Privacy Policy

1. Information We Collect

1.1 Personal Information

We collect information that identifies or relates to you as an individual:

• Account Information: Username, email address, and encrypted password
• Contact Information: Phone number, WhatsApp number
• Company Information: Business name, address, contact details
• Usage Information: Login timestamps, IP addresses, device information

1.2 Client Data

When you use our Service to manage your loan clients, we store:

• Client Information: Names, phone numbers, email addresses, P.O. Box numbers
• Loan Records: Loan amounts, interest rates, payment history, repayment schedules
• Tax Records: Tax calculations, tax rates, tax payment history

2. How We Collect Information

2.1 Information You Provide

We collect information you voluntarily provide when you:

• Create an account
• Enter client information
• Record loan transactions
• Contact us for support
• Update your profile

2.2 Automatic Collection

We automatically collect certain information when you use the Service:

• Log data (IP address, browser type, pages visited)
• Device information (type, operating system)
• Usage patterns and preferences
• Cookies and similar technologies

3. How We Use Your Information

3.1 Primary Purposes

We use your information to:

• Provide and maintain the Service
• Process loan calculations and generate reports
• Send important notifications (password resets, account updates)
• Respond to your inquiries and support requests
• Improve and optimize the Service

3.2 Legal Basis for Processing

We process your information based on:

• Contract Performance: To provide the Service you requested
• Legitimate Interests: To improve and secure our Service
• Legal Obligations: To comply with applicable laws
• Consent: Where required by law

4. Information Sharing and Disclosure

4.1 We Do Not Sell Your Data

4.2 Service Providers

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

• Hosting and infrastructure
• Email delivery
• Data backup and storage
• Analytics and monitoring

4.3 Legal Requirements

We may disclose information if required to:

• Comply with legal obligations
• Protect our rights and property
• Prevent fraud or illegal activities
• Protect user safety

5. Data Security

5.1 Security Measures

We implement industry-standard security measures including:

• Encryption: Passwords are hashed using industry-standard algorithms
• Secure Sessions: HTTP-only cookies and session management
• Access Controls: Role-based access to data
• Regular Updates: Security patches and updates

6. Data Retention

6.1 Retention Period

We retain your information for as long as:

• Your account is active
• Required by law or regulation
• Necessary for legitimate business purposes

6.2 Data Deletion

Upon account deletion, we will:

• Delete or anonymize personal information
• Retain only information required by law
• Maintain backups for a limited period

7. Your Privacy Rights

7.1 Your Rights

Depending on your location, you may have the right to:

• Access: Request a copy of your personal data
• Rectification: Correct inaccurate data
• Erasure: Request deletion of your data
• Portability: Receive your data in a portable format
• Objection: Object to certain processing
• Restriction: Limit how we use your data

7.2 Exercising Your Rights

To exercise any of these rights, contact us at shylockcapital.ltd@gmail.com. We will respond within 30 days.

8. Cookies and Tracking

8.1 What Are Cookies

Cookies are small text files stored on your device. We use them to:

• Maintain your session
• Remember your preferences
• Improve user experience
• Analyze usage patterns

8.2 Types of Cookies

9. Children's Privacy

Our Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your own. By using the Service, you consent to such transfers where applicable law requires such consent.

We ensure appropriate safeguards are in place for international transfers as required by applicable law.

11. Data Breach Notification

In the event of a data breach that compromises your personal information, we will:

• Notify affected users within 72 hours
• Provide details of the breach
• Recommend protective measures
• Report to authorities as required by law

12. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be communicated via:

• Email notification
• Notice on the Service
• Updated effective date

Continued use of the Service after changes constitutes acceptance of the updated policy.

13. Contact Us

For questions or concerns about this Privacy Policy, contact us: