1. Introduction
This Privacy Policy explains how Island Cash Loans (“Company”, “we”, “our”, or “us”) collects, uses, and protects your information when you interact with our services, including through our website and in-person transactions.
By using our services or submitting information to us, you agree to the collection and use of information in accordance with this Privacy Policy.
2. Information We Collect
We may collect the following types of information:
Personal Information
- Full name
- Date of birth
- Address
- Phone number
- Email address
- Government-issued identification
Financial and Employment Information
- Employment details
- Income verification
- Banking or financial references (if applicable)
Usage Data
- IP address
- Browser type
- Pages visited on our website
- Time and date of visits
3. How We Collect Information
- We collect information through:
- Online application forms
- In-person appointments
- Direct communication (phone, email, or in-office)
- Website usage (cookies and analytics tools)
4. In-Person Verification and Agreements
Clients are required to:
- Attend a scheduled appointment
- Present valid identification
- Provide supporting documentation
- Sign loan agreements physically
No loan is finalized or disbursed without in-person verification and signed documentation.
5. Identity Verification (KYC)
We conduct identity verification procedures as part of our application process, commonly referred to as Know Your Customer (KYC).
This may include:
- Reviewing government-issued identification
- Verifying employment and income details
- Confirming residential address
- Conducting background or fraud prevention checks where necessary
This process is required to comply with applicable laws and to protect against fraud.
6. Cash Disbursement Policy
All approved loan funds are disbursed in cash only.
- Complete all verification steps
- Sign required documents
- Receive funds
We do not issue electronic transfers or online disbursements.
7. No Online Account Requirement
Our services do not require users to create an online account.
While initial inquiries or applications may be submitted online, all formal processing, verification, and agreement execution are handled directly with our team in person.
8. How We Use Your Information
We use your information to:
- Process loan applications
- Verify identity and eligibility
- Communicate with you regarding your application
- Comply with legal and regulatory requirements
- Prevent fraud and enhance security
- Improve our services and website functionality
9. Cookies and Tracking Technologies
Our website may use cookies and similar technologies to:
- Improve user experience
- Analyse website traffic
- Understand user behaviour
You can choose to disable cookies through your browser settings, though some features of the site may not function properly.
10. Data Sharing and Disclosure
We do not sell your personal information.
We may share your information only when necessary:
- With service providers assisting in business operations
- To comply with legal obligations or law enforcement requests
- To protect our rights, property, or safety
11. Data Retention
We retain your personal information only as long as necessary to:
- Fulfill the purposes outlined in this policy
- Comply with legal, regulatory, and record-keeping requirements
- Resolve disputes and enforce agreements
12. Data Security
We take reasonable administrative, technical, and physical measures to protect your information from unauthorized access, disclosure, or misuse.
However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
13. Your Rights
Depending on applicable laws, you may have the right to:
- Request access to your personal data
- Request corrections to inaccurate information
- Request deletion of your data (where legally permissible)
To make such requests, please contact us using the details below.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time.
Any changes made will be posted on this page.
15. Contact Us
If you have any questions about this Privacy Policy or our practices, you can contact us at:
Island Cash Loans
196 Shedden Road, Grand Plaza Unit #2, George Town
info@icloans.ky
+1 (345) 547 1710
You can also request data removal via the form on our Privacy Data Removal.