1. Introduction

At G-Spirit Loan Solution, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our loan, capital, and partnership services. By using our services, you agree to the practices described here.

2. Information We Collect

2.1 Personal Information

When you apply for a loan, request capital, or submit a partnership inquiry, we may collect:

• Identity information: full name, date of birth, nationality, and government-issued ID number (National ID, Passport, or Driver's License)
• Contact information: phone number, WhatsApp number, email address, and physical address
• Financial information: income details, occupation, bank account, mobile money account details, and business revenue or expense data
• Collateral and business information: details of assets offered as collateral, business plans, investment needs, registration records, and operational metrics
• Employment and partnership information: occupation, employer details, company profiles, role expectations, and related documents

2.2 Automatically Collected Information

When you visit our website, we also automatically collect:

• IP address and device information
• Browser type and version
• Pages visited and time spent on site
• Referring website addresses
• Cookies and similar technologies

3. How We Use Your Information

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

4.1 Service Providers

• Payment processors — for fund disbursement and payment collection
• Verification services — to confirm your identity, business records, and collateral
• Legal and accounting services — as needed for business operations and regulatory compliance
• Business or partnership review partners — where required to assess capital requests or collaborative opportunities

4.2 Legal Requirements

We may disclose your information where required by law or in response to valid requests from public authorities.

4.3 Business Transfers

If G-Spirit Loan Solution is ever involved in a merger, acquisition, or sale of assets, your information may be transferred to the new entity.

4.4 With Your Consent

We may share your information for other purposes if you've given us explicit consent to do so, including for agreed partnership arrangements or capital-related evaluations.

5. Data Security

We use a range of technical and organizational measures to protect your information, including:

• Encryption of data in transit and at rest
• Secure servers and firewalls
• Access controls and authentication
• Regular security assessments
• Staff training on data protection

While we work hard to protect your information, no method of transmission over the internet is completely secure, and we can't guarantee absolute security.

6. Data Retention

We keep your information for as long as necessary to provide our services, meet legal obligations, resolve disputes, and enforce our agreements. As a general rule, we retain loan, capital, and partnership application data for 5 years after a service ends, or 3 years after a rejected application, unless a longer period is required by law or contractual obligations.

7. Your Rights

Under Cameroonian data protection law, you have the right to:

• Access — request a copy of your personal information
• Rectification — correct inaccurate or incomplete information
• Erasure — request deletion of your information, subject to our legal obligations
• Restriction — limit how we use your information
• Objection — object to certain types of processing
• Portability — receive your information in a structured, transferable format

To exercise any of these rights, contact us at hi@gspiritloans.com or via WhatsApp at +237 620 569 864.

8. Cookies and Tracking

Our website uses cookies to remember your preferences, analyze site traffic, improve your experience, and serve relevant offers. You can control cookies through your browser settings, though disabling them may affect how the site functions.

9. Third-Party Links

Our website may link to third-party sites (such as Facebook). We aren't responsible for their privacy practices, and we encourage you to review their own policies.

10. Children's Privacy

Our services are intended for individuals 21 and older. We don't knowingly collect information from minors. If you believe a minor has provided us with information, please contact us so we can address it.

11. International Data Transfers

Your information may be processed in countries other than Cameroon. Where this happens, we take steps to ensure appropriate safeguards are in place.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Significant changes will be posted on our website with an updated "Last Updated" date. Continuing to use our services after such changes means you accept the updated policy.

13. Contact Information

Questions or concerns about this policy or our data practices can be directed to our Data Protection contact:

• Phone: +237 673 202 434
• WhatsApp: +237 620 569 864
• Email: support@gspiritloans.com
• Address: Douala, Cameroon

14. Complaints

If you believe your privacy rights have been violated, you're entitled to lodge a complaint with the relevant Cameroonian data protection authority. We'd appreciate the chance to resolve any concern directly first — please reach out to us before escalating.