Privacy Policy

1. Who Are We?

Lime Consumer Finance ("we", "us", "our") is a consumer finance company with a commercial register number 33806. We provide customers with financing services (the "Services") in accordance with the Consumer Finance Law no. 18 of 2020 and are the data controller responsible for your personal data when you use our Services through our website and/or application (the "Platform"). We are committed to respecting your privacy and protecting your personal data. This Privacy Policy (the "Policy") outlines how we collect, use, and protect your personal data when you use our Services through the Platform. By using our Services through the Platform, you agree to the collection, use, processing, storage and transfer of your personal data in accordance with this Policy. We will not process your personal data except for the purposes for which it has been collected or where we are permitted to do so by law.

2. What Does This Policy Cover?

• Sets out the types of data we collect about you;
• Explains why we collect and use your personal data;
• Explains how long we keep your personal data;
• Explains how we will share your personal data - when, why, and with whom;
• Explains the rights you have when it comes to your personal data;
• Explains the security measures we apply to protect your personal data; and
• Explains how you can contact us.

3. What Data Do We Collect About You?

We collect the following types of personal data:

• Personal Data: Information related to you, or data that can be used for identifying you directly or indirectly by linking this data with any other data such as name, sound, photo, or identification number, or through online identifier, or any data that identifies psychological, health, economic, cultural or social identity.
• Sensitive Personal Data: Information that discloses your biometrics data, financial data.
• Usage Data: Information about how you use our Platform, including the time, frequency, and duration of your activities.
• Device Information: Information on the devices you use to access our Services, such as the model, operating system, hardware, and software versions, and IP address.
• Opinions and Feedback: Information you share about your experiences and satisfaction with our Services.

We also use cookies to collect personal data from your device to enhance the Services provided and ease your access to our Services.

For the purposes of the above provision, cookies mean the small text files that are placed on your device. They are widely used to help us to improve our Platform and deliver a better and more personalized service. They enable us to:

• Estimate our audience size and usage pattern;
• Store information about your preferences, allowing us to customize our Platform according to your individual interests;
• Speed up your searches; and
• Recognize you when you return to our Platform.

4. Why Do We Use Your Personal Data?

We use your personal data for the following purposes:

• To provide you with our Services;
• To send you information about our Services;
• To respond to your communications and requests;
• To provide and improve the Platform;
• To contact you regarding Services, surveys, research studies, promotions, and special events;
• To customize the content and Services we provide;
• To engage in analysis, research, and reports regarding the use of the Platform; and
• To comply with legal obligations and protect our legal rights.

5. How Long Do We Keep Your Personal Data?

We keep your personal data for no longer period than necessary for the purposes for which it is processed. The length of time for which we retain personal data depends on the purposes for which we collected and use it and/or as required to comply with applicable laws. If your personal data is retained for a period for any legitimate reason after the end of the purpose thereof, it shall not remain in a form that allows your identification. Once we no longer need to keep your personal data, we will take reasonable steps to erase it from our systems.

6. Who Do We Share Your Personal Data With?

We may share your personal data with the following:

• FAB Group Entities: We may share your personal data with entities within the FAB group to facilitate the provision of our Services and for internal administrative purposes.
• Financing Entities: We may share your personal data with other financing entities to provide you with financing options and related services.
• Business Partners: We may share your personal data with our business partners to offer you additional services and benefits.
• Third-Party Service Providers: We may work with third-party partners to provide the Services, and we might need to share some of your information with these partners (including but not limited to the Egyptian Credit Bureau "I-score").
• Government Authorities: We may share your personal data with government authorities in response to legal proceedings or as otherwise required by law.

By accepting this Policy you consent to the above sharing and disclosure of your personal data to the extent your consent is a requirement in order for the disclosure to lawfully take place under applicable laws and regulations.

7. Third-Party Links and Features

The Platform may contain links to third-party websites and features for payment purposes. If you choose to use these sites or features, you may disclose your personal data to those third parties. We are not responsible for the content or practices of those websites or services. The collection, use, and disclosure of your personal data will be subject to the privacy policies of the third-party websites or services.

8. Storage and International Transfers

By using our Platform, you consent to the storage of your information inside the Arab Republic of Egypt. We may subcontract the processing of your data to, or otherwise share your data with, service providers located outside the Arab Republic of Egypt in accordance with applicable laws and regulations. We will always fulfil any requirements in relation to the international transfers of personal data under applicable laws. For more information about these transfer mechanisms, please contact us using the contact details given below. By accepting this Policy you consent to the above transfer of your personal data under applicable laws and regulations.

9. Security of Your Personal Data

We take the confidentiality and security of your personal data seriously. We implement various measures to protect your information from unauthorized access, use, or disclosure in accordance with applicable laws and regulations.

10. Changes to This Policy

We review our privacy practices from time to time and may update this Policy. Any changes will be effective immediately upon posting on our Platform.

11. Your Rights

You have certain rights under applicable laws and regulations, including:

• The right to be informed about the collection and use of your personal data;
• The right to access your personal data;
• The right to request correction, completion, or updating of your personal data;
• The right to request the deletion of your personal data;
• The right to know of any data breach in relation to your personal data; and
• The right to withdraw your consent at any time.

To exercise your rights, please contact us at contact-us@lime.com.eg. We may ask you to provide suitable identification to verify your identity.

12. How Can You Contact Us?

If you have any questions or concerns about this Policy or our use of your personal data, please contact us at contact-us@lime.com.eg.