1. Introduction

Sikadwa Loans (“we”, “our”, “us”) is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, store, and protect your information when you use our website, loan services, and management platform.

By using our services, you agree to the terms of this Privacy Policy.

2. Information We Collect

We may collect the following types of information:

a) Personal Information

• Full name
• Date of birth
• National ID / Identification number
• Phone number
• Email address
• Residential and work address

b) Financial Information

• Income details
• Employment or business information
• Loan history and repayment records
• Mobile money or bank account details

c) Guarantor Information

• Name, contact details, and relationship to borrower

d) Technical Information

• IP address
• Device information
• Browser type
• Login activity

3. How We Use Your Information

We use your information to:

• Process and manage loan applications
• Verify identity and assess creditworthiness
• Disburse loans and track repayments
• Communicate with you regarding your account
• Enforce loan agreements and recover debts
• Improve our services and systems

4. Information Sharing

We may share your information with:

• Internal staff and authorized agents
• Guarantors (where applicable)
• Legal and regulatory authorities
• Debt recovery agencies in case of default
• Service providers (e.g., payment processors, SMS providers)

We do not sell your personal data to third parties.

5. Data Security

We implement appropriate technical and organizational measures to protect your data against unauthorized access, loss, or misuse. However, no system is completely secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as necessary to:

• Fulfill the purposes outlined in this policy
• Comply with legal and regulatory obligations
• Resolve disputes and enforce agreements

7. Your Rights

You have the right to:

• Access your personal data
• Request correction of inaccurate information
• Request deletion of your data (subject to legal obligations)
• Object to certain processing activities

Requests can be made through our contact details below.

8. Cookies and Tracking

Our website may use cookies and similar technologies to improve user experience and analyze usage. You can control cookie settings through your browser.

9. Third-Party Services

Our platform may integrate with third-party services such as mobile money providers. We are not responsible for the privacy practices of these third parties.

10. Updates to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated date.

11. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us:

Sikadwa Loans
Location: Zambia
Phone: +260 775544170
Email: sikadwaloans@gmail.com