Privacy Policy

We want you to understand what personal data ("Information") is collected through a website operated by EDCAP Investment Holdings LTD and how it may be disclosed later.

You can visit our websites and learn about the products and services of EDCAP Investment Holdings LTD and use value-added services that may be available without providing us any information about yourself. If you need to register on a website to use one of its features or are interested in being contacted by EDCAP Investment Holdings LTD regarding its products and/or services, you may enter information about yourself on the website. Where available, you can update your contact information online. Otherwise, you must contact EDCAP Investment Holdings LTD at the email address provided to do so. All information you provide to us will be treated in accordance with the "Privacy Commitment of EDCAP Investment Holdings LTD to Consumers."

Non-customers receiving advertising email messages about products and services of EDCAP Investment Holdings LTD may choose not to receive further messages ("opt-out"). If you choose not to receive these email messages anymore, we will only retain your email address for the purpose of considering your request.

To provide better service, we may use "cookies" that are set by us or by another company for us. A cookie is a small piece of information that a website stores on your web browser and that can later only be retrieved and read by the same site. We use cookies for administrative purposes and to enhance your online experience. For example, we may use cookies to track the number of visitors to our website or to present changing information to you on our website. You can set your web browser to notify you when cookies are set or to prevent cookies from being set.

EDCAP Investment Holdings LTD collects information about customers through applications received and from other sources. If you are a customer, our privacy policy provided to you at account opening contains further details about what information we collect and how it may be disclosed.

If you wish to review information about online applications, you may contact us to request a copy of the personal account information you provided through our customer service numbers. A fee may apply for certain requested information. Customers may also be able to review and change contact information such as address, phone number, and email information by logging in and updating their personal profile. To protect your privacy, proof of identity or other authentication is required each time you contact us.

The information we collect about you comes from the following sources:

Information we receive from you on applications or other forms, such as your name, address, and phone number.

Information about your transactions with us, our affiliates, or non-affiliated third parties, such as your account balances, payment history, and account activity.

Information we receive from a consumer reporting agency, such as your credit reports and other information relating to your creditworthiness, as well as information we receive about you from other sources, such as your employer and other third parties.

EDCAP Investment Holdings LTD may share information with various types of entities, including other affiliated companies as well as non-affiliated third parties, as described below.

Our affiliated companies are the corporate group owned by the shareholders of EDCAP Investment Holdings LTD. Affiliated companies to which we may disclose personal information about you operate in various business areas, including banking, credit cards, consumer finance, insurance, and securities.

Non-affiliated third parties are those that are not part of the corporate group owned by the shareholders of EDCAP Investment Holdings LTD. We may disclose personal information about you to the following types of non-affiliated third parties: (1) Financial service providers, such as companies engaged in banking, credit cards, consumer finance, securities, and insurance businesses. (2) Non-financial companies, such as companies engaged in direct marketing and the sale of consumer products and services.

From time to time, we may change this Internet Privacy Policy. The effective date of this policy, as indicated below, indicates the last time this policy was revised or materially changed. By checking the effective date, you can determine whether changes have been made to the policy since the last time it was reviewed.

Effective Date: This policy was last revised in April 2024.