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Privacy Policy

Effective date: 1 June 2026

This Privacy Policy explains how Credit-Nest collects, uses, stores, and protects information when you use our multi-tenant loan management software. We are strictly committed to data security, privacy, and full compliance with the Uganda Data Protection and Privacy Act 2019.

On this page

1. Who We Are

Credit-Nest is a Software-as-a-Service (SaaS) loan management platform operated from Kampala, Uganda. References to “Credit-Nest”, “we”, “us”, or “our” in this policy refer to the Credit-Nest platform and its operators.

For all data privacy inquiries, contact our data protection team at privacy@credit-nest.stock-nest.com.

2. Information We Collect

We collect information necessary to provide and secure our loan management services:

  • Account & Organization Data: Name, work email, password hash, organization name, and billing details.
  • Customer & Loan Ledger Data: Data entered by you regarding your borrowers (names, contact numbers, NINs, collateral assets, loan schedules, and repayment transactions). You own this data; we process it solely on your behalf.
  • Audit & System Logs: IP address, browser type, timestamps of disbursements/approvals, and action event records for security compliance.

3. How We Use Your Information

We use collected data strictly to:

  • Operate, calculate, and maintain the loan amortization engine
  • Authenticate your team members and enforce role-based access control
  • Process monthly subscription billing and prevent fraudulent usage
  • Maintain immutable audit trails for your organization's loan disbursements

We never sell, monetize, or share your borrower lists or loan records with any third party.

4. Data Security & Tenant Isolation

Each organization's data is logically isolated in modern PostgreSQL infrastructure. All network traffic is encrypted via TLS 1.3, and database storage is protected with AES-256 encryption at rest. Daily cloud snapshots ensure continuous business continuity.

5. Your Data Ownership & Export Rights

You maintain full ownership of your data at all times. You can export complete loan books, borrower ledgers, and cash flow reports in CSV/Excel or PDF format at any time directly from the dashboard.

6. Contact & Governance

For any privacy inquiries or formal data requests under the Uganda Data Protection and Privacy Act 2019, please email privacy@credit-nest.stock-nest.com.