Privacy Policy

FinTrust (“we”, “our”, or “us”) is committed to protecting your privacy. This Privacy Policy explains how FinTrust – Finance Management System for Lending Businesses collects, uses, stores, and protects information when you or your end users use our software.

1. Information We Collect

When FinTrust is installed and operated by a lending business, the following types of data may be collected and processed:

a. Business & User Data

• Admin and staff details: name, email, phone, role, login credentials
• Branch and employee records entered by the business

b. Customer & Loan Data

• Borrower personal information: full name, DOB, gender, address, phone, email, government ID numbers
• KYC documents: NID, passport, driving license, photos, signatures
• Financial data: income, bank details, loan amount, repayment history, credit score, guarantor info
• Transaction logs and payment records

c. Technical Data

• IP address, browser type, device info, access logs
• Cookies for session management and security

2. How We Use Information

The data collected is used solely for operating lending business functions within FinTrust, including:

• Processing loan applications and approvals
• Managing repayments, dues, and overdue tracking
• Generating financial reports and analytics
• KYC/AML verification and fraud prevention
• System security, auditing, and improving performance
• Communicating with borrowers and staff via email/SMS notifications

We do not sell, rent, or trade personal data to third parties for marketing purposes.

3. Data Storage & Security

• All data is stored on the server where you install FinTrust. As the license holder, you are the data controller.
• We use industry-standard measures: encrypted passwords, SSL support, role-based access control, and activity logs.
• Regular backups are recommended to prevent data loss.

4. Data Sharing & Third Parties

FinTrust may integrate with third-party services at the admin’s discretion, such as:

• Payment gateways: Stripe, PayPal, Razorpay, etc.
• SMS/Email gateways: Twilio, Nexmo, SMTP services
• Cloud storage for backups

These services have their own privacy policies. We are not responsible for third-party data handling once data is shared via your configured integrations.

5. Cookies

FinTrust uses essential cookies to:

• Keep users logged in
• Maintain session security
• Remember preferences like language/theme

No tracking or advertising cookies are used by default.

6. User Rights

If you operate in regions under GDPR, CCPA, or similar laws, end users have rights to:

• Access, correct, or delete their personal data
• Request data export
• Withdraw consent for optional data processing

As the system admin, you are responsible for honoring these requests within FinTrust.

7. Data Retention

Loan, transaction, and KYC records are retained as long as required by your local financial regulations and accounting standards. You can configure data deletion policies from the admin panel.

8. Children’s Privacy

FinTrust is not intended for use by individuals under 18. We do not knowingly collect data from minors.

9. Changes to This Policy

We may update this Privacy Policy when new features are added. The “Last Updated” date will reflect changes. Continued use of FinTrust after updates means you accept the revised policy.

10. Contact Us

If you have questions about this Privacy Policy or data practices, contact the FinTrust administrator at:
Email: info@ruhanisoft.site