Effective Date: June 29, 2025
At Wiser (“we,” “our,” “us”), your privacy and the security of your personal information are very important to us. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our website and use our services, particularly in relation to international personal and business loan brokerage.
1. Information We Collect
We collect various types of information to facilitate and improve our services, including:
a. Information You Provide Directly
- Name, address, phone number, email
- Identification and documentation submitted through loan applications
- Financial, employment, and business-related data
- Communications and inquiries
b. Information Automatically Collected
- IP address, browser type, device information
- Usage data such as page views and access times
- Cookies and similar tracking technologies
c. Third-Party Sources
We may receive additional information from third-party sources to verify identity, process applications, or comply with regulations.
2. How We Use Your Information
We use your personal information to:
- Evaluate and process loan applications
- Facilitate pre-approvals and credit checks (where permitted)
- Communicate with you about your account or inquiries
- Prevent fraud and ensure compliance with local and international regulations
- Improve our services, website performance, and user experience
- Conduct marketing, with your consent where required
3. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience, analyze usage, and tailor communications. You can control cookie preferences in your browser settings.
4. Sharing of Information
We may share your personal data in the following cases:
- With Service Providers who perform functions on our behalf, such as data hosting, email distribution, or application processing.
- With Affiliates and Partners to facilitate loan offerings, based on your application and jurisdiction.
- For Legal Reasons to comply with applicable laws, regulations, legal processes, or government requests.
- For Fraud Prevention and Security to protect our users, network, and business integrity.
We do not sell your personal information.
5. International Use & Country Limitations
Our services are intended for international use; however, certain countries may be excluded from eligibility based on regulatory, risk, or compliance concerns. Wiser reserves the right to decline applications from jurisdictions where brokerage activity is restricted, prohibited, or otherwise non-compliant with international banking and finance laws.
6. Data Security
We maintain physical, technical, and organizational safeguards designed to protect your information. These include secure servers, data encryption, access controls, regular monitoring, and staff training.
Despite our efforts, no system is entirely secure. We encourage users to take reasonable steps to protect their personal devices and access credentials.
7. Your Rights and Choices
Depending on your location and applicable laws, you may have the right to:
- Access, correct, or delete your personal information
- Restrict or object to the processing of your data
- Withdraw consent where processing is based on consent
- Opt out of receiving marketing communications
To exercise these rights, contact us at: privacy@wiserteck.com
8. Data Retention
We retain personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law, including for auditing, legal, or reporting obligations.
9. Children’s Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect data from children. If we learn that we have collected personal data from a minor, we will delete it promptly.
10. Changes to This Policy
We may update this Privacy Policy periodically. Changes will be posted on this page with an updated effective date. We encourage users to review this page regularly to stay informed of our practices.
11. Contact Us
If you have any questions about this Privacy Policy or our data practices, you may contact us at:
Wiser Tech, LLC.
Email: privacy@wiserteck.com
Website: www.wiserteck.com