Welcome to the Kash Loan Ultra Privacy Agreement. This APP is developed by Credpay Fintech Limited. Please read the following privacy agreement carefully. Please note that this privacy agreement only applies to Kash Loan Ultra
We will provide you with Personal loan Apply for a loan through your credit,Meet daily needs.
This privacy policy has been compiled to better serve those who are concerned with how their “Personally Identifiable Information” (PII) is being used online. PII is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. By visiting Kash Loan Ultra, also referred to “our site”, you are accepting the practices described in this policy. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website and app.
Information collected whenever you use the App or visit our Website:
Personal information:
Content to be Obtained: We will obtain the name, ID number, contact information, bank card information, etc. that you actively fill in.
Purpose: It is used for identity verification to ensure your identity is true and valid for the loan application review process; to verify your repayment ability and credit status, so as to match you with appropriate loan amounts and plans; to ensure transaction security, prevent fraud, We will match your bvn number with the bank card you provided to further verify that it is you who is doing the operation and ensure the safety of your funds.
Usage Specification: We strictly abide by relevant laws and regulations, encrypt and store and transmit your personal information, We will never disclose it to third parties.The information will be uploaded to a dedicated server in an encrypted manner: https://apiwwl.credpayfintech.cc
Location :
Content to be Obtained: Based on your device, we obtain your approximate geographical location information.
Purpose: It helps us provide you with localized financial service recommendations, such as preferential loan products in specific regions; According to local financial policies, loans are not provided to non-local users. at the same time, when conducting risk assessment, it assists in judging the stability of your permanent residence to more accurately assess your credit risk.
Usage Specification: You can turn off the location permission in the device settings at any time. Turning it off may affect the experience of some localized services, but it will not affect the core loan business functions. The information will be uploaded to a dedicated server in an encrypted manner: https://apiwwl.credpayfintech.cc
Camera：
Content to be Obtained: Invoke the camera function of your device.
Purpose: It is convenient for you to take pictures of relevant documents such as ID cards and bank cards for the submission of loan application materials, simplifying the information entry process; in some cases, it may be used for face recognition verification to enhance account security and confirm that the operator is yourself.
Usage Specification: The camera permission is only invoked when you actively use the relevant shooting function. We will not turn on the camera without your knowledge. The information will be uploaded to a dedicated server in an encrypted manner: https://apiwwl.credpayfintech.cc
Calendar：
Content to be Obtained: Read the schedule information in your device calendar.
Purpose: Provide you with a repayment reminder service, add important matters such as loan repayment dates to your calendar schedule to ensure that you do not miss the repayment time and avoid the adverse effects of overdue repayment.
Usage Specification: We only read the necessary information related to repayment reminders and will not obtain other private content in your calendar. You can turn off the calendar reminder function in the APP settings at any time. After turning it off, no repayment reminders will be pushed to you through the calendar.The information will be uploaded to a dedicated server in an encrypted manner: https://apiwwl.credpayfintech.cc
App List：
Content to be Obtained: Read the information of the installed app list on your device，We only obtain information about some apps that users actively install. We will not take action on native system apps.
Purpose: Assist in risk assessment, judge whether there are risk software or malware that do not meet current market standards among the apps you have installed. These insecure apps can threaten your data and financial security. We will also assist in analyzing your credit.If it exists, it will affect your loan approval
Usage Specification: We only conduct statistical analysis on the app list and will not obtain the specific data within your other apps. At the same time, we strictly abide by the privacy policy and encrypt and properly store the obtained information.The information will be uploaded to a dedicated server in an encrypted manner: https://apiwwl.credpayfintech.cc
SMS permissions:
Access content: Get some SMS content received by the user's device in the past 6 months.
Purpose: Reading SMS is mainly used to analyze the user's verification code filling situation and simplify the operation steps in the registration, login, loan application and other processes; at the same time, analyze the user's financial habits and combine local financial policies to provide you with customized loan products suitable for you to ensure that it will not bring greater repayment pressure to users.
Usage specifications: We will not read SMS content that is not related to APP services, and users can refuse APP to obtain SMS permissions at any time. The information will be uploaded to a dedicated server in an encrypted manner: https://apiwwl.credpayfintech.cc
Contact：
Content to be Obtained: Read the contact information in your device address book.
