Privacy Policy

Effective Date: 18 Sept. 2026

Loaniva respects your privacy and is committed to protecting the personal information provided by applicants, borrowers and website visitors.

1. Information We Collect

Depending on the services you use, Loaniva may collect:

• Full name;

• Date of birth;

• Telephone number;

• Email address;

• Residential address;

• National identification information;

• Passport information;

• Employment information;

• Income information;

• Bank statements;

• Payslips;

• Business information;

• Financing application information; and

• Other information required to process an application.

2. How We Use Your Information

We may use your information to:

• Process financing applications;

• Verify your identity;

• Assess eligibility;

• Assess affordability;

• Prevent fraud;

• Manage financing accounts;

• Process repayments;

• Communicate with you;

• Provide customer support;

• Meet legal and regulatory obligations; and

• Improve our services.

3. Sharing Information

Where necessary and permitted by applicable law, Loaniva may share information with:

• Financial institutions;

• Payment providers;

• Identity-verification providers;

• Technology providers;

• Professional advisers;

• Regulators;

• Law-enforcement authorities; and

• Other authorized service providers.

4. Protection of Information

Loaniva takes reasonable measures to protect personal information against unauthorized access, misuse, loss or disclosure.

However, no electronic transmission or storage system can be guaranteed to be completely secure.

5. Retention

Loaniva may retain personal information for as long as necessary to provide services, comply with legal and regulatory requirements, resolve disputes, prevent fraud and maintain appropriate business records.

6. International Processing

Because Loaniva's investors and funding partners may be located in the United States while Loaniva provides financing in other countries, personal information may, where legally permitted, be processed or accessed across borders.

Loaniva will apply appropriate safeguards required by applicable law.

7. Your Rights

Depending on your country, you may have rights concerning your personal information, including rights to request access, correction or deletion where applicable.

8. Cookies

The Loaniva website may use cookies and similar technologies to improve website functionality, security and user experience.

9. Changes

Loaniva may update this Privacy Policy from time to time.

The latest version will be published on this website.

10. Contact Us

For privacy-related questions:

Loaniva

10 Kwacha Building

Mbala, Northern Province

10100

Zambia

Email:loanivaonline@gmail.com

WhatsApp: +260 764 767 849