Privacy Policy

Last Updated: January 1, 2024

1. Introduction

Claban Infotech ("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 use our loan management system and related services.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, and mailing address
• Financial Information: Bank account details, credit history, income information, and loan application data
• Identity Information: Government-issued ID numbers, date of birth, and social security numbers
• Employment Information: Employer details, job title, salary, and employment history
• Usage Information: Login credentials, system usage patterns, and user preferences

2.2 Technical Information

We automatically collect certain technical information when you use our services:

• IP address and device information
• Browser type and version
• Operating system and device specifications
• Cookies and similar tracking technologies
• System logs and error reports

3. How We Use Your Information

We use your personal information for the following purposes:

3.1 Service Provision

• Processing loan applications and managing loan accounts
• Providing customer support and technical assistance
• Maintaining and improving our services
• Communicating with you about your account and our services

3.2 Legal and Compliance

• Complying with applicable laws and regulations
• Preventing fraud and ensuring security
• Conducting risk assessments and due diligence
• Responding to legal requests and court orders

3.3 Business Operations

• Analyzing usage patterns to improve our services
• Conducting research and development
• Marketing and promotional activities (with your consent)
• Training and quality assurance

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

4.1 Service Providers

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

• Data processing and storage
• Payment processing
• Credit reporting and verification
• Customer support services

4.2 Legal Requirements

We may disclose information when required by law or to:

• Comply with legal obligations
• Protect our rights and property
• Ensure user safety and security
• Respond to government requests

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity as part of the business transaction.

5. Data Security

We implement comprehensive security measures to protect your personal information:

• Encryption: All data is encrypted in transit and at rest using industry-standard encryption protocols
• Access Controls: Strict access controls and authentication mechanisms
• Regular Audits: Regular security audits and vulnerability assessments
• Employee Training: Comprehensive security training for all employees
• Incident Response: Robust incident response procedures

6. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements
• Maintain business records

When we no longer need your information, we will securely delete or anonymize it.

7. Your Rights and Choices

You have the following rights regarding your personal information:

7.1 Access and Portability

• Request access to your personal information
• Receive a copy of your data in a portable format
• Verify the accuracy of your information

7.2 Correction and Updates

• Correct inaccurate or incomplete information
• Update your personal details
• Modify your account preferences

7.3 Deletion and Restriction

• Request deletion of your personal information
• Restrict processing of your data
• Object to certain uses of your information

8. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Provide personalized content and advertisements
• Ensure system security and functionality

You can control cookie settings through your browser preferences.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure that such transfers comply with applicable data protection laws and implement appropriate safeguards.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it promptly.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Displaying prominent notices in our services

12. Contact Information

If you have any questions about this Privacy Policy or our data practices, please contact us: