Goodloans Limited Company (referred to as “Goodloans Limited”, “Goodloans”, “we”) is a London-based technology company which operates in Africa. Our core mission is to provide financial products and services to the underserved and unbanked in Africa. To this end, we have built a smartphone application that allows you to apply for financial products and services. Goodloans Limited Company is a Private Limited Company registered in the UK, with company number 12482742. Our registered address is: Goodloans Limited, 147 Station Road, London, England, E4 6AG.
Under the GDPR (General Data Protection Regulation), Goodloans are known as a data “Controller” of the personal data you provide us. We are registered with the ICO (Information Commissioner’s Officer) in the UK registration reference: ZB024107 and also with Ghana DCP (Data Protection Commission) registration reference: 0003473.
We collect data on behalf of Partner Lenders, who review (incl. KYC checks) and process user loan applications (incl. disbursing and collecting loans and sharing relevant data with the regulator).
If you are not satisfied with how we process your data you can contact firstname.lastname@example.org, you can also raise a concern with the ICO (https://ico.org.uk/) with our company’s registration reference ZB024107. Please go to https://ico.org.uk/concerns/ for more information about raising a concern with the ICO.
We obtain personal data about you when you use our smart phone application, and we also collect web analytics and marketing data for our website using cookies, web beacons and similar technologies, some of which are provided by third parties as described below.
Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide data to the owners of websites. We use the following cookies:
These cookies are used to collect data about how visitors use our website. We use the data to compile reports and to help us improve the website, and for marketing, advertising and promotional purposes strictly related to Goodloans. The cookies collect data in an anonymous form, including the number of visitors to the website, where visitors have come to the website from and the pages they visited.
Small graphic images (also known as “pixel tags” or “clear GIFs”) that may be included on our sites, services, applications, messaging, and tools, that typically work in conjunction with cookies to identify our users and user behavior. We use the following web beacons: -* Facebook Pixel (cookie names: act, c_user, datar, dpr, fr, pl, presence, sb, wd and xs)
Most web browsers allow some control of cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.aboutcookies.org or www.allaboutcookies.org. To opt out of being tracked by Google Analytics across all websites visit http://tools.google.com/dlpage/gaoptout.
To provide Goodloans as a service, prevent fraud and meet our regulators requirements, we collect personal data (including sensitive personal data) from our users. We will only collect personal data required to provide you with the services you have requested. To help provide you with a clear view of the personal data we collect, we have divided the data into personal data and sensitive personal data:
We also collect data from third party organisations including credit reference bureaus and identification registries. We always take steps to ensure that third-party data providers are legally and contractually bound to disclose your personal information to us.
We process personal data in order to provide services requested by you. This includes:
Goodloans undertake analysis and profiling of your financial information in order to identify and inform you of financial products that we consider are likely to interest you or be suited to your financial circumstances or to enhance our services. You’ve the right not to be subject to a decision based solely on automated processing, including profiling. We understand that not everyone is comfortable with decisions being left entirely up to machines. If you have any questions about automated decision making, please contact us email@example.com
We will hold your personal data (including sensitive personal data) on our systems for as long as you are using our services. Once you stop using our services, we hold your personal data for five years in case you wish to restart our services. If you don’t resume using our services within that time period we will fully anonymise your personal data so that you are no longer identifiable. If you wish your personal data to be deleted or anonymised before this five year window please contact us.
We only provide internal data access to trained individuals within Goodloans, who have an understanding of GDPR and its implications. All personal data that you provide through the services is stored on Firebase (https://firebase.google.com/) and Google Cloud Platform (https://cloud.google.com/).
You have a number of rights under the personal data protection laws, namely:
If you do not provide the required personal data we will not be able to provide you with the services you have requested.