Privacy Policy for Premium Trust Lend

Effective Date: January 12, 2026

At Premium Trust Lend ("we," "our," or "us"), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our loan services.

1. Information We Collect

We collect several types of information from and about users of our services:

1.1 Personal Information

• Full name and date of birth
• Contact information (email address, phone number, mailing address)
• Government-issued identification numbers (passport, driver's license, taxpayer ID)
• Employment information and income details
• Bank account information
• Social security number or equivalent

1.2 Financial Information

• Credit history and credit score
• Banking and financial statements
• Assets and liabilities
• Transaction history
• Payment history

1.3 Technical Information

• IP address and device information
• Browser type and version
• Operating system
• Cookies and similar tracking technologies
• Website usage data and analytics

2. How We Collect Information

We collect information through various methods:

• Directly from you when you fill out application forms
• Automatically through cookies and tracking technologies
• From third-party sources such as credit bureaus
• Through verification services and background checks
• From public records and databases

3. How We Use Your Information

We use the collected information for the following purposes:

3.1 Loan Processing

• Evaluating and processing your loan application
• Verifying your identity and eligibility
• Assessing creditworthiness
• Determining loan terms and conditions
• Managing and servicing your loan

3.2 Communication

• Sending you loan updates and payment reminders
• Responding to your inquiries and requests
• Providing customer support
• Sending promotional materials and offers (with your consent)

3.3 Legal and Compliance

• Complying with legal obligations and regulations
• Preventing fraud and unauthorized transactions
• Enforcing our terms and conditions
• Protecting our rights and property

3.4 Business Operations

• Improving our services and user experience
• Conducting market research and analytics
• Training staff and quality assurance
• Risk management and internal audits

4. Information Sharing and Disclosure

We may share your information with:

4.1 Service Providers

• Credit bureaus and reporting agencies
• Payment processors and banking institutions
• Identity verification services
• IT service providers and data storage companies
• Legal and professional advisors

4.2 Legal Requirements

• Law enforcement agencies when required by law
• Regulatory authorities and government agencies
• Courts and legal proceedings

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5. Data Security

We implement appropriate technical and organizational measures to protect your information:

• Encryption of sensitive data during transmission and storage
• Secure server infrastructure and firewalls
• Access controls and authentication protocols
• Regular security audits and vulnerability assessments
• Employee training on data protection

However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to:

• Fulfill the purposes outlined in this Privacy Policy
• Comply with legal, regulatory, and accounting requirements
• Resolve disputes and enforce agreements
• Maintain business records

Typically, we retain loan-related information for at least 7 years after the loan is closed or as required by law.

7. Your Rights

Depending on your jurisdiction, you may have the following rights:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your information (subject to legal obligations)
• Restriction: Request restriction of processing
• Portability: Request transfer of your data
• Objection: Object to certain processing activities
• Withdrawal of Consent: Withdraw consent for data processing

8. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and user behavior
• Personalize content and advertisements
• Improve website functionality

You can control cookies through your browser settings, but disabling cookies may affect website functionality.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware of such collection, we will take steps to delete the information.

11. International Data Transfers

If you are accessing our services from outside India or Indonesia, please note that your information may be transferred to and processed in these countries. We ensure appropriate safeguards are in place for such transfers.

12. Marketing Communications

With your consent, we may send you marketing communications about our products and services. You can opt out of these communications at any time by:

• Clicking the unsubscribe link in emails
• Contacting us directly
• Updating your communication preferences

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be effective immediately upon posting on our website. We encourage you to review this policy periodically. Your continued use of our services after changes constitutes acceptance of the updated policy.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Email: info@ptlend.com

Phone/WhatsApp: +91 96121 63267

Mumbai Office: Maharashtra Tower 2, Wing B, 7th Floor, Elphinstone Road, Mumbai, 400013, India

Jakarta Office: Menara BCA, Jl. MH Thamrin, Jakarta, Indonesia

15. Data Protection Officer

For data protection inquiries specific to India or Indonesia regulations, you may contact our Data Protection Officer at the addresses provided above.

16. Complaints

If you believe we have not handled your personal information properly, you have the right to lodge a complaint with the relevant data protection authority in your jurisdiction.

By using our services, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, use, and disclosure of your information as described herein.