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This Privacy Policy outlines the principles and procedures governing the collection, use, disclosure, and protection of personal data gathered from individuals accessing the platform operated by Consumer Bureau Limited (“we,” “us,” or “our”) through our website, https://assetloangh.com (the “Website”). We are committed to safeguarding your privacy and ensuring that your personal information is protected. This Privacy Policy provides clarity on the types of data we collect, how it is used, shared, and stored, as well as your rights regarding the management of your personal information.
This Privacy Policy applies to the services offered by Consumer Bureau Limited via the Website, including the processes involved in loan applications, customer service, marketing activities, and website usage analytics. This Privacy Policy governs all data processing activities, including the collection, use, storage, and transfer of personal data as described herein. It does not apply to the practices of any third-party entities, unless specified otherwise.
By using the Website, submitting personal data through the loan application process, or otherwise interacting with us, you agree to the terms outlined in this Privacy Policy. If you do not agree with any part of this Privacy Policy, you must discontinue using our Website and refrain from submitting any personal information. We reserve the right to modify this Privacy Policy at any time, and such changes will be posted on the Website.
For purposes of this Privacy Policy, the following terms shall have the meanings set forth below: “Personal Information” refers to any information relating to an identified or identifiable individual, including but not limited to name, contact details, address, identification documents, and financial information. “Bank Partner” refers to the financial institution(s) with whom we collaborate to provide asset loan services to our customers. “Cookies” refers to small files placed on your device by our website to track user activity and preferences.
For any inquiries or concerns related to this Privacy Policy or the handling of your personal data, please visit the contact us page.
We collect various types of personal information from users who interact with our Website and utilize our services. The categories of data we collect include, but are not limited to: Identity Information: Full name, gender, date of birth, marital status, and identification documents (e.g., national ID, passport). Contact Information: Home address, email address, phone numbers, next of kin details, and profession. Financial Information: Bank account details, loan history, income and expenditure information, and asset details for securities. Employment Information: Employment status, employer name, and employer contact details. Referee Information: Name and contact details of personal or professional referees, as part of the loan application process. Other Documentation: Bank statements, standing orders, direct debit forms, and any documents containing the customer's signature.
As part of the loan application process, we collect specific additional information necessary to assess your eligibility for the loan. This includes, but is not limited to: The contact details of referees provided by the applicant. Bank forms such as standing orders or direct debit instructions, which are necessary to facilitate loan repayments.
Our Website may use cookies and other tracking technologies to collect data about your online activities, including your IP address, browser type, and interactions with our Website. This information is used for analytics purposes and to enhance user experience, as described in more detail in Section 6 of this Privacy Policy.
We do not engage third-party services to collect personal information on our behalf. All personal data collected is handled directly by Consumer Bureau Limited and its authorized personnel, except where specified that data is shared with our Bank Partner for loan processing purposes.
The legal basis for collecting and processing personal information is primarily to fulfill our contractual obligations to you (i.e., the processing of your loan application). In addition, we may collect data based on your consent (e.g., for marketing purposes) and where required by law.
The personal information we collect is used for a variety of legitimate business purposes necessary to operate and improve the services we offer through the Website. Specifically, we use the information you provide for the following purposes: Loan Application and Processing: We use your personal and financial information to process and assess your loan application, including sharing your information with our Bank Partner to evaluate your eligibility for a loan. This involves reviewing your creditworthiness, verifying the information provided, and making determinations about loan approval. Communication with Bank Partner: We share relevant personal and financial information with our Bank Partner to facilitate loan approvals and management of your loan account. Fraud Detection and Risk Management: We utilize your information to identify potential fraudulent activities and to assess the risk of approving your loan application. This includes conducting necessary due diligence and background checks. Customer Service: Your personal information is used to respond to your inquiries, provide customer support, and assist you in tracking the status of your loan application. This helps ensure you are informed about your loan process and that your concerns are addressed in a timely manner. Website Improvement and Analytics: We use data collected through cookies and other tracking technologies to improve our Website’s functionality, enhance the user experience, and optimize our services based on user behavior and preferences. Marketing and Promotional Communications: With your explicit consent, we may use your contact information to send marketing and promotional materials related to our products and services. You can opt out of receiving such communications at any time by following the instructions provided in the communications or by contacting us directly.
