1. Introduction
ESN Microcredit (“ESN”, “we”, “us”, or “our”) is committed to protecting the privacy of our users. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform, mobile applications, and related services (collectively, the “Services”).
2. Information We Collect
We may collect the following categories of information:
- Personal Information: Full name, email address, phone number, national ID or passport details, date of birth, and physical address.
- Financial Information: Bank account details, mobile-money identifiers, transaction history, and credit-assessment data.
- Device & Usage Data: IP address, browser type, device identifiers, operating system, pages visited, and interaction timestamps.
- Location Data: Approximate geolocation derived from your IP address or, with your consent, precise GPS coordinates.
3. How We Use Your Information
- Process loan applications and disburse funds.
- Verify your identity and prevent fraud.
- Communicate important account updates and promotional offers.
- Improve and personalise your experience on our platform.
- Comply with applicable legal and regulatory obligations.
4. Information Sharing
We do not sell your personal data. We may share information with trusted third parties only when necessary for service delivery (e.g., payment processors, credit bureaus), when required by law, or with your explicit consent.
5. Data Security
We employ industry-standard encryption, access controls, and monitoring systems to protect your data. While no method of transmission or storage is completely secure, we continually review and enhance our security practices.
6. Data Retention
We retain personal information for as long as your account is active or as needed to provide the Services, comply with legal obligations, resolve disputes, and enforce our agreements. When data is no longer required, it is securely deleted or anonymised.
7. Your Rights
Depending on your jurisdiction, you may have the right to:
- Access, correct, or delete your personal data.
- Withdraw consent for data processing.
- Request data portability.
- Object to automated decision-making.
To exercise any of these rights, contact us at support@esnmicrocredit.com.
8. Cookies
We use essential cookies to maintain sessions and preferences. Analytics cookies may be used to understand how the platform is used. You can manage cookie preferences through your browser settings.
9. Changes to This Policy
We may update this policy from time to time. Material changes will be communicated via email or an in-app notice. Continued use of the Services after changes constitutes acceptance.
10. Contact Us
If you have questions about this Privacy Policy, please contact us at support@esnmicrocredit.com.