We, "" ("we" or "the Company"), highly value your privacy. This Privacy Policy explains why we collect your information, how we use it, how it is stored and transferred, and with whom it may be shared.
By downloading and using our application "" (the "Application"), you confirm that you have read, understood, and agreed to the terms of this Privacy Policy, and consent to our collection, use, storage, processing, and disclosure of your personal data in accordance with this policy.
1. Personally Identifiable Information
This includes your name, identification number, phone number, residential address, employment information, etc., which are used to assist users in applying for loans.
2. Contact Information
When using "" to apply for a loan, you are required to select emergency contact information (including phone number, name, and relationship) from your address book. This is used to prevent fraud, assess creditworthiness, and ensure smooth communication.
The collected data is securely uploaded to (), stored in encrypted form, and will not be shared with third parties.
"" does not access your full contact list and only collects the emergency contacts you explicitly select. We respect your privacy and will not proactively contact your emergency contacts as long as we can reach you directly.
3. Social Account Information
When applying for a loan, we may collect your social account information (such as mobile number, LINE account, etc.) to verify your identity and communicate with you. This data is encrypted and stored at () and will not be shared with third parties.
4. SMS Data
With your consent, we may access SMS messages stored on your device, including sender number, timestamp, content, and status.
However, we only collect and process messages related to financial activities (such as OTP verification codes or bank notifications) to assess financial behavior, determine eligibility, and prevent fraud.
We do not store or transmit your full personal SMS content and will not use this data for any purposes other than those stated above.
5. Location Information
We collect approximate location data to detect unusual login activity, prevent fraud, and assist in credit evaluation.
6. Camera Permission
Certain features require facial recognition and photo uploads. Therefore, camera access is required to capture images and facial data during the loan process. This is only used while the app is in operation.
7. Image Data
When using features that require image uploads, users may upload selected images. This helps customer support better understand issues or allows users to upload payment proofs.
We do not access your photo gallery without permission. Only selected images are uploaded, encrypted, and stored at ().
8. Financial Information
We may request your bank account details to verify your credit information and process transactions where applicable.
9. Google Advertising ID (GAID)
We may collect your GAID for advertising tracking and financial product recommendations.
10. Installed Applications
We may collect information about applications installed on your device (such as app name, install/update time, and version) to detect potential malware and prevent fraud.
We do not collect all installed apps-only necessary data is filtered and collected. This information is encrypted, stored at (), and not shared with third parties.
11. App Interaction Data
We collect data on how you interact with the app (e.g., page visits, clicks) for fraud prevention, security, and compliance purposes.
This includes detecting failed login attempts and suspicious activities. The data is encrypted, stored securely, and not shared with third parties.
We collect your data for the following purposes:
1. To verify your identity and ensure account security
2. To assess potential risks
3. To process loan applications and ensure secure transactions
4. To improve and develop our application and services
We use your personal data to fulfill your requests and perform our contractual obligations.
We may use your contact information to respond to inquiries and provide customer support or requested services.
If you use the Application to share content with others, we may use recipient contact details solely to deliver that service and not for any other purposes.
We also use aggregated data for legitimate business purposes, such as improving our services, analyzing usage trends, and providing recommendations.
All data you provide is stored securely on our servers ().
You are responsible for keeping your password confidential. We recommend changing it regularly.
We retain your personal data as long as your account remains active.
If you no longer wish to use our services, you may request account deletion via email ().
Your account will be deleted after verification. We may also delete inactive accounts and associated data after a certain period.
Before deleting your account, ensure all outstanding loans are fully repaid. You may perform account deletion via the app or official website.
We implement agreements with third parties and apply security measures to prevent unauthorized access, misuse, or alteration of your data.
Your personal data is protected through both online and offline safeguards, including firewalls, passwords, and restricted access.
While we follow industry-standard practices, no system can guarantee absolute security. In case of a data breach, we will notify you as required by law without undue delay.
We may update this Privacy Policy from time to time.
If significant changes are made, we will notify you via the app or other means (e.g., email).
Continued use of our services after notification constitutes acceptance of the updated policy.
We encourage you to review this policy periodically.
If you have any questions regarding this Privacy Policy, please contact us:
Our customer service team will make every effort to respond promptly and provide reliable support.
Thank you for your trust and understanding.