Privacy Policy
Last updated: February 2026
1. Introduction
Infinity Microfinance ("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 digital lending platform.
2. Information We Collect
2.1 Information You Provide
- Identity information: Name, date of birth, national ID number
- Contact information: Phone number, email address, physical address
- Financial information: Income details, bank account information
- Employment information: Employer name, occupation, work address
2.2 Information We Collect Automatically
- Device information: Device type, operating system, unique device identifiers
- Usage data: App usage patterns, features accessed, time spent
- Location data: With your consent, approximate location for fraud prevention
2.3 Information from Third Parties
- Credit bureau reports (where available)
- Mobile money transaction history (with your consent)
- Government databases for identity verification
3. How We Use Your Information
We use your personal information for:
- Loan processing: Assessing creditworthiness and processing applications
- Account management: Managing your account and providing customer support
- Fraud prevention: Detecting and preventing fraudulent activities
- Regulatory compliance: Meeting legal and regulatory requirements
- Service improvement: Analyzing usage to improve our services
- Communications: Sending important updates about your account
4. Data Sharing
We may share your information with:
- Payment providers: To process loan disbursements and repayments
- Credit bureaus: To report loan performance and check credit history
- Regulators: To comply with legal and regulatory requirements
- Service providers: Third parties who help us operate our platform
We never sell your personal data to third parties for marketing purposes.
5. Data Security
We implement industry-standard security measures including:
- Encryption of data in transit (TLS 1.2+) and at rest (AES-256)
- Regular security assessments and penetration testing
- Access controls and employee training
- Secure data centers with physical security controls
6. Data Retention
We retain your personal data for as long as necessary to provide our services and comply with legal obligations. Loan-related data is typically retained for a minimum of 7 years after account closure for regulatory compliance.
7. Your Rights
Depending on your jurisdiction, you may have the right to:
- Access: Request a copy of your personal data
- Correction: Request correction of inaccurate data
- Deletion: Request deletion of your data (subject to legal requirements)
- Portability: Request transfer of your data to another provider
- Withdrawal of consent: Withdraw consent for optional data processing
8. Cookies and Tracking
Our website uses cookies and similar technologies to enhance your experience. You can manage cookie preferences through your browser settings.
9. Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.
10. International Transfers
Your data may be processed in countries outside your country of residence. We ensure appropriate safeguards are in place for any international data transfers.
11. Changes to This Policy
We may update this Privacy Policy from time to time. Material changes will be communicated via email or in-app notification.
12. Contact Us
For privacy-related inquiries:
- Email: privacy@infinity.et
- Phone: +251 11 123 4567
- Data Protection Officer: dpo@infinity.et