Privacy Policy

1. Introduction

Kemlan Financing Limited ("Kemlan," "we," "us," or "our") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, apply for our financial products, or interact with our services.

By using our services, you consent to the data practices described in this policy. If you do not agree with the terms of this privacy policy, please do not access our website or use our services.

2. Information We Collect

2.1 Personal Information

When you apply for a loan or use our services, we may collect:

• Full name, title, and date of birth
• Tax Registration Number (TRN)
• Contact information (email, phone, address)
• Employment information (employer, salary, job title)
• Banking information (bank name, account number)
• Identification documents
• Marital status and number of dependents

2.2 Automatically Collected Information

When you visit our website, we automatically collect:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our site
• Referring website information

3. How We Use Your Information

We use the information we collect to:

• Process and evaluate loan applications
• Verify your identity and prevent fraud
• Communicate with you about your application and loans
• Send payment reminders and account updates
• Improve our services and customer experience
• Comply with legal and regulatory requirements
• Send marketing communications (with your consent)

4. Information Sharing and Disclosure

We may share your information with:

• Service Providers: Third-party companies that help us operate our business (payment processors, email service providers)
• Credit Bureaus: To verify creditworthiness and report loan performance
• Legal Authorities: When required by law or to protect our rights
• Employers: For salary deduction verification (with your consent)

We do not sell, trade, or rent your personal information to third parties for marketing purposes.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of sensitive data (bank account numbers, identification)
• Secure Socket Layer (SSL) technology for data transmission
• Access controls limiting who can view your information
• Regular security audits and monitoring
• Secure physical storage of documents

However, no method of transmission over the Internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including:

• Active loan accounts: Duration of the loan plus 7 years
• Declined applications: 2 years
• Contact form submissions: 2 years
• Newsletter subscriptions: Until you unsubscribe

7. Your Rights

You have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your information (subject to legal requirements)
• Opt-out: Unsubscribe from marketing communications at any time
• Withdraw Consent: Withdraw consent where processing is based on consent

To exercise these rights, please contact us using the information provided below.

8. Cookies and Tracking

Our website uses cookies and similar technologies to enhance your experience. Cookies are small files stored on your device that help us:

• Remember your preferences
• Maintain your session security
• Analyze website usage patterns

You can control cookies through your browser settings. Disabling cookies may affect certain features of our website.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last Updated" date. We encourage you to review this policy periodically.

12. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us: