Privacy Policy

1. Introduction

Welcome to Divine Credit. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our lending application services.

By accessing or using our Service, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy.

2. Information We Collect

• Personal Identification Information: Full name, National Identification Number (NIN), phone number, physical address, and date of birth.
• Financial Information: Bank account details, mobile money statements, income estimates, and credit history.
• KYC Documents: Digital copies of your National ID, application forms, and passport-sized photographs as required by law.
• Device & Usage Data: IP address, browser type, operating system, and interaction logs with our platform for security and fraud prevention.

3. How We Use Your Information

We rely on the information collected to perform our core business functions, including:

• Loan Processing: Assessing your eligibility for loan products, calculating credit limits, and disbursing funds.
• Identity Verification: complying with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations mandated by the Uganda Microfinance Regulatory Authority (UMRA).
• Communication: Sending transaction alerts, repayment reminders, and support responses via SMS or email.
• Service Improvement: Analyzing usage patterns to enhance user experience and optimize our lending algorithms.

4. Sharing Your Information

We do not sell your personal data. However, we may share your information with:

• Credit Reference Bureaus (CRB): To check your credit history and report loan performance (including defaults), as required by law.
• Regulatory Authorities: We may disclose your information to UMRA or other government bodies if required by law or legal process.
• Service Providers: Third-party vendors who assist with SMS delivery, payment processing, or data storage, strictly under confidentiality agreements.

5. Data Security

We strictly restrict access to your personal data to authorized employees only. We employ industry-standard encryption protocols (SSL/TLS) to protect data transmission and secure storage systems to prevent unauthorized access, alteration, or destruction of your information.

6. Your Rights

Subject to applicable laws, you have the right to:

• Request access to the personal data we hold about you.
• Request correction of inaccurate or incomplete data.
• Request deletion of your data, provided there are no active loans or legal obligations requiring its retention.