Last Updated: 31.08.2003

1. Introduction

Welcome to OnePoint mobile app, your trusted lending marketplace. This Privacy Policy is aimed at informing you of our practices concerning the collection, use, and disclosure of information you provide us through the OnePoint mobile app.

2. Data Collection

When you utilize our services, we collect the following information:

  • Email address: Verified using a one-time password (OTP).
  • Mobile number: Verified using a one-time password (OTP).
  • Additional contact numbers: Up to five numbers provided by you.
  • Credit score, ID/Passport data, and income information: With your explicit consent, we may retrieve this information from sources like Credit Bureau and Digital Government integrations.
  • Digital KYC Data: Implemented via third-party integration with SIMA, backed by AzInTelecom founded by the Ministry of Communications and Transport.
  • Debit Card Details: We collect the 16-digit card number and cardholder's name for loan agreement purposes. No other card details are obtained.

3. How We Use Your Information

We primarily use the information to:

  • Facilitate and process your loan applications.
  • Enhance the user experience and improve our services.
  • Facilitate direct fund transfers to your bank card.
  • For legally binding agreements between us and you.
  • For our referral system, which may offer rewards for customer referrals.

4. Data Sharing & Disclosure

Your data will be shared with:

  • Embafinance: Our current lending partner for processing your loan applications.
  • SIMA: For implementing digital KYC and digital signature verification.
  • Selected Banks and PayRiff: As part of our integration with the PayRiff gateway, your data might be shared with Leobank, Kapital Bank, IBA, and Rabita Bank.

5. Data Security

Your privacy is paramount to us. All data collected is securely stored and protected against unauthorized access. Our partnerships, like with Innoland Incubation and Acceleration Center under the Innovations Center of ASAN, further cement our commitment to providing a safe and trustworthy platform.

6. User's Consent

By using the OnePoint mobile app, you consent to the collection, use, and sharing of your personal information as outlined in this Privacy Policy.

7. Changes to This Policy

We may occasionally update our Privacy Policy. Any changes will be reflected here, and we advise users to periodically review our policy.

8. Contact Us

If you have any questions or concerns regarding our Privacy Policy, please contact us at [email protected]