Privacy Policy
Last updated: July 11, 2026
1. Information We Collect
We may collect your phone number, personal profile details (name, ID number, date of birth, county), and transaction records for loan processing and compliance.
2. How We Use Your Information
Your data is used to verify your account, evaluate loan eligibility, process payments, and provide service updates (including SMS notifications).
3. OTP and Communication
We send OTP codes via SMS for account verification. By using Sera Loan, you agree to receive transactional messages related to your application status.
4. Payment Processing
Credit check fee payments are handled by Paystack. We store limited payment metadata (reference, status, amount, channel) for reconciliation and support.
5. Data Protection
We apply reasonable safeguards to protect your data. Access is restricted to authorized systems and personnel supporting the loan process.
6. Data Retention
We keep records only as long as needed for service delivery, legal obligations, audit, and security purposes.
7. Your Rights
You may request correction of inaccurate personal data and contact support for privacy-related concerns.
8. Contact
For privacy questions, contact: support@seraloan.app