Privacy Policy

Introduction

Nakhalat Finance (Private) Limited ("we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

We collect information that you provide directly to us, including:

• Personal identification information (name, address, phone number, email)
• Financial information (employment details, income, banking information)
• Identification documents (national ID, proof of residence)
• Credit history and references
• Information provided through forms, applications, and communications

How We Use Your Information

We use the information we collect to:

• Process and evaluate loan applications
• Verify your identity and conduct credit assessments
• Communicate with you about your application and account
• Comply with legal and regulatory requirements
• Prevent fraud and maintain security
• Improve our services and customer experience

Information Sharing and Disclosure

We may share your information with:

• Credit reference bureaus for credit assessment purposes
• Regulatory authorities as required by law
• Service providers who assist in our operations (under strict confidentiality agreements)
• Legal and professional advisors when necessary

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

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Your Rights

You have the right to:

• Access your personal information we hold
• Request correction of inaccurate information
• Request deletion of your information (subject to legal obligations)
• Object to processing of your information
• Withdraw consent where processing is based on consent

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements.

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.

Contact Us

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