Updated: October 6th 2023

By using the website at www.eduloanzm.com (the “Website”) and/or any services that may be made available through the Website, including the EduLoan platform (collectively, the “Services”) thereby providing personal data, you consent to Yara Technologies (Pvt) Limited or Meus Technologies Limited (“we”, “our” or “us”) collecting, using, storing and disclosing your personal data in accordance with this Privacy Policy.

The Privacy Policy relates to the collection and use of personal data you may supply to us through your use of the Website and Services and governs the manner in which your data, obtained through the Website and the Services, will be dealt with.

This Privacy Policy is in addition to any other terms and conditions applicable to the Website and the Services.

We are the controller of your personal data provided to, or collected by or for, or processed in connection with the Website and the Services.

Please note that our Website and the Services may contain links to products and websites that are owned and operated by third parties, in particular links may be provided to the financial institutions we partner with to facilitate your access to educational loans. These third party websites will have their own privacy policies which you should review if you choose to visit these websites. We are not responsible for the privacy practices of third parties. We do not make any representations about third party websites and applications that may be linked to the Website and the Services.

How do we collect personal information?

We may obtain personal information about you through your use of the Website. This includes information that you provide to us when you complete a form within the Website and information on your use of the Website and our Services through the use of cookies or other tracking technologies as detailed below.

What information do we collect and how do we use it?

By completing forms on our Website, such as applying for a loan, we will receive various personal data such as your name, identification document numbers, contact details and general information related to your income. In addition, you will be providing us with certain information relating to any minors/children to whom any education loan pertains such as admission number, school and grade. By providing such information to us you consent to both our use of the information, to our sharing the information with our partner financial institutions and use by our partner financial information of that information for the purposes for which it has been supplied by you. The information will be used to fulfil the Services requested and communicate with you when necessary.

To provide you with the Services we work with carefully selected partners. We may share the information you supply with our partners, where necessary. We work closely with our partners to ensure that we only share information with them and they only share information with us that is required to provide you with the services.

We may collect your IP address and use cookies and similar technologies (e.g. web beacons, pixels, ad tags and device identifiers) to enhance your experience and improve our Services.

A cookie is a small file placed onto your device that enables us to supply features and functionality for our Website. Cookies can be used to recognize you when you visit our Website, remember your preferences, and give you a personalized experience that’s in line with your settings. Cookies also make your interactions with our Website faster and more secure. Additionally, cookies allow us to bring you advertising both on and off our Website.

Most browsers allow you to control cookies through their settings preferences. However, if you limit the ability of websites and applications to set cookies, you may worsen your overall user experience, since it will no longer be personalized to you. It may also stop you from saving customized settings like login information. If you do not want to receive cookies, you can change your settings on the device you are using to access our Website. If you use our Website without changing your settings, we will assume that you are happy to receive all cookies on our Website. Please note that our Website may not work properly without cookies.

To understand how our Website is used and performing we may use analytics services to provide us with statistical information.

How do we use your personal information?

We use your personal information in a number of ways:

To enable you to access and use our Services

To communicate with you

To allow one of our partners to contact you to discuss your needs

Who do we share information with?

We only share information with our partners, such as our local representatives and partner financial institutions, where required to be able to provide the Services you have requested to you or where we are required to do so by law.

What is our basis for processing personal information?

We rely on the lawful basis of performance of a contract and on our legitimate business interests. Legitimate interest means our interest in conducting and managing our business to enable us to give you the best service and the best and most secure experience.

We have balanced our legitimate interests with those of our users. If you would like further information or to object to us using your data for such purposes, please contact [email protected]

In specific circumstances we rely on the lawful basis of consent (i.e. where you actively agree to a specific use of your personal data) and legal obligation (i.e. where we are legally obliged to hold your personal data or disclose it by law).

How do we secure your data?

We follow generally accepted industry standards to protect the personal data submitted to us, both during transmission and once we receive it. When you give your personal data to us, we will process that data in accordance with our responsibilities.

To prevent unauthorised access, to maintain data accuracy and to ensure the correct usage of information, we monitor and adjust our physical, electronic and managerial procedures to safeguard and secure your personal data while in our care.

However, no data transmission over the internet can be guaranteed to be totally secure. We do our best to keep the information you disclose to us secure and have appropriate processes in place. However, by using the Website you accept the inherent risks of providing information online and will not hold us responsible for any breach of security.

Data Retention

We will keep personal data only for as long as we need it to maintain our relationship, provide you with the Service or information you have requested, to inform our research into the preferences of our users, to comply with the law, and to ensure we do not communicate with individuals that have asked us not to. When we no longer need the information, we will dispose of it securely.

Your Rights

If you want to review, verify, correct or request erasure of your personal data or object to the processing of your personal data please contact us via email at [email protected]

Changes to this Policy

We may update this Privacy Policy from time to time to reflect changes in the regulation or the way in which we provide certain services. This page will always show the date on which the policy was last updated. You are responsible for ensuring you are update to date on the terms of this policy.

Further Information

If you have any questions or complaints regarding this Privacy Policy please email [email protected] or write to us at 130/ 19A, Kurulu Beddha, Nugegoda, Sri Lanka.