Privacy Policy

This Privacy Policy explains how we collect, use, and disclose your personal information when you use our app:

  • We collect and generate various data points about you.

  • Data by which you are identified is termed as “Personal Data”. Personal Data does not mean information that is freely available or accessible in public domain.

  • Your Privacy is of utmost importance to us and protection of your Personal Data is a key commitment for us.

  • We are governed by the provisions of applicable law in Dominica including the Companies Act 1994, Money Services Business Act 2010, Money Laundering (Prevention) Act 2011 and other pertinent legislations as well as international best practices regarding security practices and procedures and the management of sensitive personal data or information to maintain the privacy of your Personal Data.

Personal Data

Personal Data we may collect from you are as under:

  • Personal details (e.g. name, contact details including, residential address, date of birth, documents such as identity card / passport details / Social Security details / driving license provided by you as well as contact information of your device’s address book, including names and phone numbers only for our Know Your Customer (KYC) mandate as mandated by law in order to allow you to enjoy various products/services offered by us.

  • We collect information about your device information, such as its operating system, IMEI, Device ID, Device Model, Device Brand etc. for quality assurance purposes.

  • Your details including transaction history, balances, payment details, for effecting transfer of monies through various payment channels provided by us.

  • Financial details (e.g. income, expenses, and/or credit history) needed as part of request for some of our products/services;

  • Images of documents/ photos required to avail any of our products/services.

  • Proof of Address required to upgrade wallet and validate KYC required under applicable law including Prevention of Money Laundering;

  • Opinions provided by you to us by way of feedback or responses to surveys;

Sharing of your Personal Data

  • We do not share your personal information with third parties

  • In various processes / submission of applications / availment of other unsubscribed platform product/service offerings, we seek your explicit consent.

Usage of Your Personal Data

How We Use Your Information: We use the information we collect from you to provide and improve our services, including to:

  • Upload your contact information to our server located at https://kong.mlajan.com for the purpose of storing and processing your data.

  • Provide you with personalized content and recommendations.

  • to facilitate the transactions or report on these transactions;

  • to check and process your requirements submitted to us for products/services and/or instructions or requests received from you in respect of these products/services;

  • to share with you, updates on changes to the products/services and their terms and conditions;

  • to take up or investigate any complaints/claims/disputes;

  • to respond to your queries or feedback submitted by you;

  • to verify your identity for us to provide products/services to you;

  • to carry out checks, screenings or due diligence checks as lawfully required by us;

  • to undertake financial/regulatory/management reporting, and create and maintain various risk management models;

  • for conducting audits and for record keeping purposes;

  • for selective offers and promotions.

Purging of your Personal Data

  • You may delete your MLajan account at any point of time by making such choice in the, mobile application. However, we retain your Personal Data as long as the purpose for its usage exists, after which the same is disposed off by us except for any record retention required as per applicable law.

  • The provisions of various laws require your transaction logs to be stored for longer periods post the deletion of an account. Further, in the event of the pendency of any legal/regulatory proceeding or receipt of any legal and/or regulatory direction to that effect, we may be required by the law of the land to retain your Personal Data for longer periods.

Cookie Policy

  • Please note that a “cookie” is a small piece of information stored by a web server on a web browser so it can be later read back from that browser.

  • We may use cookie and tracking technology depending on the features offered.

  • No Personal Data will be collected via cookies and other tracking technology; however, if you previously provided Personal Data, cookies may be tied to such information.

  • Links to other websites

  • Our website may contain links to other websites which are not maintained by us. This privacy policy only applies to us. You are requested to read the other websites’ privacy policies when visiting these websites.

Security Practices and Procedures

  • We take reasonable measures to protect your personal information from unauthorized access or disclosure steps and measures to protect the security of your Personal Data from misuse, loss, unauthorised access, modification or disclosure.

  • We use latest secure server layers encryption and access control on our systems. Our safety and security processes are audited by a third party cyber security audit agency from time to time.

  • We have provided multiple levels of security to safeguard your app by Login/Logout option and AppLock feature that can be enabled by you. We also ensure the device binding so that the same login cannot be used on different device without any additional authentication/OTP. Please do not share your MLajan login, password and OTP details with anybody.

Your Choices

  • You can choose to limit the information we collect from you by allow/disallow from app permission or by not using our app.

Changes to Our Policy

  • We may modify this Privacy Policy at any time, so please review it periodically. If we make significant changes to this Privacy Policy, we will notify you by posting a notice on our website or by other means.

  • This policy will be reviewed by us as and when required and the same may change at any time. The latest & most updated policy can always be found at https://mlajan.com/about-us/our-policies/

  • While we will make reasonable efforts to keep you posted on any updates to this privacy policy, to make sure that you are aware of any changes, we recommend that you review this policy periodically.

  • This Privacy Policy shall apply uniformly to MLajan’s desktop website, & mobile applications

  • In this policy, the words “we”, “ours” and/or “us” refer to Financial Technology Services Ltd. and “you” and/or “your” refer to our customers.

Contact us

  • Contact Us If you have any questions or concerns about our Privacy Policy at MLajan Financial Technology Services Ltd. 40 King George V St., Roseau, Dominica or via email to admin@mlajan.com