Privacy Policy

Information We Collect

When you use Golden Koi Capital's services, we collect the following information to process your loan application and manage your account:

• Your GTA World account credentials (username, character ID)
• Character information including name, phone number, and banking routing number
• Loan application details (requested amount, purpose, employment status, monthly income)
• Complete loan transaction history and repayment records
• Communication records including phone calls, text messages, and in-person meeting notes
• Identification documents provided during the loan signing process

How We Use Your Information

Your information is used exclusively for legitimate business purposes within Los Santos:

• Process and evaluate loan applications using our proprietary risk assessment model
• Verify your identity and employment status through San Andreas records
• Manage active loans, process repayments, and track payment history
• Communicate important updates regarding your loan status, upcoming payments, or late notices
• Comply with San Andreas financial regulations and lawful court orders
• Improve our services and prevent fraudulent applications

Information Sharing & Disclosure

Golden Koi Capital respects your privacy. We do not sell, trade, or rent your personal information to third parties. Your information may only be disclosed in the following circumstances:

• With your explicit consent: You authorize us to share specific information
• Legal requirements: Court orders, subpoenas, or San Andreas law enforcement requests
• Default situations: To collections agencies or attorneys for debt recovery
• Credit bureaus: To report payment history and defaults to Los Santos credit agencies

Data Security

We implement industry-standard security measures to protect your information:

• Encrypted data transmission using HTTPS protocols
• Secure authentication via GTA World OAuth
• Regular security audits and penetration testing
• Limited staff access on a need-to-know basis only
• Physical security for any paper documents stored at our Hawick office
• Secure deletion protocols for disposed records

Data Retention

We retain your data for the duration necessary to provide our services and comply with legal obligations:

• Active loans: Data retained until loan is fully repaid plus 2 years
• Completed loans: Records kept for 3 years for financial auditing purposes
• Denied applications: Data deleted after 6 months
• Inactive accounts: May request data deletion after 2 years of inactivity

Your Rights

As a client of Golden Koi Capital, you have the following rights under San Andreas privacy laws:

• Right to Access: Request a copy of all personal data we hold about you
• Right to Correct: Request corrections to inaccurate or incomplete information
• Right to Delete: Request deletion of your data (subject to legal requirements for financial records)
• Right to Opt-Out: Unsubscribe from non-essential communications
• Right to Withdraw Consent: Revoke consent for data processing at any time

Third-Party Services

We may use trusted third-party services to facilitate our operations, including:

• Fleeca Bank: For payment processing and fund transfers
• GTA World UCP: For authentication and identity verification
• Communication platforms: For SMS and call services (with your consent)

These third parties have their own privacy policies and are contractually obligated to protect your information.

Changes to This Policy

Golden Koi Capital may update this Privacy Policy from time to time. We will notify clients of material changes via:

• In-game mail notification
• SMS text message to your registered phone number
• Updated policy posted on our website with effective date

Contact Us

If you have questions, concerns, or requests regarding your privacy or this policy, please contact our Data Protection Officer:

• Email: privacy@goldenkoicapital.gta
• Phone: 19003762
• Address: Golden Koi Capital Office, Hawick, Los Santos, San Andreas
• Hours: Monday-Friday, 9 AM - 6 PM