Privacy Policy

1. Information We Collect

1.1 Personal Information

We may collect the following types of personal information:

• Identity Information: Full name, date of birth, national ID number, passport details
• Contact Information: Address, phone number, email address
• Financial Information: Asset details, valuation information, transaction history
• Employment Information: Occupation, employer details, income information
• Asset Information: Details about items used as collateral, photographs, ownership documentation

1.2 Automatically Collected Information

• IP address and browser information
• Website usage patterns and preferences
• Device information and operating system
• Cookies and similar tracking technologies

2. How We Use Your Information

We use your personal information for the following purposes:

• Service Provision: To process your asset-backed financial transactions
• Asset Valuation: To assess and value your collateral items
• Identity Verification: To verify your identity and prevent fraud
• Communication: To send service updates, notifications, and marketing materials
• Legal Compliance: To meet regulatory requirements and prevent money laundering
• Risk Management: To assess and manage business risks
• Service Improvement: To enhance our services and customer experience

3. Information Sharing and Disclosure

We may share your information in the following circumstances:

3.1 Service Providers

We may share information with trusted third-party service providers who assist us in:

• Asset storage and security services
• Payment processing and banking services
• Credit checks and verification services
• IT services and data hosting
• Legal and professional advisory services

3.2 Legal Requirements

We may disclose your information when required by:

• Zambian law and regulations
• Court orders or legal proceedings
• Law enforcement agencies
• Financial intelligence unit requests
• Anti-money laundering requirements

3.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction.

4. Data Security

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

• Encryption: All sensitive data is encrypted in transit and at rest
• Access Controls: Limited access to authorized personnel only
• Physical Security: Secure facilities for asset storage and data centers
• Regular Audits: Periodic security assessments and updates
• Staff Training: Regular privacy and security training for employees
• Incident Response: Procedures for handling data breaches

5. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements
• Maintain business records (typically 7 years for financial records)

After the retention period, we securely destroy or anonymize your personal information.

6. Your Rights

You have the following rights regarding your personal information:

• Access: Request copies of your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your information (subject to legal requirements)
• Portability: Request transfer of your data to another service provider
• Objection: Object to processing for marketing purposes
• Restriction: Request restriction of processing in certain circumstances

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

7. Cookies and Tracking

Our website uses cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Provide personalized content and advertisements
• Improve website functionality and security

You can control cookie settings through your browser preferences.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it immediately.

10. International Data Transfers

Your information may be processed and stored in countries other than Zambia. We ensure appropriate safeguards are in place to protect your information during international transfers.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Displaying prominent notices on our platform

Continued use of our services after changes constitutes acceptance of the updated policy.

12. Contact Information

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:

We will respond to your inquiries within 30 days of receipt.

13. Governing Law

This Privacy Policy is governed by the laws of the Republic of Zambia. Any disputes arising from this policy will be resolved in the courts of Zambia.