Privacy Policy

At Premier Management Lanka (Pvt) Ltd ("we," "our," or "us"), we are deeply committed to protecting your personal and financial privacy. As an independent mortgage and banking advisory firm in Sri Lanka, we understand that securing a home loan, construction facility, or refinancing package requires sharing sensitive personal and financial details. This Privacy Policy outlines how we collect, use, safeguard, and disclose your information when you interact with our website, use our advisory tools, or engage our consulting services.

1. Information We Collect

To provide thorough, customized home loan advisory and mortgage packaging services, we collect various categories of personal and financial information, including:

• Personal & Contact Information: Your full name, National Identity Card (NIC) number, passport details (for expatriate clients), residential address, email address, and telephone/WhatsApp contact numbers.
• Financial & Employment Records: Details regarding your monthly income, employment history, business revenue, existing banking facilities, credit profile, tax records, and asset declarations necessary for mortgage pre-assessments.
• Property & Transaction Data: Information concerning the target property, Title Deeds, Survey Plans, Bill of Quantities (BOQ), construction timelines, and purchase agreements.
• Technical & Usage Information: When you access our website (`www.premiermgt.lk`), our servers automatically record standard technical data such as your IP address, browser type, device characteristics, and browsing patterns to optimize our online experience.

2. How We Use Your Information

We strictly utilize the information collected for legitimate professional advisory and loan facilitation purposes:

• Assessing your eligibility across multiple commercial banks and structuring optimal mortgage solutions tailored to your financial capacity.
• Preparing, compiling, and submitting formal credit applications and supporting documentation to partner financial institutions, strictly with your prior consent.
• Liaising with bank credit committees, branch managers, property valuers, and legal advisors on your behalf to expedite approvals and disbursements.
• Communicating progress updates, scheduling consultation sessions, and responding promptly to your inquiries.
• Complying with statutory reporting requirements and adherence to anti-money laundering (AML) guidelines within Sri Lanka's financial sector.

3. Confidentiality & Information Sharing

Premier Management Lanka operates with strict professional independence. We do not sell, rent, trade, or commercialize your personal or financial data to unauthorized third parties. Information is shared strictly on a need-to-know basis with licensed commercial banks, valuation firms, legal professionals, and statutory bodies in Sri Lanka only when necessary to process your mortgage application or comply with enforceable legal requirements.

4. Data Security & Retention

We employ industry-standard administrative, technical, and physical security measures to safeguard your personal data against unauthorized access, loss, alteration, or accidental destruction. Client documentation is stored securely in encrypted physical and digital repositories. We retain your records only for as long as necessary to fulfill our contractual advisory scope, maintain professional audit trails, and satisfy regulatory record-keeping obligations under applicable Sri Lankan laws.

5. Your Privacy Rights

As our client, you retain full control over your personal information. You have the right to request review of the data we hold, ask for corrections to incomplete or inaccurate details, or request the deletion of non-essential records where legally and contractually permissible. Furthermore, you may opt out of promotional or informational newsletters at any time by contacting us directly.

6. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or how your personal financial data is handled, please get in touch with our advisory team: