Privacy Policy

Personal Identity Information

To ensure the authenticity and reliability of the information collected, we need to obtain key information such as your ID number, mobile phone number, debit card information, email address, birthday, and home address to complete the necessary identity verification and information confirmation. This information is not only crucial for protecting your rights and account security, but also effectively prevents risks such as identity fraud and misuse. We will strictly comply with relevant laws and regulations and our privacy policy, properly store and manage your personal information, and implement reasonable technical and management measures to prevent information leakage, misuse, and damage. We would like to reiterate that the data collected is solely for the purpose of your loan application process and will not be provided to any third party other than your application institution, nor will it be sold or disclosed.

Contact List Information

When you apply for a loan through the EasyRupee loan app, we need to select emergency contact information (including phone numbers, names, and relationships) from your address book to verify your identity and complete a risk assessment. During this process, we do not gain full access to your address book; you are required to select the relevant contacts in your address book as emergency contacts. This information helps us effectively prevent fraud, verify your credit rating, and ensure smooth subsequent communication. We strictly protect your privacy and security. The collected information is securely uploaded to the https://rgemc.graphstampteam.com/ security center for encrypted storage. This information is only used to assist you with your loan application and will not be provided to any third party outside of the institution you are applying to, nor will it be sold or disclosed.

Camera Permissions

To provide you with more comprehensive services, we need access to images and related information from your device's camera and photos. Some features (such as photo taking and facial recognition) require the use of your camera. You can only send messages or upload photos through our services if you authorize us to access your camera or photo album. This is done to facilitate features like photo sharing and to enhance your service experience. We will do our utmost to protect your privacy and photo security and will never misuse your personal information.

Device Information

This includes but is not limited to phone brand, Android ID, operating system version, and device type. This information is used for device identification, fraud prevention, risk control verification, and to ensure the proper functioning of the app.

Financial Information

To accurately assess your credit score, we need to collect your financial data, including but not limited to income, debt, assets, and credit card numbers. This information allows us to more accurately assess your creditworthiness and potential risk, ensuring safe, reliable, and accurate loan issuance.

Image Information

When users use features that require uploading images (such as uploading a payment receipt or contacting customer service), we need to obtain the image information they choose to upload, including image resolution. We require that you grant EasyRupee access to your photo album. This data will be encrypted and uploaded to our security center at https://rgemc.graphstampteam.com/ to protect your data.

Social Media Account Information

To facilitate contact with you, we need to collect information related to your social media accounts, such as your WhatsApp ID and email address.

GAID

We collect GAID (a non-permanent device identifier used for ad delivery and tracking in mobile apps) for the primary purpose of providing you with more targeted advertising services and optimizing our ad creatives. Using GAID, we can better understand your advertising preferences and related behaviors, enabling us to deliver more relevant advertising content.

This Privacy Policy was developed because we understand your concerns about how your personal information is collected and used. We value your trust and are committed to handling your data with care. The primary purposes for collecting information include the following:

• Providing and improving services. By collecting information about your usage habits, feedback, and preferences, we can provide you with more targeted services, continuously optimize app functionality and user experience, and ensure that the app runs smoothly and is tailored to your needs.
• User authentication. Some services require user identity verification to ensure only authorized users can access relevant features. The information collected helps prevent fraud and illegal use.
• Personalized experience. By understanding your needs and interests, we can deliver personalized content and recommendations to you, further enhancing your user experience.
• Service security. We use the collected data to ensure platform security, prevent malicious attacks, data leaks, and other misconduct, and help us monitor and resolve technical issues within the app.
• Compliance and legal requirements. In accordance with applicable laws, regulations, and industry standards, we sometimes need to collect and retain certain information, such as user identity information, to comply with anti-money laundering laws.
• Marketing and promotion. With your consent, we may use your information to recommend relevant products, services, or promotions to enhance your user experience.

We primarily use the information we collect in the following ways:

• User registration and identity verification require you to enter basic personal information such as your name, ID number, and mobile phone number. This information serves as the basis for verifying your identity and facilitates subsequent inquiries and linking with other relevant data.
• Facial recognition or debit card verification uses facial recognition technology or requires you to link a debit card in your name to further verify your true identity, ensure the authenticity and accuracy of your registration information, and prevent identity fraud.
• We develop credit scoring models using collected personal information combined with professional algorithms and models to quantitatively assess your credit risk and ultimately assign a corresponding credit score or risk level.

Regarding account and data deletion, please refer to the following:

1. We will retain your personal information only for as long as necessary to provide our services and in strict compliance with applicable laws and regulations. Once the retention period expires or the information is no longer needed, we will securely delete or anonymize it.
2. Data Deletion Request: If you wish to delete your personal information, you can submit a request through the "Data Deletion" function within the app or by visiting the official data deletion link. Before submitting an application, please confirm that all your loans on the platform have been fully settled. Your data deletion request will be reviewed within two business days. Once approved, please re-enter the app for final confirmation, and your data will be deleted.

We attach great importance to the privacy and safety of minors and have established strict protection mechanisms. This app is intended for adults aged 18 and over. Minors are prohibited from registering, using, or accessing this app in any way.

To ensure compliance and user rights:

• We will not collect, store, or use any personal information of minors without the legal authorization of their parents or guardians.
• If we discover that a user is a minor or has used this app without their guardian's consent, we will take immediate action, including deleting relevant data, canceling their account, and terminating service.
• We recommend that parents and guardians actively monitor their children's online activities, guide them in developing appropriate online habits, and prevent them from accessing inappropriate content and services.
• We implement a variety of technical and management measures (such as data encryption, access control, and content filtering) to ensure a secure and compliant platform environment. We firmly believe that prohibiting minors from using this app is an important measure to protect their privacy and physical and mental well-being.

We understand that updates to our privacy policy are significant to users and data subjects. To provide better service and adapt to business development needs, we reserve the right to update our privacy policy at any time. Whenever changes are made, we will notify you by publishing the new version of our privacy policy. This may be done through reasonable means, such as pop-up notifications, prominently displayed on the website, push notifications in the app, or emails. We promise that any privacy policy updates will not reduce users' existing rights, and we will make every effort to inform users of any changes through reasonable means. The EasyRupee Loan Privacy Policy may also be revised from time to time based on actual needs.