Privacy Policy

Your privacy is important to Meromicrofinance Laghubitta Bittiya Sanstha Ltd. (Mero Microfinance). This Privacy Policy outlines what information we collect, how we use it, and your rights regarding your personal information when you use our website or services.

1. Information We Collect

We may collect the following types of information:

• Personal identification information (name, email address, phone number, address)
• Financial information required for loan applications and account management
• Usage data from our website (pages visited, browser type, IP address)
• Cookies and tracking technologies for improving user experience

2. How We Use Your Information

• To process loan applications and manage accounts
• To communicate about our services, interest rates, and offers
• To comply with Nepal Rastra Bank regulations and legal obligations
• To improve the functionality of our website and services
• To prevent fraud and ensure security

3. Information Sharing

We do not sell, trade, or transfer your personal information to third parties except:

• As required by Nepal Rastra Bank or other regulatory authorities
• To credit bureaus as required for loan processing
• To service providers bound by confidentiality agreements
• With your explicit written consent

4. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our EMPOWER core banking system maintains enterprise-grade security standards.

5. Cookies

Our website uses cookies to enhance your browsing experience. You may choose to disable cookies through your browser settings; however, this may affect the functionality of certain features on our website.

6. Your Rights

You 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 obligations)
• Opt out of marketing communications

7. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of our services after changes constitutes acceptance of the updated policy.

8. Contact Us

If you have questions about this Privacy Policy or how we handle your information, please contact us:

Mero Microfinance Laghubitta Bittiya Sanstha Ltd.
Battar, Nuwakot
Tel: +977 015315936 / 5315937
Email: info@meromicrofinance.com

Effective Date: January 1, 2024