Privacy Policy
We understand the importance of safeguarding your confidential data. Thus, we have created this Privacy Policy to provide you with the principles we utilize for managing data on our mobile app “Flower loan-online loan”. Please read this section carefully before using our App. Accessing and utilizing our application confirms that you consent to our Privacy Policy.
1. What Kind of Information Do We Collect
We accumulate both personally identifiable information (PII) and non-personally identifiable information from you.
The personally identifiable data allow us to recognize you as an individual. You provide us with this information once you start submitting requests for a loan. The said info may contain but is not limited to:
A.SMS
Why we request your device SMS data
Flower loan-online loan will read the SMS information in your device to measure the user’s credibility and discover and analyze potential fraud and risks.
What you can do
You can choose to refuse the authorization, which will not affect your continued application for loans on the APP.
Data safety
Your SMS data will be encrypted and transmitted to https://www.flowerloan.info. After analysis, we will permanently delete the SMS data. We will not share your SMS data with any third party.
For the collection of your SMS data, it will only be read after you authorize us to obtain the 'READ_SMS' permission in your device. Flower loan-online loan will not read and collect your SMS data when the app is closed or not in use.
B.PHONE STATE
Flower loan-online loan require phone state access so that we can ensure that no unauthorized device acts on your behalf to prevent frauds. we will collects and monitors specific information about your device including your hardware model, build model, RAM, storage; unique device identifiers like IMEI, serial number, SSAID; SIM information that includes network operator, line1Number, roaming state, MNC and MCC codes, WIFI information that includes MAC address and mobile network information to uniquely identify the devices. This also helps us in enriching your credit profile and assessing your credit worthiness.
C.LISTE DES APPLICATIONS
Why we request your device APP list data
We querying for specific apps that satisfy our app\'s manifest declaration on your device. These specific apps will help us to know if your device has apps installed with related features such as fraud or cloning (e.g. fake location information, cloned email id and contact information). So that we can judge the authenticity of your information and make a correct judgment on your credit risk.
What you can do
You can choose to refuse the authorization, which will not affect your continued application for loans on the APP.
what data we will collect
We will collect basic information such as the name, version number and package name of the applications installed on the user's device.
Data safety
This limited app information will collects and transmits to Flower loan-online loan servers https://www.flowerloan.info. Flower loan-online loan will not read and collect your data when the app is closed or not in use.. Flower loan-online loan will never share data to any third party. The collection will only be done if you agree to the authorization.
· Your (the user) full name;
· The official place of residence;
· Date of birth;
· Mobile and stationary phone numbers;
· Driver license;
· Relevant employment details;
· Military status;
· Social security number (SSN);
· Earnings, banking account, and credit history;
Not-personally identifiable information is all that does not reveal anything about your identity directly. This data is anonymous and may contain but is not limited to IP address, browser language, internet providers, time of browsing sessions, clicks, and any links you have followed. This type of data is collected through the use of cookies, web beacons, and pixel tags.
2. Why We Collect This Information
Gathering private data from our app users is essential for managing our mobile application, enhancing technological support, and conducting marketing analysis. This information is also required to process your (the user's) loan application and link you with one of our lenders.
3. How We Share Your Personally Identifiable Data
Supplying your privately identifiable data allows us to process your application and link you with a lender. That implies that we maintain the privilege to convey these details to a third party. That is necessary, as a lender can not endorse your loan without understanding anything regarding you and your situation.
We hold the right to share your details with another party that has acquired our mobile application, a portion of it, or combined with us. In the possibility of such a case, we may notify you of these changes via email or by publicizing a notification on our app. We may also transfer your
personally identifiable information if it is required by law and required to proceed with a legal procedure or to safeguard our privileges.
4. How Do We Share Your Non-Personally Identifiable Data
By gathering and transferring your non-personally identifiable details with third parties, we enhance our tech services, review the user's consumer behavior and collect the App statistics necessary for the management of our company. In addition, we may communicate it with other parties for these specified objectives.
5. Links Provided by Third Parties
When you are browsing our mobile app, you may come upon links leading to third parties websites or applications. All these links are given to you only as a reference. You click and visit them of your own choice. We do not oversee these websites or apps. Thus, we can not and won't be held responsible for their content, privacy guidelines, terms, and procedures, as their management is well beyond our responsibilities and authority.
6. Marketing Approaches
By accessing our mobile app, you acknowledge that you understand and have read and conform to our marketing techniques. You have nothing against getting promotions, marketing messages and emails, newsletters, and other promotional materials from us.
Note that our third-party associates may also send you their marketing campaign messages utilizing all the agreements you have supplied us with.
Once you start using our phone applications, you ensure that you are entirely aware of our marketing approaches and agree to receive such notifications and messages from our third-party associates and us. If you wish to opt out of third parties contacting you, you should reach them directly via email with the same appeal.Please take into consideration that we are not accountable for the marketing methods of our partners, as we do not control their policies and procedures.
7.How We Safeguard Your Information
Despite our best exertions, we can not assure the complete safety of your data. That is impossible due to the sheer fact that we are not able to control law violators even with the best of our efforts.
8. Notice About The Children
Our applications deliver services exclusively to individuals over the age of 18. If you are a minor, kindly avoid the usage of our mobile app. As seen above, we do not intentionally collect data from underage people. If you are a parent or a legal guardian of a minor who has accessed our phone app and services, please notify us about the happening by using our contact details.
9. Changes in the Privacy Guidelines
Our company reserves the complete privileges to check, revise and update this Privacy Policy when applicable. We can modify, alter or revamp the Privacy Guideline without prior notice. For this reason, we urge you to check and read this section every now and then as changes may be enforced. If you continue accessing our mobile app after we have modified the Privacy Policies, then it will mean that you consent and are aware of the modifications.
10. How You Can Contact Us
If there is a situation or something you would like to relay to us, please contact us by email.
Company Name:Flower Credit Technology LLC
company address:RHKW+KKJ, A004, Dodoma, Tanzania
Telephone:+255 0764915941
Mail: FlowerloanTanzaniaservice@outlook.com