Privacy Policy

1. Introduction

United Finance Limited (“we”, “us”, or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our website, mobile applications, and financial services.

2. Information We Collect

We may collect the following types of personal information:

• Full name, date of birth, and gender
• Contact details including phone number, email, and postal address
• National identification or passport details
• Employment and income information
• Bank account and financial details
• Loan application and repayment history
• Device and browser information collected automatically

3. How We Use Your Information

We use your personal information to:

• Process and assess your loan applications
• Manage your account and provide customer support
• Verify your identity and conduct credit assessments
• Comply with legal and regulatory obligations
• Send you important notices about your account and services
• Improve our products, services, and website experience
• Prevent fraud and ensure security of our systems

4. Data Sharing and Disclosure

We may share your information with:

• Relevant regulatory authorities as required by law
• Credit bureaus for the purpose of credit assessments
• Third-party service providers who assist us in operating our business (e.g. IT services, payment processors)
• Legal and professional advisors

We do not sell your personal information to third parties. All third-party service providers are bound by confidentiality obligations.

5. Cookies and Tracking

Our website uses cookies and similar technologies to enhance your browsing experience. Cookies are small text files stored on your device that help us:

• Remember your preferences and settings
• Understand how you use our website
• Maintain your session while logged in
• Analyse website traffic and performance

You can manage cookie preferences through your browser settings. Disabling cookies may affect the functionality of certain features on our website.

6. Data Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These measures include encryption, access controls, and regular security assessments. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, including to satisfy legal, regulatory, accounting, or reporting requirements. Loan records are retained in accordance with applicable PNG laws and regulations.

8. Your Rights

Subject to applicable law, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information where appropriate
• Withdraw consent for processing where consent was the basis

To exercise any of these rights, please contact us using the details below.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated “Last updated” date. We encourage you to review this policy periodically.

10. Contact Us

If you have any questions about this Privacy Policy or how we handle your personal information, please contact us: