Welcome to Ruppe Go Cash Loan Spot!
To protect your related rights, the "User Privacy Protection Policy" (hereinafter referred to as "this Privacy Policy") will explain to you how Ruppe Go Cash Loan Spot will collect, use and store your personal information and what rights you have. Please use it Before Ruppe Go Cash Loan Spot, read, understand and agree to this privacy policy and related supplementary documents
This privacy policy applies to the functions and services of Ruppe Go Cash Loan Spot products (including the release and display of information, pictures, articles, comments, links, etc.), but does not apply to products or services provided by any other third party (hereinafter collectively referred to as the " Tripartite Services "), you should fully understand the product features and privacy protection policies of third-party services before choosing to use them.
This privacy policy applies to the processing of your personal information based on your authorization before the release of this privacy policy. If you do not agree with this privacy policy, you can stop using our services. If you continue to use our products and / or services, You agree to be bound by this privacy policy. Your disagreement with this privacy policy will not affect the processing of your personal information previously based on your authorization.
We regard user information security and privacy protection as the lifelong mission of enterprise development. We will abide by the following principles to protect your personal information: the principle of consistency of rights and responsibilities, the principle of clear purpose, the principle of choice and consent, the principle of least adequateness, the principle of ensuring security, the principle of subject participation, the principle of openness and transparency. We integrate privacy protection into product design: We integrate laws, products, design and other factors in all aspects of product or service development and integrate the concept of privacy protection. We will do our best to enhance the transparency of information processing and enhance your information management Convenience to protect your information and communication security.
Related definitions:
Ruppe Go Cash Loan Spot: Operated by Ruppe Go Cash Loan Spot ,Inc. and its related entities, it provides search, matching, and recommendation services for financial products for individual consumers, small and micro enterprises, and individual industrial and commercial households through big data analysis, artificial intelligence, and machine learning technologies. , And content services such as financial education and industry reports. The platform also provides professional one-stop risk control services for financial institutions such as banks, consumer finance companies and online small loan companies. Ruppe Go Cash Loan Spot products and services, and Ruppe Go Cash Loan Spot client (including iOS, Android and other application versions).
Individual user: refers to the individual user registered to use Ruppe Go Cash Loan Spot, hereinafter referred to as "you" or "end user".
Personal information: Various types of information recorded electronically or otherwise that can identify the identity of a specific natural person or reflect the activity of a specific natural person, either alone or in combination with other information. Including but not limited to including name, date of birth, identification number, personal biometric information, address, communication contact information, communication records and content, account password, property information, credit information, whereabouts, accommodation information, health and physiological information , Transaction information, etc.
Personal sensitive information: Personal sensitive information refers to personal information that, once leaked, illegally provided or abused, may endanger the safety of people and property, and can easily lead to damage to personal reputation, physical and mental health, or discriminatory treatment. Personal sensitive information includes ID number, personal biometric information, bank account number, communication records and content, property information, credit information, whereabouts, accommodation information, health and physiological information, transaction information, and individuals under the age of 14 (inclusive) Information, etc.
This Privacy Policy mainly explains to you:
How we collect and use information;
How we use cookies and related technologies;
How we entrust the processing, sharing, transfer, and public disclosure of your information;
How we store and protect your information;
Your rights
Minor protection
The scope of this policy;
contact us;
Changes to this policy.
We hope that you read this privacy policy carefully and learn more about how we collect and use information so that you can better understand our services and make appropriate choices.
If you use Ruppe Go Cash Loan Spot products and / or services (hereinafter referred to as "services"), you agree with what we have described in this policy.
If you have questions, please contact us.
How we collect and use information
In the process of using the services below Ruppe Go Cash Loan Spot, we need to collect some of your information in accordance with the principles of legality, legitimacy, and necessity to provide you with services, protect the security of your account, improve the quality of our services, and comply with the country Laws and regulations and regulatory requirements:
1. Registration and login services
When you use the Ruppe Go Cash Loan Spot client for the first time, you need to provide mobile device information, IMEI (International Mobile Equipment Identity), IMSI (International Mobile Subscriber Identity, MAC address, service provider information, network identity to verify your identity Whether it is effective and provides you with the best way to display information to ensure the security of your account. If you refuse to provide this information, you may not be able to use our services normally.
When you register and log in to your Ruppe Go Cash Loan Spot account, you need to provide a mobile phone number, and we will send you a SMS verification code to verify whether your identity is valid or you can log in using "one-click login with your phone number".
If you refuse to provide this information, you may not be able to use some of our services normally.
2. Browse, search, match and recommend financial products
When you use Ruppe Go Cash Loan Spot's browsing, searching, matching, and recommendation services, we will collect your location information (your geographical location at the time) and recommend services that are suitable for your regional location.
The location information is sensitive information. If you refuse to provide this information, you can turn off the positioning function, we will stop collecting this information, and you may not be able to use some of the services related to location information provided by us, but it will not affect your use Other services we provide.
3. Application Services for Financial Products
When you use the financial products recommended by Ruppe Go Cash Loan Spot to apply for services, we may collect or retain your personal information by ourselves or by a third party we cooperate with, and provide it to the service's partners, including:
(1) You take the initiative to fill in or authorize us to obtain detailed application information automatically: real name, ID information, location information, mobile phone number, marital status, current residence, occupation information, income, education, asset status, immediate family members The name and contact information are used for credit related service purposes such as identification, credit verification, risk control management, overdue account management, etc.
(2) Risk feature information that is automatically generated based on technical means such as rules or machine learning. This type of feature information is automatically generated based on anonymization of the following types of information: your historical use information on our products, and mobile device information that you authorize us to obtain (including device hardware information, application software information, application list information, device identification Information) and specific information (including identity verification information, risk identification information, and qualification evaluation information) that you authorize us to obtain from third parties. This information is used by partners for credit-related services such as anti-fraud, credit evaluation, and overdue risk control.
Some of the above information is sensitive information. If you refuse to provide all the above information, you may not be able to use the application services for financial products normally, but it will not affect your use of other services provided by us. (3) We may also collect your mobile phone number and push it to the partner of the service to generate your account information at the partner and complete your financial product application service. If you refuse to refer us to a partner, you may not be able to use the financial product application service normally.
4. Repayment services for financial products
When you use the financial product repayment service provided by Ruppe Go Cash Loan Spot, we and / or third-party payment service providers may collect your personal information, including your name, mobile phone number, repayment bank card number, issuing bank, and repayment date ; And we may obtain your credit approval information, loan contract information, repayment plan information, repayment behavior information, loan overdue information, and performance information from third parties for your identity verification, bank account verification, and repayment Services, bill management, repayment reminders.
The above information is sensitive information. If you refuse to provide all the information, you may not be able to use the financial product repayment service, but it will not affect your use of other services we provide.
5.Mall service
When you use the mall service provided by Ruppe Go Cash Loan Spot, we may collect your personal information, including your name (nickname), phone, address, transaction information, and share it with the mall Operators and suppliers to provide you with goods delivery and delivery services; we may collect your payment card number, account bank, card type, cardholder name, ID number, bank reserved mobile phone number, and Sharing to mall operators and suppliers so that you can pay for product costs.
Some of the above information is sensitive information. If you refuse to provide all the information, you may not be able to use the mall service, but it will not affect your use of other services provided by us.
6. Safety Management
When you use the services provided by Ruppe Go Cash Loan Spot, in order to ensure the safe and stable operation of the service, prevent and control risks, and improve services, our server will automatically collect the service category, method and equipment information, IP address, equipment software version information, equipment that you use Identification code, device identification, log information, Internet records.
The above individual device information and log information cannot identify a specific person. Except for your special authorization or legal situation, we will anonymize and de-identify this type of information.
7. Personalized service
Through the information you have collected legally from some of our services, we may combine the aforementioned personal information from various types of services to be identified and processed for data analysis to form user portraits. Reasonable forms such as push and display provide you with personalized services and products.
If you refuse to use the service, you can turn off or exit the feature, and we will stop providing the service, but it will not affect your use of other services we provide.
8.Third-party SDK
In order to provide you with more professional and core services and technical support, Ruppe Go Cash Loan Spot app accesses multiple third-party software tool development kit SDKs. These third-party SDKs will collect your relevant personal information based on product features, as shown below. When the number of third-party SDKs, the scope of collecting or using personal information changes, we will promptly inform you and obtain your authorization.
advanceSDK, when you use the biometric service, you need to collect your camera permissions, face information, network status, and device information;
facebookSDK, in order to give you timely notifications and avoid missing important information, you need to collect your IMEI, IMSI, MAC address, device information, and location information;
Bugly SDK, in order to count performance data such as APP crashes, in order to better optimize the user experience, your IMEI, IMSI, device information, and IP address information are required;
Algo360 SDK, by combining SMS and other information, reviews the user loan qualifications and performs fraud detection.
9. Other
According to relevant laws and regulations and national standards, we may collect and use your personal information in accordance with the law without obtaining your consent in the following situations:
(1) Related to our performance of our obligations under laws and regulations;
(2) directly related to national security and national defense security;
(3) Those directly related to public safety, public health, and major public interests;
(4) Directly related to crime investigation, prosecution, trial and judgment enforcement;
(5) It is difficult to obtain your own consent in order to protect your or others' life, property, and other important legal rights;
(6) The personal information involved is disclosed to the public by yourself;
(7) Collect personal information from legally disclosed information, such as legal news reports, government information disclosure, and other channels;
(8) Necessary for signing and performing contracts according to your requirements;
(9) Necessary for maintaining the safe and stable operation of the provided services, such as: finding and handling service failures;
(10) Other circumstances required by laws and regulations.
10. Tips
Third-party service providers may provide services to you through Ruppe Go Cash Loan Spot. When you enter the service page of a third-party service provider, please note that related services are provided to you by a third party. When it comes to the third party collecting information from you, it is recommended that you carefully review the third party's privacy policy or agreement.
When we use information for other purposes not specified in this privacy policy, and we use the information collected for specific purposes for other purposes, we will ask your consent in advance. We will also use your personal information in order to continuously improve and optimize the above functions.
How we use cookies and related technologies
When you use the services provided by Ruppe Go Cash Loan Spot, we may use small data files (cookies, Flash cookies) to identify you and provide you with a more personalized user experience and service. Help you save the steps of repeatedly entering the registration and login information, and help judge the security status of your account.
You can also manage cookies through your browser settings. However, please note that if you disable cookies, you may not enjoy the best service experience and some services may not work properly. If you want to know more about the security of cookies.
How we entrust processing, sharing, transfer, and publicly disclosed information
Commission processing
Some specific modules or functions in our services may be provided by external vendors, for example, we will hire service providers to assist us in providing customer support.
We will sign strict confidentiality agreements with companies, organizations and individuals that we entrust to process personal information, requiring them to process personal information in accordance with our requirements, this privacy policy and any other relevant confidentiality and security measures.
2. Sharing, transfer, public disclosure
We will not share, transfer, or publicly disclose your personal information without your explicit authorization, except in the following cases:
(1) It is related to the fulfillment of the obligations provided by laws and regulations by the controller of personal information;
(2) directly related to national security and national defense security;
(3) Those directly related to public safety, public health, and major public interests;
(4) Directly related to crime investigation, prosecution, trial and judgment enforcement;
(5) It is difficult to obtain the authorization and consent of the individual due to safeguarding the important legal rights and interests of the personal information subject or other individuals;
(6) Personal information disclosed by the subject of personal information to the public;
(7) Collecting personal information from legally publicly disclosed information, such as legal news reports, government information disclosure and other channels.
(1) Sharing
1. We may share your personal information with our affiliates. However, we will only share necessary personal information and are subject to the terms of this privacy policy. If our affiliates want to change the purpose of using personal information, they will seek your authorization again.
2. We may share your necessary personal information with third parties such as partners (such as service platforms or service providers, software and hardware / system service providers) to ensure the smooth completion of the services provided to you. However, we will only share your personal information for legal, proper, necessary, specific, and clear purposes, and are subject to the terms of this privacy policy. Our partners are not authorized to use shared personal information for any other purpose.
(2) Transfer
We will not transfer your personal information to any company, organization, or individual, except as follows:
1. Obtain your explicit consent in advance;
2. In the case of asset transfer, acquisition, merger, reorganization or bankruptcy liquidation, if it involves the transfer of personal information, we will inform you of the situation and require new companies and organizations holding your personal information to continue to be subject to this policy. constraint. If we change the purpose of using personal information, we will ask the company or organization to obtain your explicit consent again.
3. Based on laws and regulations, legal procedures, litigations or mandatory requirements of government authorities.
(3) Public disclosure
1. Obtain your explicit consent in advance;
2. Based on laws and regulations, legal procedures, litigations or mandatory requirements of government authorities.
How we store and protect your information
(A) storage time
Generally speaking, we only retain your personal information for the shortest time necessary for the purpose, unless otherwise provided by laws and regulations or otherwise authorized by you.
If the storage period is exceeded, we will delete or anonymize your information.
(Two) security protection
We provide appropriate security for your information to prevent loss, improper use, unauthorized access or disclosure.
1. We strictly abide by laws and regulations to protect users' personal information.
2. We will use various security protection measures within a reasonable level of security to ensure the security of information. For example, we use anonymization and identification to protect your personal information.
3. After we have your full authorization, we will encrypt your personal information to be collected before storing it.
4. We establish special management systems, processes and organizations to ensure information security. For example, we strictly limit the scope of people who access information, and require them to comply with confidentiality obligations and to review them.
5. We will take all reasonable and feasible measures to ensure that irrelevant personal information is not collected. We will only retain your personal information for as long as necessary to achieve the purpose stated in the cost policy, unless an extension of the retention period is required or permitted by law.
6. At present, Ruppe Go Cash Loan Spot has reached the requirements of international and domestic authoritative certification standards such as the information security level protection (level 3) system in terms of information security, and has obtained corresponding certifications.
(Three) safety notice
1. We will formulate emergency plans for cyber security incidents, and deal with security risks such as system vulnerabilities, computer viruses, network attacks, and network intrusions in a timely manner. When incidents that endanger network security occur, we will immediately launch emergency plans and take corresponding remedial measures. And report to relevant authorities in accordance with regulations.
2. In the event of personal information leakage, damage, or loss, we will launch an emergency plan in accordance with the highest priority and form an emergency response team to trace the cause and reduce losses in the shortest time.
3. In the event of personal information leakage, damage, or loss, we will promptly inform you of the basic situation and possible impact of the security incident, the measures we have taken or are about to take, and you can take precautions and Suggestions to reduce risk, remedies for you, etc. We will promptly inform you about the incident by using the contact information you have reserved, such as site notifications, SMS notifications, phone calls, and emails. If it is difficult to notify one by one, we will take a reasonable and effective way to make announcements.
4. In the event of an event that endangers network security or if personal information is leaked, damaged, or lost, we will also actively report the handling of personal information security incidents in accordance with the requirements of regulatory authorities.
V. Your rights
According to the relevant laws and regulations, Ruppe Go Cash Loan Spot makes every effort to protect you and exercise the following rights over your personal information. Your rights include:
(1) Access to personal information
You have the right to access your personal information, with the exception of laws and regulations. You can access and manage by visiting the Ruppe Go Cash Loan Spot Product-Account page.
(Two) correction of personal information
When you need to make corrections to your personal information or find that we have processed your personal information incorrectly, you can correct and manage it by visiting the Ruppe Go Cash Loan Spot Product-Account page.
(Three) delete personal information
You can delete the personal information you uploaded by yourself. When you find the following situations, you can also ask us to delete the personal information:
1. If our handling of personal information violates laws and regulations;
2. If we collect and use your personal information without your consent;
3. If our handling of personal information violates our agreement with you;
4. If you no longer use our products or services, or you cancel your account;
5. If we no longer provide you with products or services.
If we decide to respond to your removal request, we will also notify the entities that have obtained your personal information from us and request their timely deletion, unless otherwise required by laws and regulations, or these entities have obtained your independent authorization.
When you delete information from our service, we may not immediately delete the corresponding information from the backup system, but we will delete this information when the backup is updated.
(IV) Cancellation of personal account
You can cancel your Ruppe Go Cash Loan Spot account. Once you cancel your Ruppe Go Cash Loan Spot account, you will not be able to use Ruppe Go Cash Loan Spot services and we will delete your personal information, so please exercise caution.
(5) Withdrawal of Authorized Consent
You can turn off the device function by deleting the message. After you withdraw your consent or authorization, we cannot continue to provide you with the services corresponding to your withdrawal of consent or authorization, and we will no longer process your corresponding personal information. However, your decision to withdraw consent or authorization will not affect the processing of personal information previously based on your authorization.
(6) Responding to your above request
To ensure security, you may need to provide a written request or otherwise prove your identity when exercising certain rights. We may ask you to verify your identity before processing your request.
We will respond within fifteen days. If you are not satisfied, you can also complain through the following channels:
Send your questions to RuppeGoCashLoanSpot@gmail.com
Protection of minors
We take the protection of personal information of minors very seriously. According to the relevant laws and regulations, if you are a minor under 18, we recommend that you do not use our services. If you must use our services, you must obtain the consent of your parent or legal guardian in advance or use it with your parent or legal guardian. If you are the guardian of a minor, please contact us if you have any questions about the personal information of the minor you are guarding.
Scope of application of this policy
This policy applies to all our services. However, some services have their own specific privacy guidelines / statements, which more specifically explain how we treat your information in the service. If there is any inconsistency between this policy and the privacy guidelines / statements of a particular service, the specific privacy guidelines / statements shall prevail. In addition, this policy and the User Registration Service Agreement you signed when you registered are an integral part.
We will review the issue as soon as possible and respond within 15 days of verifying your user identity.
Changes to this policy
We may revise the content of this policy in due course. We will choose to post the updated privacy policy text on the Ruppe Go Cash Loan Spot official website and Ruppe Go Cash Loan Spot APP page prominently. If such changes will result in a material derogation of your rights under this policy, we will notify you by prompting you on a prominent page of the page, sending you an email, etc. before the changes take effect. If you do not agree to these changes, you can stop using our services. If you continue to use our services, you agree to be bound by the revised privacy policy.