Privacy Policy

1. Introduction

This Privacy Policy explains how The Able Group ("we", "us", or "our") collects, uses, discloses, and protects personal information when you visit our website, contact us, or otherwise interact with us.

We provide embedded credit and savings infrastructure for partners including banks, telcos, fintechs, and other distribution platforms. This policy applies to personal information we process in connection with our corporate website and business enquiries. Where we process personal data on behalf of partners in connection with financial products, those activities are governed by our agreements with partners and applicable partner privacy notices.

2. Information we collect

We may collect the following categories of information:

• Contact details such as your name, email address, phone number, company name, and job title when you submit a form or contact us.
• Communications you send to us, including messages, attachments, and enquiry details.
• Technical and usage information when you use our website, such as IP address, browser type, device information, pages viewed, and referring URLs. If you accept non-essential cookies, we also collect website analytics data through Google Analytics 4 as described in the Cookies section below.
• Cookie and similar technology data as described in the Cookies section below.
• Recruitment information if you apply for a role with us.

3. How we use your information

We use personal information to:

• Respond to enquiries and communicate with you about our services.
• Operate, maintain, and improve our website and business operations.
• Evaluate and manage partnership, commercial, and recruitment opportunities.
• Comply with legal obligations and protect our rights, users, and partners.
• Understand how visitors use our website and improve our content and user experience, including through Google Analytics 4 where you have accepted non-essential cookies.
• Maintain the security and integrity of our systems.

4. Legal bases for processing

Where applicable data protection law requires a legal basis, we rely on one or more of the following: your consent (including for non-essential cookies and Google Analytics 4); performance of a contract or steps prior to entering a contract; our legitimate interests in operating and promoting our business, securing our services, and communicating with prospective partners, provided those interests are not overridden by your rights; and compliance with legal obligations.

5. How we share information

We do not sell your personal information. We may share information with service providers who assist us with hosting, analytics, communications, recruitment, security, and professional services, subject to appropriate contractual safeguards. This includes Google LLC, which provides Google Analytics 4 when you accept non-essential cookies. Analytics data may be processed by Google in accordance with its privacy policy. We may also disclose information where required by law, regulation, court order, or governmental request, or where necessary to protect rights, safety, and security.

Because we operate internationally, information may be processed in countries where we or our service providers maintain facilities, including the United Arab Emirates, Kenya, Tanzania, and India.

6. International transfers

If we transfer personal information across borders, we implement appropriate safeguards consistent with applicable law, such as contractual protections or other lawful transfer mechanisms.

7. Data retention

We retain personal information only for as long as necessary for the purposes described in this policy, unless a longer retention period is required or permitted by law. Retention periods may vary depending on the nature of the information and our legal, regulatory, and operational requirements.

8. Security

We implement technical and organisational measures designed to protect personal information against unauthorised access, loss, misuse, or alteration. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. Your rights

Depending on your location, you may have rights to access, correct, delete, restrict, or object to certain processing of your personal information, and to withdraw consent where processing is based on consent. You may also have the right to lodge a complaint with a supervisory authority. To exercise applicable rights, contact us using the details below.

10. Cookies and analytics

Our website uses cookies, local storage, and similar technologies as follows:

• Preference storage: we save your cookie consent choice in your browser's local storage so we can remember whether you accepted or declined non-essential cookies.
• Analytics: if you accept non-essential cookies, we use Google Analytics 4 (provided by Google) to understand how visitors use our website. This may include pages viewed, approximate location derived from IP address, device and browser information, and referral source. Google Analytics uses cookies and similar technologies. We load Google Analytics only after you accept non-essential cookies through our cookie banner.

You can accept or decline non-essential cookies through the cookie banner on our website. You can also manage cookies through your browser settings. To opt out of Google Analytics across websites, visit Google's opt-out tool at https://tools.google.com/dlpage/gaoptout. For more information about how Google processes data, see https://policies.google.com/privacy.

Declining non-essential cookies will prevent Google Analytics from loading on our website. Disabling cookies or local storage in your browser may affect certain site features, including our ability to remember your cookie preference.

11. Third-party links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties, and we encourage you to review their privacy policies.

12. Children

Our website and business services are not directed to children, and we do not knowingly collect personal information from children through this website.

13. Changes to this policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page indicates when it was last revised. Material changes will be posted on this page.

14. Contact us

If you have questions about this Privacy Policy or our privacy practices, contact The Able Group at hello@ablegroup.io.