Purpose: In order to facilitate the return visit to loan users and verify the authenticity of users, we will periodically select users for telephone return visit;at the same time, when conducting loan application review, it is used to assist in verifying the authenticity and stability of your identity information.
Usage Specification: We only use your contact information when permitted by laws and regulations and when necessary. We will not casually disclose the details of your loan to your contacts. You can choose whether to authorize the reading of contact information in the APP settings. The information will be uploaded to a dedicated server in an encrypted manner: https://apiwwl.credpayfintech.cc
Device：
Content to be Obtained: Obtain device information such as device model, operating system version, and device identification code (such as IMEI).
Purpose: It is used to adapt to different devices, optimize the performance and compatibility of the APP, ensuring that you can use all functions of the APP smoothly; at the same time, the device identification code can be used to uniquely identify your device, safeguard account security, and prevent malicious logins and other security risks.
Usage Specification: We use device information for internal technical optimization and security protection purposes and will not associate it with your personal sensitive information for other unauthorized purposes. During your use of the APP, device information will be transmitted and stored in an encrypted state.The information will be uploaded to a dedicated server in an encrypted manner: https://apiwwl.credpayfintech.cc
We attach great importance to data security and have adopted a series of strict physical, technical, and administrative measures to protect your personal data. These measures are designed to prevent unauthorized access, use, disclosure, tampering, or destruction of your data. Our systems are equipped with firewalls, encryption technologies, access control mechanisms, etc., to ensure the security of your data during transmission and storage. Additionally, we train our employees on data security and require them to strictly abide by confidentiality obligations to prevent internal misuse of your data.
You have the following rights regarding your personal data:
You have the right to access the personal data we hold about you at any time and understand how we process your data. You can submit an access request through the customer service channels we provide, and we will respond and provide the relevant data within a reasonable time.
If you find that the personal data we hold about you is incorrect or inaccurate, you have the right to request us to rectify it. You can submit a rectification application to us and provide necessary supporting materials. We will verify and correct the data in a timely manner.
Under circumstances compliant with laws and regulations, you have the right to request us to erase your personal data. For example, when we no longer need your data for the original collection purpose, or when you withdraw your consent to data processing, etc., you can submit an erasure request to us, and we will handle it in accordance with the regulations.
You have the right to request us to restrict the processing of your personal data in certain specific situations. For instance, when you raise an objection to the accuracy of the data, during the verification period, you can request us to restrict further processing of the data.
You have the right to obtain the personal data you provided to us and request us to provide it to you in a structured, commonly used format, so that you can transfer these data to other data controllers, provided that it complies with laws and regulations and is technically feasible.
We only retain your personal data for the period necessary to achieve the purposes described in this privacy policy, while also considering legal and regulatory requirements and the actual needs of the business. When determining the data retention period, we will comprehensively consider factors such as the contract performance period of the loan business, the statute of limitations for potential legal disputes, and the requirements of regulatory authorities. When your personal data is no longer needed for the above purposes, we will delete or anonymize it in accordance with the prescribed procedures to ensure that the data can no longer be used to identify you.
Our services may contain links to third - party websites or services. Please note that these third - party websites or services have their own independent privacy policies, and we are not responsible for their content and privacy practices. When you click on these links, you will leave our platform and enter the third - party's website or service. We recommend that you carefully read their privacy policies when accessing third - party websites or services to understand how they collect, use, and protect your data.
Our services are not intended for children, and we do not intentionally collect children's personal data. If we discover that we have accidentally collected children's personal data, we will immediately take measures to delete such data. If you believe that we may have mistakenly collected children's personal data, please contact us in a timely manner, and we will handle it as soon as possible.
We may change this privacy policy due to changes in laws and regulations, business development needs, or other reasonable reasons. The revised privacy policy will be published on our website or service platform and will take effect upon publication. If the changes involve significant changes to the way we process your personal data, we will notify you through appropriate means, such as sending an email, push notification, or providing a prominent notice on the platform. After the changes take effect, your continued use of our services indicates that you consent to the revised privacy policy.
Contact
If there are any questions regarding this privacy policy, you may contact us using the website form or using the information below.
Email:credpayfintech453@gmail.com