1. Information We Collect

We collect the following types of information when you use our website or apply for loans:

• Personal Information: This includes, but is not limited to, your name, email address, phone number, residential address, date of birth, and other identifying details required to process your loan application.
• Financial Information: When applying for a loan, we may collect information such as your income, employment status, credit history, and banking details.
• Technical Information: We may collect non-personally identifiable information related to your use of our website, such as your IP address, browser type, and website usage patterns through cookies and similar technologies.

2. How We Use Your Information

We use the information we collect for the following purposes:

• Loan Processing: To evaluate and process your loan applications.
• Customer Support: To respond to your inquiries, provide customer service, and update you on your loan status.
• Communication: To send important updates, marketing materials, or promotional offers (with your consent).
• Improvement of Services: To enhance our website functionality, user experience, and services based on usage data.
• Legal Compliance: To comply with legal obligations, prevent fraud, and fulfill regulatory requirements.

3. Data Security

We take the security of your personal and financial information seriously. Our cloud-based loan system is protected by advanced encryption technologies and secure protocols, ensuring your data is safe from unauthorized access, alteration, or disclosure.

• Encryption: All personal data is encrypted both in transit and at rest to ensure its security.
• Access Controls: We limit access to personal information to authorized personnel who need it to perform their job functions.
• Regular Monitoring: We conduct regular security audits to detect and prevent vulnerabilities in our systems.

4. Sharing Your Information

We do not sell, rent, or trade your personal information to third parties. However, we may share your data in the following circumstances:

• Service Providers: We may share your information with trusted third-party service providers (e.g., for identity verification or payment processing) who assist us in operating our website or conducting our business.
• Legal Requirements: We may disclose your information if required by law, court order, or governmental regulation.
• Protection of Rights: If we believe that the disclosure of your personal information is necessary to protect our rights, enforce our terms, or investigate any illegal activities, we may share the information with appropriate authorities.

5. Your Rights and Choices

You have the following rights regarding your personal information:

• Access and Correction: You may request access to the personal information we hold about you and request corrections if necessary.
• Data Portability: Upon request, we can provide you with a copy of your personal information in a structured, commonly used format.
• Deletion: You may request that we delete your personal information, subject to legal and contractual obligations.
• Marketing Preferences: You can opt out of receiving promotional communications at any time by following the unsubscribe instructions in our emails.

6. Cookies and Tracking Technologies

Our website uses cookies and other tracking technologies to improve user experience and monitor website traffic. These technologies help us understand how visitors interact with our website, allowing us to optimize our services.

• Essential Cookies: Necessary for website functionality and cannot be disabled.
• Performance Cookies: Help us analyze website traffic and usage.
• Marketing Cookies: Used to deliver personalized advertisements (with your consent).

You can adjust your browser settings to refuse cookies or alert you when cookies are being used. However, disabling cookies may affect your experience on our website.

7. Third-Party Links

Our website may contain links to third-party websites or services. Please note that we are not responsible for the privacy practices of those third parties. We encourage you to read their privacy policies before submitting any personal information.

8. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18 without parental consent, we will take steps to delete that information promptly.

9. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be posted on this page, and the “Effective Date” will be updated accordingly. Your continued use of our website after any changes indicates your acceptance of the revised policy.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us at:

Kundu Finance Limited
Email: info@kundufinance.com.pg
Contact No. : +675 7303 1323
Address: Ground Floor, Section 59, Allotment 8, Goroa Street, Hohola (Gordons), NCD, PNG