Privacy Policy

BSAi Global Limited ("Black Swan", "we", "us", or "our") operates credit infrastructure technology that enables financial institutions to assess creditworthiness, manage lending operations, and deliver financial products across Africa. This Privacy Policy explains how we collect, use, disclose, and protect your information when you interact with our website, platform, and services.

By using our services, you agree to the collection and use of information in accordance with this policy.

We may collect the following types of information:

• Personal Information: Name, email address, phone number, and other identifying details you provide when contacting us or using our services.
• Financial Data: Transaction history, income data, bank statements, mobile money records, and other financial information shared with your consent for credit assessment purposes.
• Device & Usage Data: IP address, browser type, operating system, pages visited, and other analytical data collected automatically when you use our website or platform.

We use the information we collect to:

• Provide credit assessment and risk analysis services to our partner financial institutions.
• Improve and develop our platform, products, and services.
• Comply with applicable legal, regulatory, and compliance obligations.
• Communicate with you about our services, updates, and respond to your enquiries.
• Detect and prevent fraud, unauthorised access, and other security threats.

We do not sell your personal data. We may share information in the following circumstances:

• Partner Institutions: Financial data may be shared with banks, fintechs, and lending partners who use our platform, strictly for credit assessment purposes and with your consent.
• Legal Requirements: We may disclose information where required by law, regulation, legal process, or governmental request.
• Service Providers: Trusted third-party providers who assist us in operating our platform, subject to confidentiality obligations.

We implement appropriate technical and organisational measures to protect your information against unauthorised access, alteration, disclosure, or destruction. These include encryption, access controls, and regular security assessments. However, no method of transmission over the internet is entirely secure, and we cannot guarantee absolute security.

We retain your personal information only for as long as necessary to fulfil the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. When data is no longer needed, it is securely deleted or anonymised.

Depending on your jurisdiction, you may have the following rights:

• Access: Request a copy of the personal data we hold about you.
• Correction: Request correction of inaccurate or incomplete data.
• Deletion: Request deletion of your personal data, subject to legal retention requirements.
• Consent Withdrawal: Withdraw your consent to data processing at any time, where consent is the legal basis for processing.

To exercise any of these rights, please contact us.

Our website may use cookies and similar tracking technologies to enhance your experience, analyse usage patterns, and improve our services. You can manage your cookie preferences through your browser settings. Disabling cookies may affect the functionality of certain features.

Our services are not directed at individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child, we will take steps to delete it promptly.

We may update this Privacy Policy from time to time. Changes will be posted on this page with a revised effective date. We encourage you to review this policy periodically to stay informed about how we protect your information.

If you have any questions or concerns about this Privacy Policy or our data practices, please get in touch with us.

BSAi Global Limited
Level 6, Tower 1, NeXTeracom Complex
Ebene Cybercity, Mauritius