Last Updated: 27 July 2026
Introduction
Loanly Micro Financing (“Loanly“, “we“, “our“, or “us“) is committed to protecting the privacy and security of the information entrusted to us.
This Privacy Policy describes how we collect, use, store, process, and protect personal information when you use the Loanly platform, including our Web Application, Android Application, iOS Application, and any related services (collectively referred to as the “Platform”).
By accessing or using the Platform, you acknowledge that you have read and understood this Privacy Policy.
Depending on the services you use, we may collect the following types of information.
• Full name
• National Identification Number (e.g., CNIC)
• Mobile number
• Email address
• Date of birth
• Gender
• Residential and business addresses
• Occupation and employment information
• Income and financial details
• Customer photographs
• Signatures
• Emergency contact information
• Other information required for customer verification and loan processing
To provide our financial services, we may collect:
• Loan applications
• Loan history
• Repayment information
• Credit assessments
• Financial documents
• Guarantor information
• Business information
• Supporting documentation
When you use the Platform, we may automatically collect:
• Browser type
• Device type
• Operating system
• IP address
• Application version
• Device identifiers
• Network information
• Error reports
• Performance and diagnostic data
• Usage statistics
Where required for authorised business operations, we may collect location information to:
• Verify customer visits
• Record field activities
• Validate loan disbursement locations
• Record repayment visits
• Improve operational efficiency
• Help prevent fraud
Location information is collected only where necessary and in accordance with applicable permissions and laws.
We use collected information to:
• Create and manage user accounts
• Authenticate users
• Process loan applications
• Verify customer identity
• Conduct field verification
• Process loan disbursements
• Record repayments
• Assess creditworthiness
• Provide customer support
• Detect and prevent fraud
• Improve our products and services
• Maintain security of the Platform
• Comply with legal and regulatory obligations
The Platform supports secure synchronisation of business data between client applications and authorised backend systems.
Some applications may temporarily store data locally to support offline functionality. Such information is securely synchronised with our servers once connectivity is restored.
We implement appropriate safeguards to protect data stored both locally and on our servers.
Depending on the device and platform you use, the Platform may request access to features such as:
• Camera (for capturing customer photographs and supporting documents)
• Location Services (for authorised field operations)
• File or Media Storage (for uploading or storing documents)
• Notifications (to receive important updates and alerts)
These permissions are requested only when required to provide specific functionality.
We do not sell, rent, or trade your personal information.
Information may be shared only when necessary, with:
• Authorized employees
• Affiliated organizations
• Financial institutions
• Credit assessment agencies
• Regulatory authorities
• Government agencies where legally required
• Trusted technology and infrastructure service providers
All third parties receiving personal information are expected to maintain appropriate confidentiality and security standards.
The Platform may integrate with trusted third-party services to support functionality such as:
• Authentication
• Notifications
• Analytics
• Performance monitoring
• Mapping and location services
• Cloud hosting
Use of these services is governed by the privacy policies of their respective providers.
Protecting your information is one of our highest priorities.
We implement appropriate administrative, technical, and organizational safeguards, including:
• Secure authentication
• Encrypted communications (HTTPS/TLS)
• Role-based access control
• Data encryption where applicable
• Audit logging
• Secure infrastructure
• Continuous monitoring and security updates
While we strive to use commercially acceptable means to protect your information, no electronic system can guarantee absolute security.
We retain personal information only for as long as necessary to:
• Deliver our services
• Fulfil contractual obligations
• Meet legal and regulatory requirements
• Resolve disputes
• Enforce agreements
Subject to applicable laws and regulations, you may have the right to:
• Access your personal information
• Request correction of inaccurate information
• Request deletion of personal information where legally permissible
• Withdraw consent where applicable
• Request information about how your data is processed
Some requests may be limited where retention is required by law or regulatory obligations.
The Platform is intended for authorized users and eligible customers.
We do not knowingly collect personal information from children unless permitted by applicable laws and required for legitimate business purposes.
Where necessary, your information may be processed or stored in jurisdictions different from your own. In such cases, appropriate safeguards will be implemented to protect your information in accordance with applicable data protection laws.
We may update this Privacy Policy from time to time to reflect changes in our services, legal requirements, or security practices.
The latest version will always be available through the Platform, and the “Last Updated” date will indicate when changes were made.
Continued use of the Platform after changes become effective constitutes acceptance of the revised Privacy Policy.
If you have any questions regarding this Privacy Policy or the handling of your personal information, please contact us:
Email: support.it@idev4.com
Loanly is committed to handling personal information responsibly and strives to comply with applicable data protection, privacy, and financial services regulations in the jurisdictions in which it operates. We continuously review and enhance our security and privacy practices to safeguard the confidentiality, integrity, and availability of the information entrusted to us.