We protect your data

1. Our Promise

We care about your privacy. This page explains how we collect and use your information when you use our interest-free loan services.

We follow Islamic finance rules and Pakistani laws to keep your data safe. When you use our site, you agree to how we handle your information.

2. What we collect

We only collect what we need to help you with your loan:

Your Details

• Full name (as per CNIC)
• CNIC (Computerized National Identity Card) number
• Mobile phone number
• Email address
• Residential address and city/location
• Date of birth

Financial Information

• Loan type and amount requested
• Employment status and income details
• Bank account information (for disbursement)
• Financial history relevant to loan assessment

Your Documents

• Your CNIC photo
• Your Selfie
• Proof of your income

Automatically Collected Information

• IP address and device information
• Browser type and version
• Pages visited and time spent on our website
• Referring website addresses

3. How we use your info

We use your details to:

• Check if you can get a loan
• Verify who you are
• Talk to you about your application
• Send you your money
• Help you manage your repayments

4. Who sees your info

We never sell or rent your details. We only share them when needed to process your loan or if the law requires it.

5. Security

We use strong security to keep your information safe from others. While we do our best, no system is 100% perfect, but we work hard to protect you every day.

6. Your Rights

You can:

• Ask to see the information we have about you
• Ask us to fix any mistakes in your details
• Ask us to delete your info if the loan is finished

Just email us at privacy@apnaqarz.com

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law. Loan records are typically retained for a minimum of 7 years after the loan is fully repaid, in compliance with regulatory requirements.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. These help us remember your preferences, analyze site traffic, and improve our services. You can control cookie settings through your browser preferences. Note that disabling cookies may affect certain features of our website.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children's Privacy

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

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically. Your continued use of our services after any changes constitutes acceptance of the updated policy.

12. Talk to us

If you have any questions about your privacy, please reach out: