The short version
- emi LPS lets customers register, complete KYC (Know Your Customer) checks and apply for loans, and lets our authorised staff review applications and collateral.
- We collect the information needed for that work, including identity details and photos of identity and collateral documents.
- The app does not show ads, use advertising or analytics trackers, access your location or contacts, or sell personal information.
- Face ID and fingerprint checks happen entirely on your device. We never receive your biometric data.
1. Who we are
The emi LPS app (the “App”) is provided by Ekphatthana Deposit Taking MFI (EMI) (“we”, “us”, “our”), which is responsible for the personal information processed through the App.
This policy applies to two groups of people:
- Customers: individuals and businesses who register for the App to complete KYC checks, apply for loans and provide collateral details.
- Related persons: people whose details are included in a KYC, loan or collateral record, such as spouses, guarantors, witnesses and collateral owners.
If you enter information about another person, such as a guarantor or witness, you must have their permission to share it with us for these purposes.
2. Information we collect
Information you provide
| Category | Examples |
|---|---|
| Account details | User type, title, first, middle and last name, gender, email address or phone number, and password. |
| Identity and personal details | Name and surname, spouse’s surname, date and place of birth, gender, civil status, nationality, ethnicity, and province of residence. |
| Identity documents | National ID number, passport number, family book number, and each document’s issue date, expiry date and issuing province. |
| Contact details | Mobile number, email address and WhatsApp ID. |
| Employment and financial details | Occupation, employer, ministry, position, salary, allowances, bank account name, number and type. |
| Business details | Company name, category, registration ID, tax ID, registered capital, and project details. |
| Loan information | Product, loan type, amount, currency, term, purpose, loan cycle and application status. |
| Collateral information | Land title and map details, vehicle plate, engine and body numbers, machinery details, gold or silver weight, and details of guarantors and witnesses. |
| Photos and documents | Photos you take or choose of identity documents, customer documents and collateral. |
Information created when you use the App
- Session information: your sign-in status and the time you were last active, used to sign you out automatically.
- Preferences: your chosen language (English or Lao) and whether biometric sign-in is turned on. These are stored only on your device.
- Technical information: when the App checks for updates, it sends the platform (Android or iOS), app and runtime version, and a random installation identifier generated by the App so the correct update can be delivered. This identifier is not linked to your name or account and is reset if you reinstall the App.
Information we do not collect
The App does not collect your precise or approximate location, contacts, call logs, SMS messages, browsing history or advertising identifiers, and it does not record audio.
3. Device permissions
The App asks for permission only when a feature needs it. You can change these permissions at any time in your device settings.
- Camera: used to photograph identity documents and collateral for a customer record. Only the photos you take are used.
- Photos and media: used to let you choose existing photos to attach to a record. The App only reads the images you select.
- Face ID / fingerprint: used to unlock your saved sign-in, if you turn on biometric sign-in.
Before uploading, photos are resized and compressed on your device to reduce data usage. If you decline a permission, you can still use the rest of the App, but that feature won’t be available.
4. Biometric sign-in
Biometric sign-in is optional and turned off by default. When you turn it on:
- Your fingerprint or face is checked by your device’s operating system (for example Face ID, Touch ID or Android Biometrics). The App and our servers never receive or store your biometric data.
- Your sign-in details are saved in your device’s secure storage (the iOS Keychain or Android Keystore). They can be read only after a successful biometric check, stay on this device, and are not included in backups restored to other devices.
- Signing out ends your session but keeps biometric sign-in set up on that device. You can remove the saved details at any time by turning biometric sign-in off.
5. How we use information
We use personal information to:
- Create and manage your account, verify your identity when you sign in, and help you reset your password.
- Carry out customer identification and verification (KYC) checks.
- Receive, assess and process loan applications, and record and evaluate collateral.
- Show you the status of applications, loans and collateral linked to your account.
- Keep the App and accounts secure, including signing you out automatically after a period of inactivity.
- Deliver App updates and fix problems.
- Meet our legal and regulatory obligations, such as anti-money laundering, record keeping and responding to lawful requests from authorities.
We process this information because it is needed to provide the services you request, to meet our legal obligations, for our legitimate interest in running a secure and reliable service, or with your consent where the law requires it.
7. Storage and security
Records you submit, including uploaded photos, are stored on our servers. On your device:
- Your sign-in session is kept in the operating system’s secure storage, not in plain app storage.
- Sessions end automatically after 10 minutes of inactivity in the App, or 5 minutes after you leave it.
- Your language preference and whether biometric sign-in is on are stored locally and contain no sensitive information.
We use technical and organisational measures designed to protect personal information from loss, misuse and unauthorised access, including access controls that limit who can view customer records. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
Please keep your password private and your device protected with a screen lock. If you think your account has been compromised, contact us right away.
8. Data retention
We keep personal information only for as long as we need it for the purposes described in this policy. KYC, loan and collateral records may need to be kept after an account is closed or a loan is repaid, for the period required by the laws and financial regulations that apply to us. When information is no longer needed, we delete or anonymise it securely.
Information stored only on your device, such as your session, language preference and saved biometric sign-in details, is removed when you sign out, turn off biometric sign-in, or uninstall the App.
9. Your rights and choices
Depending on the laws that apply to you, including the laws of the Lao PDR on electronic data protection, you may have the right to:
- Ask whether we hold personal information about you and request a copy of it.
- Ask us to correct information that is inaccurate or incomplete.
- Ask us to delete your information, unless we must keep it by law.
- Object to or ask us to restrict certain processing.
- Withdraw consent you have given, without affecting processing that has already happened.
To make a request, contact us using the details below. We may need to verify your identity before responding, and we will reply within the time required by applicable law.
You can also turn off camera, photo or biometric access in your device settings, and turn off biometric sign-in in the App.
10. Deleting your account
You can delete your emi LPS account at any time, in either of these ways.
In the App
- Sign in to emi LPS.
- Open Profile and tap Delete account.
- Confirm the deletion. You will be signed out, and the sign-in and biometric details saved on your device are removed.
Without the App
If you can’t access the App, email emi@emimfi.com with the subject line “Account deletion request”. Include your full name and the email address or phone number registered to your account. We may contact you to confirm your identity before deleting anything.
What is deleted and what is kept
| Data | What happens |
|---|---|
| Account and sign-in details | Deleted. You can no longer sign in. |
| KYC applications that did not lead to a loan, and their photos | Deleted, unless the law requires us to keep them. |
| KYC, loan and collateral records for loans that were approved, active or repaid | Kept only for the period required by financial, anti-money laundering and record-keeping laws, then deleted. They are not used for any other purpose during that time. |
| Session, language and biometric settings on your device | Removed from the device. |
We complete deletion requests within [30] days of confirming your identity.
11. Children
The App is not intended for anyone under 18. We do not knowingly collect personal information from children through the App. If you believe a child has given us personal information, contact us and we will take appropriate steps to delete it.
12. Changes to this policy
We may update this policy from time to time, for example when we add features or when legal requirements change. We will change the effective date at the top of this page, and for significant changes we will notify you in the App or by other appropriate means. If you continue to use the App after an update, the revised policy applies.
13. Contact us
If you have questions about this policy or how we handle personal information, or want to exercise your rights, please contact: