PRIVACY POLICY

1. INTRODUCTION

We at OLP Financial Services Pakistan (“we”, “us”, “our”) respect the privacy of those who use our services and visit our website. This Privacy Policy describes how we collect, use, disclose and protect your personal data in accordance with applicable Pakistani laws and regulations.

2. WHO WE ARE

OLP Financial Services Pakistan Limited (“formerly ORIX Leasing Pakistan Limited”) was established in July 1986 as a joint venture between ORIX Corporation, Japan and local investors. The Company is listed on the Pakistan Stock Exchange.

OLP offers value-added financial products and innovative customized services to a wide array of customers throughout Pakistan. The blend of international experience and local expertise acquired over the last 39 years provides OLP a distinctive competitive edge. OLP takes pride in the fact that it has played a major role towards the economic development of the Country by supporting the Small and Medium Enterprises (SME) Sector and in doing so, has helped grow numerous small and medium businesses into larger enterprises and created thousands of jobs both directly and indirectly. Today, OLP is the largest SME focused Non-Banking Finance Company in Pakistan.

3. WHAT PERSONAL DATA WE COLLECT

Depending on your relationship with us (customer, prospective customer, website visitor), we may collect:

• Identity Data: name, CNIC, date of birth, country
• Contact Data: address, email address, telephone/mobile number.
• Usage Data: how you use our website/services, device identifiers, IP addresses, browser type, cookies, analytics.
• Other Data: any additional information you provide voluntarily or that we collect in the course of our services.

4. HOW AND WHY WE USE YOUR DATA

We process your personal data for the following purposes:

• To provide, administer and maintain our financial services (loans, financing, leasing, etc.).
• To verify your identity, perform KYC/AML checks, credit risk assessment and fraud prevention (in compliance with laws/regulators).
• To process payments and transactions, maintain transaction history, respond to inquiries or complaints.
• To improve our website, services and user experience (including analytics and usage tracking).
• To communicate with you about your account, service updates, promotional offers (with your consent where required).
• To comply with legal and regulatory obligations (e.g., reporting to regulators, law enforcement, tax authorities) and to protect our rights.

5. LEGAL BASIS FOR PROCESSING

We rely on one or more of the following legal grounds:

• Processing is necessary to perform our contract with you.
• Processing is necessary for compliance with a legal or regulatory obligation.
• Processing is necessary for our legitimate interests (such as fraud prevention, business improvement), provided your rights are not overridden.
• Where applicable, you have given your consent.

6. SHARING YOUR DATA

We do not share your personal data with any third party or contractor. However, in certain circumstances, we may share your data when necessary with:

• Our group companies, affiliates and service providers (e.g., IT services, analytics, payment processors) under confidentiality obligations.
• Credit bureaus, identity verification services and other regulatory entities in Pakistan.
• Law enforcement, regulators or other government authorities when required by law or in response to valid requests.

7. DATA RETENTION

We will retain your personal data only for as long as necessary to fulfil the purposes outlined above, unless a longer retention period is required or permitted by law.

8. COOKIES & TRACKING

Our website may use cookies to enhance user experience, analyze usage, and for marketing/advertising purposes. You can manage your cookie preferences via your browser settings; however, disabling cookies may affect functionality.

9. SECURITY

We implement appropriate technical and organizational measures to protect your personal data from unauthorized access, misuse, or loss. However, please note that no method of transmission or storage is 100% secure.