Privacy Policy

1. Introduction

Welcome to ApnaQarz. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our interest-free loan services.

ApnaQarz operates in accordance with the principles of Islamic finance (Qarz-e-Hasna) and complies with applicable data protection laws in Pakistan. By using our services, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

We collect information that you provide directly to us when applying for a loan or contacting us:

Personal Information

• 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

Documents

• CNIC copy (front and back)
• Passport-size photograph / Selfie
• Proof of income (salary slips, business documents)
• Other supporting documents as required

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 Information

We use the information we collect for the following purposes:

• Process and evaluate your loan application
• Verify your identity and assess eligibility
• Communicate with you about your application status
• Disburse approved loan amounts
• Manage loan repayments and collections
• Provide customer support and assistance
• Send important updates about our services
• Improve our website and services
• Comply with legal and regulatory requirements
• Prevent fraud and ensure security

4. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information. We may share your information only in the following circumstances:

• Service Providers: With trusted third parties who assist us in operating our website and conducting our business (e.g., payment processors, document verification services)
• Legal Requirements: When required by law, court order, or government authority
• Protection of Rights: To protect our rights, privacy, safety, or property, and that of our users
• Business Transfers: In connection with a merger, acquisition, or sale of assets

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These include encryption of data in transit and at rest, secure servers, access controls, and regular security assessments. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

6. Your Rights

You have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Withdrawal of Consent: Withdraw your consent for processing where applicable
• Data Portability: Request your data in a structured, machine-readable format

To exercise any of these rights, please contact 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. Contact Us

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