Privacy Policy

Last Updated: April 3, 2026

1. Introduction

This Privacy Policy applies to Pawnme ("Pawnme," "we," "us," or "our"). It explains how we collect, use, and protect your personal information when you use our website and collateral-based lending services (the "Service"). Pawnme provides short-term loans secured against personal assets ("Collateral"), including products such as Student Loans (30 Days).

By using our website and services, you agree to this Privacy Policy.

  • "Personal Information"data that identifies you
  • "Sensitive Personal Information"includes identification details, financial data, and collateral information

2. Information We Collect

We collect the following information when you apply for a loan or use our platform:

a) Personal Information

  • Full Name
  • Email Address
  • Phone Number
  • Address
  • Country
  • Passport Number

b) Loan Information

  • Loan Type (e.g., Student Loan – 30 Days)
  • Currency
  • Requested Loan Amount

c) Collateral Information

  • Item Type (e.g., phone, laptop, jewelry)
  • Brand/Model
  • Condition of the item
  • Uploaded images of the collateral

d) Technical Data

  • IP address
  • Device and browser type
  • Website usage activity

We may also collect additional information when you contact support or join a waitlist.

3. How We Use Your Information

  • Process and evaluate your loan application
  • Verify your identity (KYC compliance)
  • Assess the value and eligibility of your collateral
  • Approve or reject loan requests
  • Manage repayments and loan tracking
  • Communicate with you (updates, reminders, support)
  • Prevent fraud and ensure platform security
  • Improve our services and user experience

4. Sharing of Information

Pawnme does not sell your Personal Information.

a) Service Providers

  • Payment processors
  • Hosting and IT services
  • Customer support systems

b) Business Partners

If we cannot fulfill your loan request, we may share limited details (such as your name, contact, and requested amount) with trusted partners to assist you.

c) Legal Authorities

We may disclose information when required by law or to:

  • Prevent fraud
  • Enforce agreements
  • Protect users and the business

d) Business Transfers

If Pawnme is involved in a merger, investment, or acquisition, your information may be transferred.

5. User Access and Rights

You have the right to:

  • Access your personal data
  • Correct inaccurate information
  • Request deletion of your data
  • Withdraw consent

To make a request, contact us at: pawnmeloans@gmail.com. We will respond within a reasonable timeframe.

6. Data Retention

We retain your information:

  • While your account or loan is active
  • As required for legal and compliance purposes
  • To resolve disputes and enforce agreements

7. Opt-Out Policy

You may opt out of:

  • Marketing emails
  • Promotional messages
  • Calls or SMS communications

To opt out, contact us with your details. Note: You will still receive important loan-related communications.

8. Cookies and Tracking Technologies

We use cookies and tracking tools to:

  • Analyze website usage
  • Improve user experience
  • Enhance platform performance

You can disable cookies in your browser settings.

9. Security of Information

We take strong measures to protect your data:

  • SSL/TLS encryption
  • Secure servers
  • Restricted access to sensitive data

Your uploaded collateral images and personal information are securely stored. However, no system is completely secure.

10. Collateral Handling and Security

Pawnme ensures that:

  • All pledged items are securely handled and stored
  • Access to collateral is restricted
  • Items are returned upon full repayment

If a loan is not repaid, collateral may be sold in accordance with our loan agreement.

11. Third-Party Links

Our website may include links to third-party sites. We are not responsible for their privacy practices.

12. Public Content

If you submit testimonials or feedback, it may be displayed publicly. You may request removal at any time.

13. Changes to This Policy

We may update this Privacy Policy periodically. Changes will be posted on this page.

14. Contact Us

If you have any questions:

Location

Lefkosa, North Cyprus