Privacy Policy

Privacy Policy

Effective Date: 2025-05-17

Last Updated: 2025-05-17

Company: Uthali Company Limited

Jurisdiction: Republic of Zambia

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1. Purpose of This Policy

This Privacy Policy explains how Uthali Company Limited collects, uses, stores, and protects your personal information in accordance with the Data Protection Act No. 3 of 2021 of Zambia. By using our services, you agree to the terms outlined here.

2. Lawful Basis for Processing

- Consent – when you voluntarily submit your information.
- Contractual necessity – to provide loan services as agreed.
- Legal obligation – for regulatory reporting and compliance.
- Legitimate interest – to prevent fraud, manage risk, and improve our services.

3. Information We Collect

We may collect the following categories of personal data:

• Identification Data : Full name, NRC number

• Contact Information: Phone number, email address, postal address
• Employment Details: Employer, job title, employee number
• Financial Data: Net salary, bank/mobile wallet info
• Loan History: Application records, repayment performance
• Communication Records: Messages, calls, complaints, inquiries

4. How We Use Your Data

- Evaluate loan eligibility and affordability
- Process disbursement and payroll deductions
- Fulfill legal reporting requirements (e.g. to regulators)
- Communicate with you about your loan status or repayments
- Conduct internal audits, risk analysis, or fraud detection

We do not use your data for unsolicited marketing without your explicit consent.

5. Data Retention

- Fulfill the purpose for which it was collected
- Comply with financial, legal, and regulatory obligations
- Resolve disputes and enforce agreements

Typically, we retain financial records for up to 7 years as required by law.

6. Data Sharing & Disclosure

We only share your data with third parties when necessary and lawful:

Who We May Share With   ->  Purpose

• Payroll departments (GRZ or others) -> Salary deductions for repayment

• Regulatory authorities (e.g. BOZ) -> Legal compliance

• Credit Reference Bureaus (if used) -> Reporting and assessing creditworthiness

• IT/Payment service providers -> Secure operations and data storage

All third-party service providers are bound by confidentiality agreements and data protection obligations.

7. Your Rights Under the Law

- Access your personal information
- Request correction or updating of your data
- Object to or restrict certain types of processing
- Withdraw your consent at any time (if processing is based on consent)
- Request deletion of your data (where lawful and possible)
- Lodge a complaint with the Data Protection Commissioner if you believe your rights have been violated

To exercise these rights, contact: [email protected]

8. Security of Your Information

- Encrypted systems for storing sensitive information
- Access control for employees
- Regular system audits and security checks
- Backups to prevent data loss

9. Cross-Border Data Transfers

We do not transfer your personal data outside Zambia unless:
- It is necessary for a lawful and contractual purpose
- Adequate safeguards are in place in accordance with Zambian data protection laws

10. Cookies & Website Usage

Our website may use cookies to enhance browsing experience and track website usage. You may disable cookies in your browser settings.

11. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Any changes will be posted on this page with a revised effective date.

12. Contact Us

If you have any questions, concerns, or wish to exercise your data rights, contact us:

Uthali Company Limited
PLOT 9346, OFF ALICK NKATA ROAD, LONG ACRES, LUSAKA, ZAMBIA
Email: [email protected]
Phone: +260 763999919

By using our services or applying for a loan, you confirm that you have read, understood, and agreed to the terms of this Privacy Policy.