Privacy Policy

Privacy Policy for Awabiz General Dealers Limited Effective Date: 01/01/2025 Awabiz General Dealers Limited ("we," "our," or "us") is committed to protecting the privacy of our customers ("you" or "Borrowers"). This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you interact with us. By using our services, you agree to the terms outlined in this policy.

1. Information We Collect We collect the following types of information to provide and improve our services: 1.1 Personal Information Name, address, date of birth, and gender Identification documents (e.g., passport, national ID, driver’s license) Contact details (phone number and email address) Bank account and financial information (e.g., salary slips, tax information) Employment and income details 1.2 Non-Personal Information Browsing data, device information, and IP address when you visit our website or app Cookies and usage analytics 1.3 Credit and Verification Information Credit history and credit score from credit bureaus Loan repayment behavior

2. How We Use Your Information We use your information for the following purposes:
2.1 To evaluate loan applications and assess creditworthiness
2.2 To verify your identity and prevent fraud
2.3 To process loan transactions and manage your account
2.4 To comply with legal and regulatory requirements
2.5 To communicate updates, offers, and notifications related to your loan
2.6 To improve our services, including conducting surveys and market research

3. Sharing Your Information We may share your personal information under the following circumstances: 3.1 With Third Parties Credit bureaus and financial institutions to assess your creditworthiness Debt collection agencies in the event of default Service providers that assist us with loan processing, IT support, or data storage 3.2 For Legal Compliance To comply with applicable laws, regulations, or court orders To cooperate with law enforcement or regulatory authorities 3.3 With Your Consent We may share your information with third parties when you explicitly consent to such sharing.

4. Data Security We implement appropriate technical and organizational measures to protect your information from unauthorized access, loss, or misuse. These measures include: Encrypted storage of sensitive data Secure transmission of data using SSL or TLS Regular monitoring of our systems for vulnerabilities However, no data transmission or storage system is completely secure. You share information with us at your own risk.

5. Data Retention We retain your information for as long as necessary to fulfill the purposes outlined in this policy, including to comply with legal, accounting, or reporting requirements. Once the retention period ends, your data will be securely deleted or anonymized.

6. Your Rights As a Borrower, you have the following rights regarding your personal information:
6.1 Access and Correction: Request access to your data and correct inaccuracies.
6.2 Data Deletion: Request the deletion of your personal data, subject to legal requirements.
6.3 Withdraw Consent: Withdraw consent for specific data processing activities.
6.4 Lodge Complaints: File a complaint with the appropriate data protection authority if you believe your rights have been violated. To exercise these rights, contact us using the details below.

7. Cookies and Tracking Technologies We use cookies and similar tracking technologies to enhance your experience on our website. These may include: Essential Cookies: Necessary for the operation of our website. Analytics Cookies: Used to analyze website traffic and performance. You can manage your cookie preferences through your browser settings.

8. Third-Party Links Our website or app may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. Please review their privacy policies before providing personal information.

9. Updates to This Privacy Policy We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. The updated version will be posted on our website and will take effect immediately.

10. Contact Us If you have questions or concerns about this Privacy Policy, or if you want to exercise your rights, please contact us: Awabiz General Dealers Limited Plot No.6/T/380A Off Great East Road, Waterfalls, Lusaka, Zambia +260978999263/+260977762685 awabiz2023@gmail.com

11. Governing Law This Privacy Policy is governed by the laws of the Republic of Zambia, and any disputes will be resolved in the courts of competent Jurisdiction.