Privacy Policy

Last Updated: 30 November 2025

VT-Fi (“we”, “us”, “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and safeguard your personal information when you use our services or submit a loan application.

By accessing our website or applying for a loan, you agree to the practices described in this policy.

1. Information We Collect

We may collect the following information from you:

1.1 Personal Information

  • Full name

  • Date of birth

  • Residential address

  • Phone number

  • Email address

  • Social media profile link

  • Employment details (if requested later)

1.2 Identification

  • Primary ID (Passport, Driver’s License, TIN-FNPF card, Voter ID)

  • Uploaded documents related to identity verification

1.3 Financial & Loan Information

  • Loan amount requested

  • Supporting documentation (e.g. payslips, employment letters)

  • Banking details (if required for payout)

1.4 Technical Information

  • IP address

  • Device information

  • Website usage patterns
    (This is automatically collected to improve website performance.)

2. How We Use Your Information

Your information is used for the following purposes:

  • Assessing your loan application

  • Verifying your identity and eligibility

  • Communicating with you regarding your application

  • Processing loan disbursement and repayment

  • Detecting and preventing fraud

  • Maintaining records as required by law

  • Improving our services and website

3. Sharing Your Information

We may share your information with:

  • Internal staff involved in loan assessment

  • Financial institutions for payment processing

  • Verification partners (e.g. employment checks if required)

  • Law enforcement or regulatory authorities if legally required

We do not sell or rent your personal information to third parties.

4. Storage & Security

We take reasonable technical and administrative steps to protect your information from loss, misuse, or unauthorized access.
However, no online system is fully secure, and we cannot guarantee absolute protection.

5. Data Retention

We retain your information for as long as necessary to:

  • Process and maintain your loan account

  • Comply with legal, tax, and regulatory requirements

Once information is no longer required, it will be securely deleted.

6. Your Rights

You may request:

  • Access to the personal information we hold

  • Corrections to inaccurate details

  • Deletion of information (subject to legal obligations)

To make a request, contact us at:
[Insert Email] or [Insert Phone Number]

7. Updates to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated revision date.

8. Contact Us

If you have any questions about this policy, please contact:
VT-Fi Customer Support
Email: [Insert Email]
Phone: [Insert Phone Number]
Address: [Insert Address]