Moil House (Opposite YMCA), Buganda Road, Kampala
bloomuganda@gmail.com 0704191948 / 0701826711

Data Protection

Data Privacy Policy

Effective Date: April 30, 2025

1. Introduction

We at Bloom Financial Limited (hereinafter referred to as "Bloom" or the "Company") take our responsibilities under the data protection laws in Uganda (and internationally) seriously.

The purpose of this policy is to help you understand how we collect, use, disclose and/or process the personal data you have provided to us and also to assist you in making informed decision before giving us access to your personal data.

This statement should be read together with our Terms and Conditions for products and services. Personal data is information relating to our customer or potential customers (hereafter referred to "you" or "your"). The data controller of your personal data is Bloom that you have or may have a relationship with.

This statement applies to all customers, suppliers and all clients who have any business dealings with the company.

2. Collection of Information

We collect your personal information with your knowledge and consent when you do any of the following (please note that this list is not exhaustive):

  • Apply for a specific product or service
  • Ask for more information about our product or service or contact us with a query or complaint
  • Respond to or participate in a survey, marketing promotion, prize competition or special offer
  • We may also collect your information from other organizations including credit-reference bureaus, fraud prevention agencies and business directories
  • We may collect your information when you interact with us as a supplier as prescribed in this statement
  • We may also collect information when you visit any of our premises
  • When you interact with our sales agents they may collect personal information

What Information is Collected

The information we collect and store about you includes but is not limited to the following:

Identity Information

Your name, photograph, address, location, phone number, identity document type and number, date of birth, email address, age and gender.

Account Information

Information about your bank account numbers and SWIFT codes or other banking information.

Transaction Information

Transaction information from mobile money statements and bank statements.

Income Information

Details on your earnings as per your pay slip.

Communication Records

Your contact with us, such as when you call us or interact with us through social media (we may record your conversations, social media or other interactions with us).

3. Use of Information

We may use and analyze your information for the following purposes:

Processing applications for products and services, effecting payments, transactions and completing instructions or requests.

Responding to any of your queries or concerns, verifying your identity information through publicly available and/or restricted government databases in order to comply with applicable regulatory requirements.

Assessing suitability for products and services, carrying out credit checks and credit scoring.

To comply with any legal, governmental or regulatory requirement or for use by our lawyers in connection with any legal proceedings.

Lawful Basis for Processing

We will process your personal information based on any of the lawful basis provided for under the Data Protection Law:

Contract Performance
Legitimate Interests
Legal Compliance
Your Consent
Public Interest
Vital Interests
Data Retention
We retain your personal data in line with our legal and regulatory obligations and for business and operational purposes. In the majority of cases this will be for seven years from the end of your relationship with us. Anonymized information that can no longer be associated with you may be held indefinitely.

4. Disclosures of Information

We will respect the confidentiality of the personal data you provide to us. Any disclosure of your information shall be in accordance with applicable law and regulations.

We may disclose your information to:

Legal Authorities

Law-enforcement agencies, regulatory authorities, courts or other statutory authorities in response to lawful demands.

Service Partners

Our associates, partners, software developers or agents involved in delivering our products and services.

Financial Agencies

Fraud prevention agencies, credit-reference agencies, debt-collection organizations.

Government Databases

Publicly available and/or restricted government databases to verify identity for regulatory compliance.

Marketing Communications

We may use your personal data for market research, surveys, and marketing purposes including promotional events, competitions and lucky draws.

Opt-out: You can ask us to stop sending you marketing messages at any time by contacting us or following the opt-out option on any marketing message.

5. Access to and Updating Your Information

If you believe that our records contain inaccurate or incomplete information about you, please visit any of our branch outlets to make the necessary amendments. Some changes will only be made once the necessary supporting documentation has been obtained.

We will take reasonable steps to investigate your concerns and correct inaccurate information in a timely manner.

6. Safeguarding and Protection of Information

The company has put in place technical and operational measures to ensure integrity and confidentiality of your data via controls around:

Access Control
Physical Security
Monitoring & Compliance

7. Your Rights

Subject to legal and contractual exceptions, you have rights under data protection laws in relation to your personal data:

Right to be Informed

That we are collecting personal data about you

Right to Access

Personal data that we hold about you and request information about how we process it

Right to Rectification

Request that we correct your personal data where it is inaccurate or incomplete

Right to Erasure

Request that we erase your personal data (noting legal obligations may apply)

Right to Object

Object and withdraw your consent to processing of your personal data

Right to Restrict Processing

Request restricted processing of your personal data

8. Cookies

We may use cookies and similar technologies on our websites and apps, and in our emails. Cookies are text files that gather small amounts of information, which your computer or mobile device stores when you visit a website or use an app.

Website Navigation

Letting you navigate between pages efficiently and remembering your preferences

User Experience

Generally improving your online experience and making ads more relevant

Email Tracking

Understanding how you interact with our emails to improve communications

Analytics

Using similar technologies such as pixel tags and JavaScript for analytics

9. How to Contact Us

Call Us

0704191948 / 0701826711

10. Right to Lodge Complaint

You have the right to lodge a complaint with the relevant supervisory authority that is tasked with personal data protection within the Republic of Uganda.

11. Amendments to This Statement

The company reserves the right to amend or modify this statement at any time and you are advised to visit this site regularly to check for any amendments.

Statement Effective Date: April 30, 2025