The primary legal basis for processing your personal data is the performance of our contract with you to facilitate loan application and approval through the Website. In certain instances, we may also rely on your consent (e.g., for marketing communications) or on our legitimate interest (e.g., fraud prevention and improving services) to process your data.
We treat sensitive financial information with the highest level of care and use it solely for the purposes of evaluating your loan application and communicating with our Bank Partner regarding the loan approval process. Your financial details, such as bank account numbers, loan history, and income details, are processed securely and in compliance with applicable laws governing financial transactions.
Employment and referee information is collected and used as part of the loan application process to verify the legitimacy of the applicant’s claims and to assess creditworthiness. This information is shared with our Bank Partner when necessary to complete the loan evaluation and approval process.
We do not engage in any form of automated decision-making that could have a significant impact on you. All loan decisions are made based on a thorough evaluation of the information you provide, and a human decision-making process is always involved.
We may share your personal information with our Bank Partner for the purpose of processing and approving your loan application. The types of information disclosed include, but are not limited to: Identity Information (e.g., name, date of birth, ID proofs) Contact Information (e.g., phone number, email, home address) Financial Information (e.g., bank details, income and expense data, loan history) Employment Information (e.g., job title, employer contact details) Referee Information (e.g., name and contact information of referees provided by you) The information is disclosed to the Bank Partner in order to assess your loan application, manage your loan account, and comply with relevant financial and regulatory requirements.
not share your personal information with third-party service providers for any purpose, including advertising, analytics, or payment processing. All data is handled internally by Consumer Bureau Limited or our Bank Partner directly involved in the loan approval and processing activities.
We may disclose personal information when required by law or when we believe that such disclosure is necessary to comply with a legal obligation, protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a legal request or court order. This includes disclosures made to regulatory authorities or law enforcement agencies, as necessary, in accordance with applicable law.
In the event that Consumer Bureau Limited undergoes a business transaction such as a merger, acquisition, reorganization, or asset sale, your personal information may be transferred as part of that transaction. Any such transfer will be subject to the same privacy protections outlined in this Privacy Policy, and we will notify you in the event of a significant change in the way your personal data is handled.
We do not sell or disclose your personal information to third parties for marketing or advertising purposes without your explicit consent. All marketing communications sent by Consumer Bureau Limited will be based on your consent and you will always have the right to opt out of receiving such communications.
Consumer Bureau Limited may transfer personal data to locations where our web servers are hosted outside of your jurisdiction. Such transfers are primarily for technical purposes related to the operation of our services.
We ensure that any data transferred outside your jurisdiction is protected by appropriate safeguards, such as contractual agreements, to ensure it meets relevant data protection standards.
Our Website utilizes cookies and similar tracking technologies to enhance the user experience and to gather data for analytical purposes. Cookies are small text files that are placed on your device when you access our Website, allowing us to recognize your device and track how you interact with our Website. The use of cookies enables us to understand user behavior, improve our services, and ensure that the Website operates efficiently.
The cookies used on our Website fall into the following categories: Strictly Necessary Cookies: These cookies are essential for the proper functioning of the Website. They enable basic functions such as navigation, security, and access to secure areas of the Website. Without these cookies, the Website may not operate correctly. Performance and Analytics Cookies: These cookies collect information about how visitors use our Website, such as which pages are visited most frequently and any error messages encountered. The data collected helps us to improve the performance and design of the Website. Functionality Cookies: These cookies allow the Website to remember your preferences, such as language settings or region selection, to provide a more personalized experience during future visits. Targeting and Marketing Cookies: With your consent, we may use these cookies to deliver marketing communications that are relevant to your interests. These cookies help us to tailor advertisements based on your browsing behavior on our Website.
ave the right to manage your cookie preferences at any time. Although our Website does not currently provide an integrated cookie management tool, you can adjust your browser settings to block or delete cookies. Please note that if you choose to block cookies, certain features of the Website may not function as intended, and your user experience may be affected.
Except for strictly necessary cookies, we will obtain your consent before placing cookies on your device. When you first visit our Website, you will be provided with the option to accept or decline the use of certain cookies. You may change your cookie preferences at any time by adjusting your browser settings or contacting us directly.
Our Website does not currently use any third-party tracking technologies for advertising or analytics purposes. However, if this changes in the future, we will update this Privacy Policy accordingly and provide you with the option to opt out of any such third-party tracking.
For further information about the cookies we use, how we process data collected through cookies, or how to manage your cookie preferences, please contact us at the details provided in the Contact Information section of this Privacy Policy.
Consumer Bureau Limited does not knowingly collect, process, or store personal information from children under the age of 18. Our services, including the loan application process, are not directed at or intended for individuals who are minors. We understand the importance of protecting children’s privacy and are committed to complying with all applicable legal requirements regarding the collection and processing of personal data related to children.
If we become aware that we have inadvertently collected personal information from a child under the age of 18 without verifiable parental consent, we will take immediate steps to delete such information from our records. If a parent or guardian believes that their child has provided us with personal information without their consent, they should contact us at the details provided in the Contact Information section, and we will promptly take action to remove the child's information from our systems.
Our platform and the services provided through our Website are strictly limited to users who are legally capable of entering into contracts. By submitting a loan application or providing personal data through our Website, you confirm that you are at least 18 years of age. We reserve the right to request proof of age at any stage of the data collection or loan application process. In the event that we find a user to be under the age of 18, their account or application will be terminated, and all related data will be deleted.
We adhere to all applicable data protection laws and regulations related to the privacy of minors, including those prescribed by the laws of your jurisdiction. We take all reasonable measures to prevent the collection of personal data from minors and ensure that children’s privacy rights are safeguarded in accordance with relevant legal standards.
At Consumer Bureau Limited, we prioritize the security and confidentiality of your personal information. We implement stringent security measures designed to protect your data from unauthorized access, disclosure, alteration, or destruction. Our comprehensive security program incorporates both technical and organizational safeguards to ensure the ongoing protection of personal data stored and processed by our systems.
We use industry-standard encryption technology to safeguard your personal data during transmission. All sensitive information, including financial details and identification documents, is encrypted to protect it from interception or unauthorized access while being transmitted across networks. This ensures that any data you submit through our Website is secure from potential threats.
We restrict access to personal information to authorized personnel who require such access to perform their job functions. This includes employees, contractors, and our Bank Partner. Each authorized individual is subject to strict confidentiality obligations and is trained to handle personal data in compliance with applicable privacy laws. Access to sensitive information is granted based on a “need-to-know” basis, ensuring that only essential personnel have access to your data.
To ensure that our systems remain secure, we conduct regular monitoring and assessments of our infrastructure. This includes continuous scanning for security vulnerabilities, the application of necessary patches or updates, and periodic security audits. We also employ intrusion detection systems to identify any unauthorized attempts to access our data, allowing us to respond quickly to potential security threats.
In the event of a data breach or other security incident, we have a comprehensive incident response plan in place. This plan includes notifying relevant authorities, including data protection regulators, where required by law. We will also notify affected individuals if their personal data has been compromised in a manner that poses a significant risk to their rights and freedoms. Our response to any security incident will be swift and in full compliance with applicable legal requirements.
If a data breach occurs, we are committed to promptly informing both regulators and affected users as required under applicable law. Notifications will provide clear and transparent information regarding the nature of the breach, the data affected, the potential consequences, and the measures being taken to mitigate the impact of the breach. We will also provide guidance on any steps you can take to protect yourself further.
dition to digital security, we implement physical security measures to protect the infrastructure that stores personal data. Our data storage facilities are equipped with robust physical security controls, including restricted access points, security cameras, and other surveillance mechanisms to prevent unauthorized physical access to data storage systems.
Security threats are constantly evolving, and we remain vigilant in adapting to new challenges. We are committed to continuously improving our security measures by staying informed about the latest security developments and integrating best practices into our data protection strategies. We work closely with industry experts and regularly review our policies to ensure that your personal data is secure at all times.
Consumer Bureau Limited retains your personal information for as long as necessary to fulfill the purposes for which it was collected, including processing your loan application, administering your loan account, and complying with legal obligations. The duration for which we retain personal data is based on a variety of factors, including the need to maintain accurate records for financial, legal, and regulatory purposes. We commit to not retaining your data longer than is required for these legitimate business purposes.
Financial information, including bank account details, loan history, and related documentation, is retained for the duration of your relationship with us, as well as for any additional period required by applicable laws, such as anti-money laundering regulations and tax laws. Once this data is no longer required for the purposes for which it was collected or as mandated by law, we will securely delete or anonymize it in a manner that prevents unauthorized access or use.
When your personal information is no longer required, Consumer Bureau Limited will securely dispose of it through established data deletion and destruction processes. This includes the deletion of digital records from our systems and the secure destruction of any physical copies of personal information, ensuring that the data is rendered unreadable and cannot be reconstructed.
There may be instances where we are legally required to retain certain data for longer periods. This may occur in situations such as ongoing legal proceedings, tax audits, or other regulatory investigations. In such cases, we will retain only the specific information necessary for compliance and will take all appropriate steps to ensure that it is securely stored and used only for the purposes required by law.
We periodically review our data retention policies to ensure that we continue to comply with applicable legal requirements and industry best practices. This includes assessing whether personal data that we hold is still necessary for the purposes it was originally collected and updating our data management practices accordingly.
You have the right to request the deletion of your personal data when it is no longer necessary for the purposes for which it was collected. You may contact us to request that we delete your data, and we will take all reasonable steps to comply with your request, provided that we are not legally required to retain the data. If your data cannot be deleted due to legal obligations, we will inform you of the specific reasons.
You have the right to request access to the personal information we hold about you. Upon receiving such a request, we will provide you with a copy of your personal data, along with details on how we process it, the purposes for which it is used, and any third parties with whom it has been shared. We aim to respond to such requests in a timely manner and in accordance with applicable legal requirements.
u believe that any personal information we hold about you is inaccurate, incomplete, or outdated, you have the right to request its correction. You can contact us to request that your data be updated or rectified, and we will take prompt action to ensure that your information is accurate and up-to-date.
You have the right to request that your personal data be erased when it is no longer necessary for the purposes for which it was collected, or when you have withdrawn your consent for data processing, where consent is the legal basis for processing. We will take all reasonable steps to ensure that your data is deleted in compliance with your request, unless we are required by law to retain certain information.
In certain circumstances, you may have the right to request the restriction of the processing of your personal data. This right may apply, for example, if you contest the accuracy of the data we hold or if you believe that the processing is unlawful but prefer that the data not be erased. When processing is restricted, we will continue to store your data but will not engage in any further processing until the issue is resolved or until you provide consent for additional processing.
Where applicable, you have the right to request that we provide you with a copy of your personal data in a structured, commonly used, and machine-readable format, so that you may transfer it to another service provider. This right applies where the processing of your data is based on your consent or the performance of a contract, and the processing is carried out by automated means. Upon your request, we will facilitate the transfer of your data to a third party where technically feasible.
You have the right to object to the processing of your personal data in certain circumstances, such as when the processing is based on legitimate interests or is being used for direct marketing purposes. If you raise an objection, we will cease processing your data for those specific purposes unless we can demonstrate compelling legitimate grounds for the processing, or if the processing is necessary for legal claims.
Where we rely on your consent for the processing of your personal information, you have the right to withdraw that consent at any time. Withdrawing your consent will not affect the lawfulness of the processing carried out before your withdrawal. If you withdraw your consent for a specific purpose, we will cease processing your data for that purpose, unless another legal basis for processing exists.
To exercise any of your rights under this section, you may contact us using the details provided in the Contact Information section of this Privacy Policy. We will respond to your request in accordance with applicable legal requirements and will inform you of any actions taken as a result of your request. In certain cases, we may need to verify your identity before fulfilling your request, in order to ensure that we are protecting your personal data from unauthorized access or alteration.
In most cases, there will be no fee for exercising your data protection rights. However, we reserve the right to charge a reasonable fee if your request is manifestly unfounded or excessive, particularly if it is repetitive. We may also refuse to comply with your request in such circumstances but will provide a clear explanation if this occurs.
The Consumer Bureau Limited website does not contain links to third-party websites or services. All interactions, including the loan application process, product selection, and customer service, are conducted exclusively through our Website. Therefore, users do not need to navigate away from our platform to third-party sites when using our services.
rt of our commitment to protecting your personal data, we do not engage third-party service providers for data collection, processing, or marketing purposes outside of our direct partnership with our Bank Partner. All personal data submitted through our platform is handled solely by Consumer Bureau Limited and our Bank Partner, for the purpose of processing your loan applications and delivering products. We do not disclose your personal information to third-party marketing agencies, advertisers, or external service providers.
The only third party with whom your personal information may be shared is our Bank Partner. The sharing of this data is necessary to facilitate the processing of your loan application and the subsequent management of your loan account. The Bank Partner receives all the necessary personal, financial, and employment information provided during the loan application process to assess your eligibility and process the loan. The Bank Partner operates in compliance with its own privacy policy, which governs the handling of your personal data after it has been transferred for loan processing purposes.
While we do not currently engage third-party websites or services, if this changes in the future, Consumer Bureau Limited will not be responsible for the privacy practices of third parties, including websites or services linked to our platform. Users who choose to interact with third-party websites, even if they are accessible via links provided by us in the future, are encouraged to review those third parties' privacy policies to understand how they manage and protect personal data. However, as of the effective date of this Privacy Policy, no third-party links or services are included in our platform.
Consumer Bureau Limited reserves the right to amend, modify, or update this Privacy Policy at any time. We are committed to ensuring that our Privacy Policy remains compliant with applicable laws and reflects any changes in our data processing activities or service offerings. We recommend that users regularly review this Privacy Policy to stay informed about how we are protecting their personal data. Any modifications made to the Privacy Policy will be posted directly on our Website, and the updated policy will become effective upon posting.
In the event of material changes to this Privacy Policy, Consumer Bureau Limited will notify users by updating the effective date at the top of the policy and, where necessary, providing a prominent notice on the Website. Depending on the nature of the changes, we may also notify users via email or other direct communication methods. It is important to note that your continued use of our Website and services following any updates to this Privacy Policy will be deemed acceptance of the modified terms.
Changes to this Privacy Policy may include, but are not limited to, updates to the categories of personal information we collect, the purposes for which we use or disclose your data, our data retention practices, or changes in regulatory or legal obligations. We are committed to maintaining transparency about how we collect, use, and protect personal information, and will ensure that any updates reflect our ongoing commitment to data privacy and security.
If any changes to this Privacy Policy significantly affect the way we process your personal data, we may request your explicit consent to continue processing your information under the new terms. This is particularly relevant in cases where the basis for processing changes, such as if we intend to use your data for new marketing purposes or share it with additional third parties. If required, we will seek your consent before implementing such changes, and you will have the right to refuse or withdraw your consent at any time.
