Privacy Policy

1. Who we are

This website and portal are operated by Alora Asset & Capital Solutions (Pty) Ltd ("Debtquity", "we", "us"), a Namibian company. We are responsible for the personal information we process about you.

2. Laws we follow

• We respect the right to privacy in Article 13 of the Namibian Constitution and will align our practices with Namibian data protection legislation as it comes into force.
• Where we process personal information of people or businesses in South Africa, we follow the Protection of Personal Information Act, 2013 (POPIA).

3. What we collect

• Contact details: name, email address, phone number, company and role.
• Business and funding information: company registration details, financial statements, invoices, purchase orders, contracts, asset details and bank details you choose to share.
• Identity and verification information needed for know-your-customer and anti-money-laundering checks.
• Technical information: IP address, browser type and how you use the website, collected through essential cookies (see our Cookie Policy).
• Partly completed forms: if you start an enquiry but do not submit it, we may keep what you typed so we can follow up with you.

4. Why we use it

• To respond to enquiries and assess funding requirements.
• To structure, place and administer funding with capital partners.
• To meet legal, regulatory, anti-money-laundering and record-keeping obligations.
• To keep the portal secure and prevent fraud.
• To send updates you have asked for. You can unsubscribe at any time.

5. Who we share it with

• Capital partners and funders considering your transaction, only with your knowledge and as needed to assess it.
• Referral partners who introduced you, limited to the status of your application. They never see internal credit notes.
• Service providers who host and run our systems, under confidentiality obligations.
• Regulators, courts or law enforcement where the law requires it.
• We do not sell personal information.

6. Cross-border transfers

Our systems are hosted with cloud providers that may store data outside Namibia. We only use providers that apply recognised security controls and contractual safeguards.

7. How long we keep it

We keep personal information for as long as needed for the purposes above and to meet legal retention periods, generally at least five years after a business relationship ends for financial and anti-money-laundering records.

8. Your rights

• You may ask to access, correct or delete your personal information, object to certain processing or withdraw consent for marketing. Some requests may be limited by legal retention obligations.
• Email dealdesk@debtquity.com.na to make a request. In South Africa you may also complain to the Information Regulator.

9. Security

We use encryption in transit, role-based access controls, maker-checker approval on payments and an audit trail of changes. See the Security section of our Disclaimer & Regulatory Notice for more.

10. Changes

We may update this policy. The date at the top shows the latest version.