How O Financy collects, uses, and protects your personal information
O FINANCE SAL (“O Finance”, “we”, “us”, “our”) is a Lebanese financial institution, licensed and regulated by the Banque du Liban (“BDL”). Any reference to “you” or “your” and other wording referring to you is a reference to you as data subject of O Finance. We are committed to protecting the privacy, confidentiality, and security of personal data entrusted to us.
This Data Protection & Privacy Policy (the “Policy”) explains how we collect, use, store, disclose, and protect personal data when you interact with our website, digital platforms, and communication channels (collectively, the “Services”).
By using our Services, you acknowledge that you have read, understood, and agreed to the practices described in this Policy and you consent to our collection, use and disclosure of your data in accordance with the terms of this Policy. You may withdraw such consent at any time; however, this will not affect the lawfulness of the processing based on your consent prior to the withdrawal.
This Policy (and any updated policy when applicable) can be found at www.ofinance.com.lb.
This Policy applies when you:
This Policy does not cover internal banking systems, core lending platforms, or offline operational systems used by O Finance, which remain subject to strict internal compliance, regulatory, and banking secrecy obligations.
For the purpose of this Policy, data means (i) any information relating to you as an identified or identifiable data subject; an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person; and (ii) any personal data which may reveal information about your racial or ethnic origin, political opinions, religious beliefs, trade union activities, physical or mental health, sexual life, genetic or biometric data, financial and payment information, SMS and call-related data, microphone, camera, and other sensitive device or usage data. Such processing is prohibited unless made in conformity with the exceptions to the prohibitions as determined in applicable privacy and data protection laws and regulations and reflected herein.
Controller: O Finance SAL
Commercial Register: C.R. No. 71506 – Beirut
Regulatory Status: Licensed Financial Institution No. 48, approved and regulated by the BDL under Decision No. 9701 dated 18/09/2007
Address: Achrafieh 4898, G20 Tower, 7th Floor, Beirut, Lebanon
Phone: +961 21 425 823 / +961 21 425 826
Email: info@ofinance.com.lb | Website: www.ofinance.com.lb
Privacy & Data Protection Contact:
Requests relating specifically to personal data, privacy, consent, or data subject rights should be directed to our Compliance & Data Protection Unit – O Finance SAL
Email: info@ofinance.com.lb
Complaints Channel: For any complaints of any kind, including service-related matters, please contact: complaints@ofinance.com.lb
O Finance collects the data in a transparent manner and applies appropriate measures to protect the collected and processed data and to protect such data against unauthorized or unlawful processing and against accidental loss, destruction, misuse, or damage, using appropriate technology. We obtain your data mainly from you when you use our Services, or when you contact us for any reason, or in connection with our lending services.
We also (i) obtain your data from your authorized representatives, agents, lawyers or introducers, from entities or people with which you may have a relationship such as your employer, from entities affiliated or connected to O Finance, from third parties who provide services or payments to you or to O Finance or with whom you are engaged in business or relation, or from correspondents or reference agencies, directories, fraud prevention agencies or government agencies, and from publicly available resources, such as commercial and real estate registrars, central banks, databases of local and foreign regulatory and supervisory authorities (such as sanctions list), the press, the media, online search engines and other online resources.
Depending on how you interact with our Services, we may collect the following categories of personal data:
3.1 Identity & Contact Information
3.2 Loan & Professional Information
3.3 Identification Information
3.4 Technical & Usage Data
3.5 Communication Data
3.6 Age Restriction
O Finance enforces a strict policy prohibiting individuals under the age of 18 from using our Services. We do not knowingly collect any personally identifiable information from children under the age of 18. If we become aware of any such information provided by a child under 18, we will promptly remove it from our servers. We encourage parents or guardians to contact us if they believe their child has shared personal information with us, so we can take the appropriate action.
4.1 We process personal data for the following purposes:
4.2 Processing of Sensitive Data. We will only process your Sensitive Data in the following circumstances:
For the purpose of this Policy, “Sensitive Data” means your personal data which may reveal information about your racial or ethnic origin, political opinions, religious beliefs, trade union activities, physical or mental health, sexual life, genetic or biometric data, financial and payment information, SMS and call-related data, microphone, camera, and other sensitive device or usage data. Such processing is prohibited unless made in conformity with the exceptions to the prohibitions as determined in applicable privacy and data protection laws and regulations and reflected herein.
We process personal data based on one or more of the following legal bases:
Cookies are used subject to your preferences as configured through your browser or the cookie consent banner.
Our website uses cookies and similar technologies to:
You can choose to reject cookies at any time, either by changing your browser settings (if your browser permits) or by ceasing to our Services or by using the applicable opt-out functions. You should be aware that certain features are only available through the use of cookies and if you choose not to accept cookies, such features may not be available to you.
Details regarding cookies are provided in our Cookies Policy, available on our website.
We may share personal data on a strictly need-to-know basis with:
Your choices regarding our use and disclosure of your personal data. We give you choices regarding our use and disclosure of your personal data for marketing purposes. You may opt out from receiving marketing-related emails from us. If you no longer want to receive marketing related emails from us on a going-forward basis, you may opt out by sending an email to inquiries@ofinance.com.lb or by using the unsubscribed link at the bottom of each marketing email. We will try to comply with your request(s) as soon as reasonably practicable.
We do not sell personal data.
Your personal data may be hosted and processed in Lebanon and abroad, including:
We apply appropriate safeguards to ensure the confidentiality and security of personal data during international transfers.
We retain personal data only for as long as necessary to:
We apply industry-standard technical and organizational security measures, including:
Your privacy is important to us and we have implemented various technology and operational security measures, including encryption and security protocols, in order to protect your data from loss, misuse, alteration, destruction or unauthorized access. We have established procedures to address any suspected data breaches. Despite these measures, no system can be guaranteed 100% secure nor is stored data free from vulnerabilities. We cannot guarantee the security of our websites, databases or services, nor can we guarantee that the information you supply will not be intercepted while being transmitted to us over the internet. We are not responsible for actions of third parties.
Third-Party websites. Through our website or applications, you may have access to other parties, websites, and platforms that offer you the benefit of their products or services. As such, you may be required to submit your data to register or apply for products or services provided by such third parties. This Policy does not apply to these third-party sites. Please note that we have no control over the information that you submit to them. You should read the relevant privacy policy of those third-party sites before responding to any offers, products or services advertised by them.
Subject to applicable laws and regulations, you have certain rights relating to your data.
Right to withdraw consent. Where you have provided your consent to us, you will always have the right to withdraw this at any time. You can do this by either following the information provided at the time you provided your consent, or by contacting us using the following email address: inquiries@ofinance.com.lb. The withdrawal of consent will not affect any processing that was based on consent before its withdrawal.
Right to request correction of your data. You will always have the right to request that we correct any data that we process about you that is inaccurate or incomplete. You can do this by contacting us at inquiries@ofinance.com.lb.
Additional Rights. You are also provided with additional rights which allow you, subject to certain conditions, to:
It is important to understand that these rights are not absolute (e.g. their application may depend upon the lawful basis we rely upon to process your data) and that we may require further information from you (e.g. to confirm your identity) in order to action your request.
Requests should be sent to: inquiries@ofinance.com.lb
We may decline, defer, or limit a request where necessary or appropriate to comply with legal or regulatory obligations, preserve confidentiality, prevent fraud or financial crime, protect security and system integrity, maintain records, investigate complaints, or establish, exercise, or defend legal rights.
We reserve the right to update this Policy at any time. Updates will be posted on our website with the revised date.
