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Privacy Policy

Effective Date : April 2025

Last Updated  : April 2025

Privacy Policy

Welcome to FINNECT, a mobile application & the core banking application developed and managed by People’s Credit Solutions (Pvt) Ltd. Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application & get restarted in our core banking system.

Information We Collect

  1. Personal Information
    When you register or interact with the FINNECT app, we may collect:
    • Full Name
    • NIC/Passport number
    • Contact information (email, phone number)
    • Financial details relevant to loan applications or repayments
    • GPS location (for field officer functionality)
    • Device details (for security and troubleshooting)
  2. Usage Data
    • Log data, such as IP address, device type, operating system, app version, and interaction logs
    • Crash reports and analytics

How We Use Your Information

We use the collected information for:

  • User identification and authentication
  • Processing loan-related services
  • Providing customer support
  • Improving app features and performance
  • Ensuring security and fraud prevention
  • Complying with legal and regulatory obligations

Sharing of Information

We do not sell your personal information. However, we may share your data:

  • With authorized employees or agents for operational purposes
  • With regulatory or law enforcement authorities as required by law
  • With third-party service providers (e.g., analytics or SMS gateway services), under strict confidentiality agreements

Data Security

We implement strong technical and organizational measures to protect your personal information. This includes:

  • Encryption of sensitive data
  • Secure data transmission via HTTPS
  • Controlled access to systems and data
  • Regular security audits and vulnerability assessments

Data Retention

Your personal data will be retained only for as long as necessary to fulfill the purposes outlined in this policy, or as required by applicable laws and regulations.

User Rights

You have the right to:

  • Access your personal data
  • Request corrections
  • Request deletion (subject to legal obligations)
  • Withdraw consent at any time

Please contact us using the details below for any data-related requests.

Cookies and Tracking Technologies

Our app may use local storage and analytics tools to enhance user experience. We do not use invasive or advertising trackers.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page, and your continued use of the app constitutes acceptance of the revised terms.

Contact us

If you have any questions or concerns about this Privacy Policy, please contact:

People’s Credit Solutions PVT ltd,
5th Floor,
340, Basil’s Building,
Galle Road, Colombo 03.

PCS logo

To provide reliable financial services that help our clients manage, grow, and protect their wealth.

Contact Us

Address :

5th floor,

340, Basil’s building, 

Galle road, Colombo 03

Telephone :

+94 11 484 0000

Email :

info@peoplescreditsolutions.com

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