Privacy policy

FinBless is owned and operated by E-Bless Communications Global ("we", "us"). This policy explains what personal information we collect when you use FinBless, why we collect it, and how we protect it.

When you create an account we collect your name, email address and password (stored only in scrambled form). If you register a debt, we also collect the lender's name, the loan ID, the account number and exact account name that received the loan, the amounts involved, and any evidence documents you upload.

If you pay into Freedom Heart, our payment provider (Paystack) processes your card or bank details directly — we never see or store your full card number. We record the payment amount, reference and status.

We also keep records needed to run the service safely: sign-in attempts (including the network address used, to stop password guessing), changes to your account and debts, notifications, and messages you send to the Ask FinBless assistant, including voice notes you choose to record.

We use your information to verify debts, allocate Freedom Heart contributions, pay verified lenders, show you your own account, send you notifications about your membership, and keep the platform secure. Borrower account details are used only to verify debts and pay the correct lender — they are never shown publicly.

Your public support page shows only your display name, your message and your verified debt total. The public transparency report shows combined totals only — never names or individual payments. Other members cannot see your debts, account details or payments.

We share information only with the service providers needed to run FinBless: Paystack (payments and transfers to lenders), our hosting and database provider, and the AI provider that powers the Ask FinBless assistant (which receives only your question and a summary of your own account). We do not sell your information.

Your account is protected by your password and by automatic sign-out after 30 minutes without activity. Repeated wrong passwords lock sign-in for a period. Debt evidence files are stored privately and can only be opened by you and authorised FinBless reviewers. Financial records are permanent and cannot be edited or deleted, so there is always a complete trail.

You can ask us at any time to see, correct or delete your personal information. Some financial records must be kept for legal and audit reasons even after your account closes. To make a request, contact us at the address on the Legal page.

If we change this policy we will update the date above and, for significant changes, notify members in the app.