Privacy Policy

Information We Collect

We collect information provided during registration and loan application, including your name, birth date, gender, civil status, contact details, address, valid ID or Social Security details, uploaded ID images, employment and monthly income, beneficiary or referral information, requested loan details, and emergency contact information.

Health and Lifestyle Information

When relevant to an application or an optional insurance form, we may collect information about serious illnesses, current health conditions, medications, smoking, or alcohol consumption. This information is handled only for application assessment, insurance processing, verification, and lawful record keeping.

Facial Identity Verification

During registration, facial features from your live camera image may be compared on your device with the face shown on your submitted ID. We store the captured selfie, match result, and verification time privately so authorized staff can review identity evidence, prevent impersonation, and investigate fraud. Automated similarity is only one review signal and does not by itself guarantee approval.

How We Use Information

We use your information to verify identity, process loan applications, perform credit investigation, communicate application status, manage payments, prevent fraud, and maintain audit records required for business operations.

Data Protection

We apply reasonable security controls to protect personal data from unauthorized access, loss, misuse, or alteration. Access is limited to authorized personnel who need the data for lending, collection, verification, and support tasks.

Sharing of Information

We do not sell your personal information. We may share information only when needed for loan processing, legal compliance, fraud prevention, system maintenance, or when required by authorized government or regulatory bodies.

Your Rights

You may request access, correction, or review of your personal information, subject to verification and applicable record-keeping requirements.

Data Retention and Accuracy

We retain records only for as long as reasonably needed for lending operations, account servicing, legal obligations, audit requirements, and dispute resolution. You are responsible for providing accurate information and may contact us to request corrections.

Contact

For privacy questions, contact us at support@vcsportal.com.