30 (Thirty) calendar days.
Filing such complaints shall not affect the lawfulness of any processing carried out before you withdraw your consent.
For Complaints please contact us on +94117811555 or e-mail - [email protected]