Welcome to our personal credit loan platform (hereinafter referred to as "the Platform"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, share, and protect your data when you use our services.
1. Information We Collect
We may collect the following categories of personal information, as required by applicable laws and to provide our services effectively:
- Identity Information: Name, ID/passport number, phone number, bank account number, emergency contacts;
- Credit Information: Credit reports, credit scores, payment history, loan history;
- Device Information: IP address, browser type, device ID, OS details;
- Transaction Information: Loan applications, disbursements, repayments, overdue records.
2. How We Use Your Information
We collect your data for the following purposes:
- To provide you with loan application, disbursement, and repayment services;
- To verify your identity and assess your creditworthiness;
- To send important notifications such as approval status and payment reminders;
- To prevent fraud and ensure the safety of transactions;
- To comply with legal obligations and regulatory requirements.
3. Sharing of Information
We do not sell your data. We may share your personal information only in the following situations:
- With your explicit consent;
- With financial partners (banks, credit bureaus) as necessary to provide services;
- To comply with laws, legal proceedings, or regulatory authorities;
- To protect the rights, property, or safety of the Platform or its users.
4. Data Storage and Security
- Your personal data is stored securely within the jurisdiction in accordance with local laws;
- We use industry-standard security practices including encryption, firewalls, and access controls;
- When you delete your account, we delete or anonymize your personal data unless retention is required by law.
5. Your Rights
You have the right to:
- Access and correct your personal data;
- Withdraw consent at any time;
- Request deletion of your information under certain circumstances;
- Obtain a copy of your data in a structured, machine-readable format (if applicable under GDPR).
To exercise your rights, please contact us through the channels listed below.
6. Cookies and Tracking Technologies
We use cookies and similar technologies to improve your experience on our site. You may disable cookies in your browser settings, but some services may not function properly without them.
7. Third-Party Links
Our platform may contain links to third-party websites or services. These entities have their own privacy policies and we are not responsible for their practices.
8. Policy Updates
We may update this Privacy Policy from time to time. Significant changes will be announced on our platform. Continued use of the Platform after updates constitutes your agreement to the revised policy.