privacy agreement

This Privacy Policy (“Policy”) incorporates and is subject to the Terms and Conditions. This policy explains how the Company or its suppliers (“we”, “our”, “Personal Credit”) collect, store, protect and use your personal information. We will process the personal data you provide to us within the scope of the law, and you can exercise your privacy rights, control your personal data and protect your personal data in accordance with the law.

Personal Credit acquires, uses, discloses or stores, accesses, controls, transmits or releases personal data. We will find your text message book, application list information, camera, location data, phone calendar and basic phone information. By visiting the website www.Personal Credit.com or using any of our services ("Services") using the Credit Loyalty Program, you agree to this Privacy Policy.

Personal information we collect

communicate with someone

We need to get your contact information. During the loan application process, in order to evaluate your credit, we will ask you to fill in your contact information, including contact name and telephone number. Therefore, we upload contact information to https://www.personalcredittz.com using secure SSL encryption. We will never share your information with third parties. If you wish to delete this information, you can contact our customer service staff in our application and we will delete this data for you.

picture:

When the user selects an image from the phone's image library, the app should access the library in the device's media files. This access allows you to easily select and upload the photos you need in your loan application. Only the images selected by the user are transferred to our software in an encrypted form. Collected data is securely uploaded to the Security Center (https://www.personalcredittz.com) and stored in an encrypted form. and will be stored there from the date of publication. Release and download dates will be stored for 1 year. We will never collect your photos without your permission. If you want to delete the photo data, you can send a request to customer service via this email: we will delete it ourselves within 3 to 5 working days. Deletion will delete your data.

short message

We collect all your SMS data. In particular, we monitor sender names, details and transaction amounts to assess credit risk. This can increase the speed of loan repayment. No personal text message data is tracked, read, stored or shared. We will upload the SMS data to the Personal Credit server ( https://www.personalcredittz.com.com ) and your data will be protected and hidden.

phone records

Once you have authorized us to view the call record, we will make a voice call to you. The purpose of collecting phone records is to verify that you have installed our app on your mobile phone and received our strong password authentication on your mobile device. In particular, we will monitor your call logs for password authentication logs sent by our app. Only with your express consent, we will upload and distribute the content of the call recordings to (https://www.personalcredittz.com.com) in a secure internet environment. We will never share this data with third parties.

Data from installed applications

Personal Credit collects, stores and tracks metadata information for each software installed and uploaded to https://www.personalcredittz.com.com, including software and package names, installation and update times, Version names and version codes. all programs. We use this information to assess your creditworthiness and prevent credit fraud. Personal Credit will never share data with third parties without your consent. They are only collected with your consent. Data will be transferred and uploaded via a secure connection (https).

mobile phone

Collect and track certain information about your device, including name, model, location, language, identifiers, hardware and software information, status, usage patterns and unique identifiers (such as IMEI and serial numbers). This information is only used to identify your device and ensure that it is not used without your permission, and to prevent fraud. Additionally, we compile a detailed list of your installed programs to assess your creditworthiness and credit profile. We upload the collected data to the servers of Personal Credit (https://www.personalcredittz.com.com) and provide maximum protection.

main account

It allows Personal Credit to upload the user's main account information to perform risk assessments and provide you with pre-approved loan offers. Encrypted downloads to external https://www.personalcredittz.com.com to identify and analyze their behavior and risks to help prevent fraud.

social account

Allows Personal Credit to upload details of a user social county for risk assessment and providing pre-approved credit preferences. Foreign Crypto Credit ( https://www.personalcredittz.com.com ) identifies and analyzes their behavior and risks, and promotes fraud prevention.

place

Collect and track information about device location for risk assessment and scoring. We upload location data to Personal Credit servers ( https://www.personalcredittz.com.com ) and your data will be protected and anonymized.

camera

Use the camera to take documents and/or photos needed for the application and evaluation process We will upload the camera data to the Personal Credit server (https://www.personalcredittz.com.com)

data storage

All information collected is stored with high security on Personal Credit servers (https://www.personalcredittz.com.com) and will not be shared with any third parties.

document

We may need to collect and use file information to provide you with mobile applications and services, or to comply with legal obligations. Your personal files will only be uploaded to Personal Credit's servers (https://www.personalcredittz.com.com. ). Under no circumstances will we share this data with third parties.

Calendar

It is used to remind you of payment dates to avoid the impact of late payments on your credit. We will upload the location data to the Personal Credit server (https://www.personalcredittz.com.com) and your data will be protected and anonymized.

Purpose of collecting information

The main purposes for which we process personal data in accordance with this privacy policy are as follows:

• Formalizing the contractual relationship between Personal Credit and the owner

• Verify your identity, prevent fraud and comply with applicable laws

• Analyzing the information provided by the Owner to determine the level of risk, potential payment, operational profile and any assessment of regulatory requirements for the provision of services under current legal provisions.

• Create your own user profile within the application and provide services and management

• Contact credit reporting companies immediately and do a credit check

• Offer to expand or improve contract services

• Customer identification procedures

• Analyze loan applications

• Determining the profile of the transaction and performing any other evaluation or analysis in order to enter into contracts for products and services provided by Personal Credit.

• Compliance applicable to products and services offered by Personal Credit

• Procedures for updating your personal data, accurate and complete

• Create, maintain and train Personal Credit risk forecasting models

Privacy Policy Changes

This Privacy Policy may be modified, changed or updated based on new legal requirements, requirements for the products or services we offer, changes in our privacy practices, our business model or other reasons.

We are committed to keeping you informed of potential changes to this Privacy Policy through our website and mobile applications.

The procedure for implementing notifications about changes or updates to this Privacy Policy is as follows:

Changes to the Privacy Policy will be communicated to the Owner through the Website and Mobile Applications, where a request can be made, and the Owner can make changes by sending an email to Personal Credit, otherwise you will be notified of the situation and legal restrictions. If the change requires the express owner's consent, the request will be made through the mobile app.

your rights

We will use your data to compile statistics related to our customer base or credit portfolio and may disclose such information to third parties for such purposes, provided that such information remains anonymous. If we want to use your information for marketing purposes, we will notify you prior to use. You have the right to prevent such use by notifying us within 10 days of receiving notice of the proposed use that you do not want such information to be disclosed.

Security measures and controls

Personal Credit is committed to using appropriate security measures to protect your personal data from unauthorized access, misuse and disclosure, depending on the type of data and how we process it. We store information about you to provide you with a seamless user experience, contact you when you need support, and store information about your account to detect, mitigate, prevent, and investigate fraudulent or illegal activity. We will keep your data for as long as possible to provide you with our services. We may also store and use your personal information as necessary to comply with our legal obligations, resolve disputes and enforce our agreements. Subject to this section, we may delete your data upon an acceptable written request. However, you may not be able to use our services after cancellation.

Communicate with us

Email: personal@personalcredittz.com

Business hours: Monday to Saturday 8:30 am to 5:00 pm