To maintain transparency, Consumer Bureau Limited will retain copies of previous versions of our Privacy Policy. Users who wish to review earlier versions of the policy can request access to these documents by contacting us using the information provided in the Contact Information section. This ensures that you can fully understand how your data has been managed throughout your engagement with our platform, even if our Privacy Policy has undergone updates or changes.
Consumer Bureau Limited is committed to complying with all applicable data protection laws and regulations in the jurisdictions in which we operate. This includes, but is not limited to, compliance with the General Data Protection Regulation (GDPR) for users located in the European Economic Area (EEA) and the Data Protection Act in our country of operation. We ensure that all data collection, processing, storage, and transfer activities are carried out in accordance with the highest standards of data protection, providing transparency, fairness, and accountability in our practices.
Given the nature of our business, which involves facilitating asset loans, we also comply with all relevant financial regulations. These regulations require us to implement strict procedures for the collection, verification, and retention of customer data related to financial transactions. This includes complying with anti-money laundering (AML) laws, Know Your Customer (KYC) regulations, and other requirements that ensure the lawful use of personal and financial data in relation to loan applications.
For users located in the EEA, we adhere to the provisions of the General Data Protection Regulation (GDPR), which grants individuals specific rights regarding their personal data. Under GDPR, we ensure that: We process personal data lawfully, fairly, and transparently. Personal data is collected for specified, legitimate purposes and is not further processed in a manner incompatible with those purposes. Data is accurate, kept up to date, and retained only for as long as necessary to fulfill the purpose for which it was collected. Appropriate technical and organizational measures are in place to protect personal data from unauthorized access or breaches. Additionally, we ensure that users have the right to access, rectify, or delete their personal data, as well as the right to object to or restrict data processing under certain circumstances.
In addition to data protection and financial regulations, Consumer Bureau Limited complies with other laws that may apply to our business operations. This includes laws related to e-commerce, consumer protection, and electronic communications. Our commitment to regulatory compliance ensures that your personal data is handled in accordance with all relevant legal requirements and that your rights as a user are protected under applicable law.
We will cooperate with governmental and regulatory authorities in response to legal requests for information. This may include providing personal data to law enforcement, courts, or other agencies if required by law, regulation, or court order. When responding to such requests, we will ensure that any disclosure is limited to the specific data required by law, and we will notify affected users where permitted by law.
To ensure ongoing compliance with applicable laws and regulations, we regularly monitor changes to relevant legal frameworks. Our legal and compliance teams work closely together to review and update our data protection practices, ensuring that we remain compliant with any new or amended laws. If significant regulatory changes occur, we will update this Privacy Policy accordingly and notify users of any material impacts on their data or their rights.
If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, you may contact us using the contact us page. We encourage all users to reach out if they have any concerns about how their data is being collected, processed, or stored.
ustomer support team is available to assist you with any privacy-related inquiries, including requests to access, rectify, or delete your personal data. We aim to respond to all privacy-related inquiries in a timely and comprehensive manner. You can reach our support team via email or phone during normal business hours, and we will work to resolve any issues or concerns you may have.
If you believe that your personal data has been handled inappropriately or in violation of this Privacy Policy, you have the right to lodge a complaint with us directly. We take all complaints seriously and will investigate your concerns in a prompt and thorough manner. If you are not satisfied with the outcome of your complaint, you may also have the right to escalate your complaint to a data protection authority or other regulatory body, depending on your jurisdiction.
Where required by law, Consumer Bureau Limited has appointed a Data Protection Officer (DPO) to oversee compliance with data protection laws and this Privacy Policy. If you wish to contact our DPO directly, you can do so by reaching out to the contact information provided on contact us page. The DPO is responsible for ensuring that we comply with applicable data protection laws and that your personal data is handled in accordance with best practices for privacy and security.
We strive to respond to all privacy-related inquiries within a reasonable timeframe, typically within 30 days of receiving your request. In cases where additional time is needed to respond to a complex request, we will inform you of the reason for the delay and provide an estimated timeline for resolution.