1. Information We Collect

When you apply for a loan or use our website, we collect personal data such as your name, contact details, date of birth, government‑issued ID, income information, bank details, and any documents you upload (e.g., payslips, utility bills).

2. How We Use Your Data

We use your information to:

• Assess your loan eligibility and process applications
• Verify your identity and prevent fraud
• Communicate with you about your application and repayments
• Comply with legal and regulatory obligations

3. Data Sharing & Disclosure

KlubFinance shares personal data only with:

• Our licensed Partner Bank to disburse funds
• Authorized service providers for identity verification and fraud prevention
• Regulators or law enforcement when required by law

4. Cookies & Tracking

We use cookies and similar technologies to enhance site functionality, analyze usage, and personalize your experience. You may disable non-essential cookies via your browser settings, but this may affect site performance.

5. Data Security

All data is encrypted in transit (TLS) and at rest. Access is restricted to authorized personnel, and we conduct regular security audits to protect against unauthorized access, disclosure, alteration, or destruction.

6. Your Rights

You have the right to access, correct, or delete your personal data. You may also object to or restrict our processing, or request data portability. To exercise these rights, contact us at privacy@klubfinance.online.

7. Retention Period

We retain your personal data for as long as necessary to fulfill the purposes outlined here, or as required by applicable laws—generally up to 7 years after your last interaction with us.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be posted on our website with the effective date. Continued use of our services implies acceptance of the revised policy.