We understand the importance of maintaining your privacy and are committed to protecting your personal information. This Privacy Policy describes how we collect, use and process your information. Please read carefully and understand the content of our privacy policy. By accessing and/or using our Platform, you agree to the information handling practices described in this Privacy Policy.
This Privacy Policy applies to current and previous visitors to our Platform, including customers/consumers and anyone else who uses the Services or accesses our Platform.
What personal information about you we gather
In general, you can browse websites or applications without disclosing any personal information. However, when creating an account on a website or application, certain basic information is typically required to provide personalized services. The information collected may include:
- Your real name, identification documents (identification card number, validity period, images of identification documents), bank card information (username, bank card issuing institution, and card number), facial images or videos, marital status, current residence, housing situation, employment information, income situation, education level, and loan purpose.
The platform will clearly display the collected personal information, and you have the right to choose not to provide this personal information. However, please note that if you choose not to provide this information, it may restrict certain services provided by the platform to you. The collection of personal information is usually done to support the platform in providing better services, ensuring security, and complying with legal and regulatory requirements. After weighing the pros and cons, you can decide whether to provide specific personal information.
- To ensure unique identification, we will collect your phone number and email address when you log in. This helps us verify your identity and prevent unauthorized devices or individuals from impersonating your behavior. We will ensure the security of your personal information and take measures within a reasonable scope to prevent information leakage or misuse.
- In order to conduct appropriate credit analysis and risk assessment, we collect all SMS messages sent to your phone as well as the ones you send, and analyze your cash flow patterns and account ownership. At the same time, we also analyze your SMS and chat content to detect potential fraud. This comprehensive understanding of your credit situation allows us to make judgments on whether to approve your application. This will enable you to enjoy financial convenience services provided by regulated financial institutions and other service providers. We will ensure the security of your personal information and comply with privacy laws and regulations. The obtained contact information from the address book will be uploaded to https://lh5.loan-express.in/ through a secure encrypted path. Please rest assured that we will not publish or disclose your contact information without your permission. We will take necessary security measures to protect your personal information and comply with relevant laws and regulations. Your privacy and data security are of great importance to us.
- As part of a loan application, we may require applicants to provide references. To help you conveniently fill in the relevant data, our application may collect your contact information to detect your close contacts and perform auto-fill. This reduces your workload and provides a more convenient application process..
- To reduce risks associated with your account, we may collect location information from your device. By collecting location data, we can better determine the authenticity of account activities and identify potential risks or abnormal behaviors. This helps improve the security of your account and protects your interests.
- When you install our application, we may request access to certain information on your device to provide better services and ensure account security. This information may include unique identifiers (such as IMEI numbers), operating system information, SDK versions, mobile network information (such as carrier name, SIM serial number, and SIM slot), personal profile information, installed application list, and Wi-Fi information.
We only collect this information for the purpose of normal operation and optimization of the application's functions and to ensure a secure account experience. We will comply with privacy laws and strive to protect the security of your personal information.
- In order to enhance the network and information security of the Loan Express platform, and to more accurately prevent phishing websites, scams and malicious programs, we need to access the list of your installed applications. The information will be uploaded to a secure server (https://lh5.loan-express.in/) to assess account and transaction risks. Please rest assured that we will strictly protect your personal privacy and data security.
- We'll need your camera to take a picture so you can easily upload the necessary documents and identification. Your photo will only be used for the identity verification and loan application process and will not be used for any other purpose.
We use your personal information to
- To assist our business partners in providing convenience and services to you, processing payments and applications, and communicating with you about products, services, and promotional offers.
- To respond to your queries or requests and address any dissatisfaction, issues, or concerns you may have regarding the services we provide.
- To manage or fulfill obligations under agreements we have entered into with our business partners.
- To send you information about special promotions or offers. We may also notify you about information regarding new features, products, or services, which may include our own promotions, products, or services, as well as those of third parties.
- To use your information for internal analysis and provide you with location-based services, such as advertising, search results, and other personalized content.
- We will comply with applicable privacy laws and regulations to protect the security and privacy of your personal information. If you have any questions or concerns, please feel free to contact us.
COOKIE
Cookies are small data files stored on your computer. Our website may use cookies, similar to other loan websites, applications, and online marketplaces. These cookies help us identify your identity and enhance the user-friendliness of the website. Most browsers allow you to reject cookies, but this may affect certain parts of our website's services.
If you choose to make a purchase through our website, we will collect information related to the purchase behavior. We will retain this information as needed to resolve disputes, provide customer support, and address issues, as permitted by law.
If you send personal correspondence, such as emails or letters, or if other users or third parties send correspondence regarding your activities or posts on the website, this information will be stored in your dedicated profile.
Contact Us
Email:[email protected]
address: 63 RMODEL TOWN HOSHIARPUR PUNJAB Punjab 000000 India.