Privacy Policy

1. Introduction

in24 B.V. ("in24", "we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

2. Information We Collect

Personal Information

We may collect personally identifiable information that you voluntarily provide to us when you:

• Apply for financing through our partner distributors
• Contact us through our website or email
• Subscribe to our newsletter or publications
• Participate in surveys or provide feedback

This information may include: full name, email address, phone number, physical address, identity documents, income information, employment details, and credit history.

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device, including IP address, browser type, operating system, referring URLs, and pages viewed.

3. How We Use Your Information

We use the information we collect to:

• Process and service loan applications and agreements
• Conduct credit assessments and risk management
• Communicate with you about your loan status and repayment schedules
• Improve our services and develop new products
• Comply with legal and regulatory obligations
• Prevent fraud and maintain security
• Send you relevant updates, newsletters, and promotional materials (with your consent)

4. Information Sharing and Disclosure

We may share your information with:

• Partner Distributors: To facilitate product delivery and after-sales support
• Credit Bureaus: To assess creditworthiness and report repayment behavior
• Financial Institutions: Investors and banks that fund our loan portfolios
• Service Providers: Third-party vendors who assist with technology, data analytics, and customer service
• Legal Authorities: When required by law or to protect our rights

We do not sell your personal information to third parties for marketing purposes.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Loan-related data is typically retained for at least seven years following loan closure in accordance with financial regulations.

7. Your Rights

Depending on your location, you may have the following rights:

• 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)
• Objection: Object to certain processing activities
• Data Portability: Request transfer of your data to another service provider
• Withdraw Consent: Withdraw consent for marketing communications at any time

To exercise these rights, please contact us using the information provided below.

8. International Data Transfers

in24 operates across Sub-Saharan Africa and the Netherlands. Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information in accordance with applicable data protection laws.

9. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. You can control cookies through your browser settings. For more information, please refer to our Cookie Policy.

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 information from a child, we will take steps to delete it promptly.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically.

12. Contact Us

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