Personal Data Collection and Disclosure Policy
Chapaa Loan is committed to protecting and respecting your privacy. To assess your eligibility and facilitate faster disbursal of your loan, we need the permissions below:
INSTALLED APPS
Purpose of Permission: Ensure that you do not have apps that are not trusted by Google or virus apps installed on your phone, as these may affect the security of your money. We need to identify and analyze your risk level to process the loan and help prevent fraud.
Type of Data Collected: We collect a list of the installed applications' metadata information, which includes the application name, package name, installed time, updated time, version name, and version code of each installed application.
Security of Data: We will upload the collected data to our server (https://www.malucidiasunba.cc) with high-level protection. We never share data with third parties without your permission.
SMS
Purpose of Permission: We collect all your SMS data but only monitor your messages related to financial transactions. Specifically, we will monitor the name of the sender, the description, and the amount of the transaction to perform a credit risk assessment. This enables faster and quicker loan disbursal. No personal SMS data is monitored, read, stored, or shared.
Security of Data: We will upload SMS data to the Chapaa Loan server (https://www.malucidiasunba.cc) with high-level protection and will not be shared with any third party.
MOBILE PHONE (DEVICE)
Purpose of Permission: Collect and monitor specific information about your device, including your device name, model, region and language settings, device identification code, device hardware and software information, status usage habits, unique device identifiers like IMEI and serial number to uniquely identify the device and ensure that unauthorized devices are not acting on your behalf to prevent fraud. In addition, we will collect your installed application detailed list to assess your borrowing propensity and your debt situation.
Security of Data: We will upload the collected data to the Chapaa Loan server (https://www.malucidiasunba.cc) with high-level protection.