Privacy Policy

SnapPocket ("we", "our", or "us") respects your privacy. This Privacy Policy explains what personal information we collect, how we use it, and your rights in relation to it.

This policy applies to the SnapPocket website, mobile applications, and any related services. It should be read together with our Terms & Conditions.

We collect the following categories of information:

• Identity data: name, date of birth, nationality, ID documents, and photographs.
• Contact data: email address, phone number, and mailing address.
• Financial data: bank account details, income, employment, and credit-related information.
• KYC data: documents and answers provided during the loan application process.
• Technical data: IP address, browser type, device information, and usage data.
• Payment data: transaction references from Stripe and PayPal. We do not store full card numbers on our servers.

We use your information to:

• Verify your identity and comply with AML/KYC laws;
• Assess your eligibility for a loan and administer the loan;
• Process payments and repayments;
• Communicate with you about your account and the Services;
• Detect and prevent fraud, abuse, or security incidents;
• Comply with our legal and regulatory obligations.

Where required by law, we rely on the following legal bases to process your personal data:

• Performance of a contract — to provide the Services you have requested;
• Legal obligation — to comply with AML/KYC, tax, and other applicable laws;
• Legitimate interests — to prevent fraud and to improve the Services;
• Consent — where you have explicitly consented (for example, marketing communications).

We may share your information with:

• Payment processors (Stripe, PayPal) to complete transactions;
• Identity-verification and KYC providers (for example, Veriff);
• Regulators, law-enforcement, or other authorities where required by law;
• Service providers who support the operation of our platform (hosting, email delivery), under strict confidentiality obligations.

We do not sell your personal information.

Some of our service providers are located outside your country of residence. When we transfer your information internationally, we put in place appropriate safeguards, including standard contractual clauses approved by the relevant authorities.

We retain your personal information for as long as necessary to provide the Services and to comply with our legal obligations. Financial and KYC records are typically retained for at least six (6) years after the end of our relationship, as required by AML legislation.

We use industry-standard security measures, including encryption in transit (TLS) and at rest, to protect your information.

However, no method of transmission over the internet is completely secure. We cannot guarantee absolute security.

Depending on where you live, you may have the right to:

• Access the personal information we hold about you;
• Request correction of inaccurate information;
• Request deletion of your information (subject to legal retention requirements);
• Object to or restrict certain processing;
• Data portability;
• Withdraw consent at any time, where processing is based on consent.

To exercise any of these rights, contact us at privacy@snappocket.com.

We use cookies and similar technologies to keep you signed in, remember your preferences, and analyse how the Services are used. You can control cookies through your browser settings.

Our Services are not intended for persons under 18. We do not knowingly collect personal information from children.

We may update this Privacy Policy from time to time. Material changes will be posted on this page with an updated "Last updated" date and, where appropriate, notified to you by email.

For questions about this Privacy Policy, contact us at privacy@snappocket.com.