This policy explains how we process business, borrower, loan, repayment, reminder, and platform usage data across the service.
Nfunayo is a loan management platform built to help lenders manage customers, guarantors, collateral, loans, repayment schedules, collections, staff access, and communication workflows from one system.
This Privacy Policy explains what information we collect, how we use it, how we protect it, and the choices available to businesses and users who access the platform.
We collect account and business setup information such as names, email addresses, phone numbers, business details, branch details, and login credentials for authorised users.
We also process operational data entered into the platform, including borrower profiles, guarantor information, collateral records, loan terms, repayment schedules, payment records, notes, uploaded documents, and communication history such as SMS or email reminder logs.
Like most web applications, we may also collect technical and usage data such as device information, IP address, browser information, pages visited, timestamps, and security-related activity logs.
We use personal and operational data to provide and maintain the service, authenticate users, manage business accounts, record lending activity, generate reports, support exports, and keep repayment and collection records accurate.
Data may also be used to send system notifications, deliver SMS or email reminders where configured, respond to support requests, improve reliability, prevent abuse, and comply with legal or regulatory obligations.
We do not sell customer or borrower data. Information may be shared only with service providers and infrastructure partners that help us operate the platform, such as hosting, email, SMS, security, analytics, or support tools, and only where reasonably necessary.
We may also disclose information when required by law, regulation, court order, lawful government request, or where disclosure is necessary to investigate fraud, protect users, or enforce our terms.
We apply reasonable administrative, technical, and organisational safeguards to protect platform data. These measures may include access controls, password protection, transport encryption, logging, and role-based permissions.
No internet-based system can guarantee absolute security, so businesses should also use strong passwords, manage staff access carefully, and keep exported files and downloaded reports secure within their own operations.
We retain information for as long as needed to provide the service, support lawful business operations, resolve disputes, maintain backups, enforce agreements, and comply with legal obligations.
Where an account is closed, some information may remain in backups, logs, or compliance records for a reasonable period before deletion or anonymisation.
Businesses using the platform are responsible for ensuring that the borrower and operational information they enter is collected and used lawfully, accurately, and with the necessary permissions or legal basis.
Authorised users may review and update account information within the platform. If you need help with access, correction, or account-related privacy questions, you can contact us through the details below.
We may update this Privacy Policy from time to time to reflect product changes, legal requirements, or operational improvements. When we make material changes, we will update the effective date on this page.
Our team can walk you through how Nfunayo supports lender operations, staff access, and borrower data handling.