Effective Date: June 2025
1. Introduction
People’s Micro-Commerce Ltd (“PML”, “we”, “our”, or “us”) is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you visit our website, PML.lk, use our services, submit inquiries, apply for financial products, or otherwise interact with us.
By accessing or using this website, you agree to the collection and use of information in accordance with this Privacy Policy.
2. About Us
People’s Micro-Commerce Ltd (PML) is a fully owned subsidiary of People’s Leasing & Finance PLC and provides financial solutions and microfinance services across Sri Lanka.
Registered Office:
No. 290, High Level Road, Nugegoda, Sri Lanka
Telephone: +94 11 289 0990
Email: info.pml@plc.lk
3. Information We Collect
We may collect and process the following categories of information:
Personal Information
- Full name
- NIC/Passport number
- Date of birth
- Gender
- Postal address
- Email address
- Telephone number
- Employment details
- Financial information
- Business information
- Loan application details
- Information provided through forms on our website
Technical Information
When you visit our website, we may automatically collect:
- IP address
- Browser type and version
- Device information
- Operating system
- Referral source
- Pages visited
- Date and time of access
- Website usage statistics
Marketing Information
- Communication preferences
- Newsletter subscriptions
- Responses to surveys and promotions
4. How We Collect Information
We collect information when you:
- Visit our website
- Submit contact forms
- Request information about our products
- Apply for loans or financial facilities
- Subscribe to newsletters
- Participate in surveys or promotional activities
- Contact us by phone, email, or social media
5. How We Use Your Information
We may use your information to:
- Process inquiries and applications
- Verify your identity
- Assess eligibility for financial products
- Communicate regarding services and transactions
- Improve our products and customer experience
- Manage customer relationships
- Comply with legal and regulatory obligations
- Prevent fraud and financial crime
- Conduct internal audits and risk assessments
- Send service updates and marketing communications (where permitted)
6. Legal Basis for Processing
We process personal information where necessary to:
- Perform contractual obligations
- Comply with legal and regulatory requirements
- Protect legitimate business interests
- Prevent fraud and financial misconduct
- Obtain consent where required
7. Cookies and Tracking Technologies
Our website may use cookies and similar technologies to:
- Improve website functionality
- Remember user preferences
- Analyze website traffic
- Enhance user experience
- Support website security
You may configure your browser to reject cookies; however, some website features may not function properly.
8. Disclosure of Information
We may share your information with:
- Regulatory authorities
- Government agencies
- Law enforcement authorities when legally required
- Auditors and compliance professionals
- Technology service providers
- Payment and banking partners
- Professional advisers
- Companies within the People’s Leasing group where legally permissible
We do not sell your personal information to third parties.
9. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect personal information from:
- Unauthorized access
- Disclosure
- Alteration
- Misuse
- Loss or destruction
Despite our efforts, no method of transmission over the Internet can be guaranteed as completely secure.
10. Data Retention
We retain personal information only for as long as necessary to:
- Provide our services
- Fulfill legal obligations
- Resolve disputes
- Enforce agreements
- Meet regulatory requirements
When information is no longer required, it will be securely deleted or anonymized.
11. Your Rights
Subject to applicable laws and regulations, you may have the right to:
- Request access to your personal information
- Request correction of inaccurate information
- Request deletion where legally permissible
- Object to certain processing activities
- Withdraw consent where processing is based on consent
- Request information regarding how your data is used
Requests may be submitted through the contact details provided below.
12. Third-Party Websites
Our website may contain links to external websites. We are not responsible for the privacy practices or content of third-party websites. Users should review the privacy policies of those websites separately.
13. Marketing Communications
Where permitted by law, we may send information about:
- Products and services
- Promotions
- Events
- Educational content
- Company updates
You may opt out of marketing communications at any time by contacting us or using the unsubscribe facility provided.
14. Children’s Privacy
Our website and services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors without appropriate authorization.
15. International Data Transfers
Where necessary, personal information may be processed by service providers located outside Sri Lanka. In such cases, we will take reasonable steps to ensure adequate protection of personal information.
16. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in legal, regulatory, operational, or technological requirements.
Any updates will be posted on this page with a revised effective date.
17. Contact Us
For privacy-related inquiries, requests, complaints, or concerns, please contact:
People’s Micro-Commerce Ltd
No. 290, High Level Road,
Nugegoda, Sri Lanka
Phone: +94 11 289 0990
Email: info.pml@plc.lk
Grievance Email: grievances.pmcl@plc.lk
Last Updated: June 2026
This Privacy Policy applies solely to the PML.lk website and related online services.