1. Introduction
Thank you for using this Loan Advisory App Apex Credit (hereinafter referred to as "the App"). We are committed to protecting your personal privacy and pledge to use your personal information solely for the loan advisory and credit assessment services provided by this App. Please read this Privacy Policy carefully to understand how we collect, use, store, and protect your personal information.
2. Description of the App's Services
This App is a tool that provides loan advisory services only and does not involve any actual loan products or funding services. By analyzing your credit status, personal information, and related data, we provide personalized loan advice to help you better understand your loan options. We do not directly provide loan services or participate in the loan approval process.
3. Types of Personal Information We Collect
When you use this App, we may collect the following types of personal information:
1) Identity Verification Information:
To complete the KYC (Know Your Customer) verification process, you are required to upload the following documents:
Face Photo: For identity verification and anti-fraud detection.
ID Card Photo: To verify your identity and ensure your information security.
2) Personal Information:
Name, gender, date of birth, contact details (e.g., mobile phone number, email address).
Residential address, employer details, income status, etc.
3) Survey Information:
During the KYC process and subsequent services, you may need to fill out some surveys to help us provide more personalized loan advice.
4) Device Information:
We may collect information about your device model, operating system version, IP address, device identifier, location data, etc., in order to optimize our services.
4. How We Use Your Personal Information
We collect your personal information to provide and improve our services, including but not limited to:
1) Identity Verification and KYC:
By collecting and verifying your identity information, we can provide personalized loan advice and ensure the authenticity of the loan recommendations.
2) Personalized Services:
Based on your personal information and credit status, we offer tailored loan product suggestions, though this App does not provide loan approval or funding services.
3) Data Analysis and Optimization:
We analyze your data to enhance the functionality of the App, improve user experience, and provide more accurate loan advice.
4) Security Protection:
We ensure the security of your account to prevent identity theft and other security threats.
5. How We Protect Your Personal Information
We will take appropriate technical and administrative measures to protect your personal information from unauthorized access, disclosure, modification, or deletion. These measures include data encryption, access control, etc. However, please note that security measures in the online environment cannot fully guarantee the security of your data.
6. Information Sharing
We will not sell or rent your personal information to third parties. However, in the following cases, your information may be shared with third parties:
1) Legal Requirements:
We may need to provide your information to legal, regulatory, or government authorities when required by law.
2) Service Providers:
To support our services, we may share necessary information with trusted service providers. These providers are required to adhere to confidentiality agreements and use your data solely for the purpose of providing services.
3) Business Transfer:
If this App undergoes a merger, acquisition, or asset transfer, your information may be transferred as part of the assets.
7. User Rights
Under applicable privacy laws, you have the following rights:
1) Right to Access:
You have the right to request access to the personal information we hold about you.
2) Right to Correct:
You have the right to request that we correct any inaccurate personal information.
3) Right to Delete:
In certain cases, you have the right to request the deletion of your personal information.
4) Right to Withdraw Consent:
You can withdraw your consent to our use of your personal information at any time.
8. Third-Party Links
This App may contain links to other websites or applications. We are not responsible for the privacy policies of these third-party sites or applications, and we recommend that you review their privacy policies before use.
9. Privacy of Minors
This App does not collect personal information from individuals under the age of 18. If we discover that a minor has provided us with personal information, we will delete such information as soon as possible.
10. Updates to Privacy Policy
We reserve the right to modify this Privacy Policy at any time. Any updates will be posted within the App and take effect immediately. Please review this Privacy Policy regularly to stay informed of any changes.
11. Contact Us
If you have any questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at Email: .
