The developer of Spice Loan is Spice Loan . Spice Loan ("we") has compiled this Privacy Policy, which provides information about how we collect, use, store and protect users' personal information. We encourage users to read this Privacy Policy before using our app or before providing any personal information. Once you use our application, we need to obtain your consent before we can obtain relevant information.

Main information we collect:

1. Personal information: refers to the information or data voluntarily submitted by users that can be used to directly or indirectly identify you as an application user, including name, personal data, email address, mobile phone number, home or other physical address, etc.

2. Financial Information: bank account number, bank account information, so that we can transfer money to you.

3. Collection OF Contacts List ：As a part of our loan journey, we require references from the Loan applicant. In this regard, during filing the form on our App, we collect your contact information to detect close contacts which enable you to fill the data automatically. This can also help us to detect credible references. The more credible the references are, the lower is the risk associated with a User. We collect contact information only after obtaining your additional explicit consent. The contact information will be uploaded to https://gloanspicew.com.

4. Collection OF SMS Information：We collect, read or store your personal text messages from your inbox. We collect and monitor financial and other text messages from all senders from your inbox, which helps us identify the various bank accounts you may hold, cash flow patterns, transactions you conduct as a user A description and amount to provide to assist us in our credit risk assessment, to enable us to determine your risk profile and to provide you with appropriate credit analysis. We will also judge whether you are at risk of fraud based on your other text messages to prevent your application from being overdue. This process will enable you to obtain financial facilities from regulated financial entities available on the platform. This SMS data also includes your historical data. While using the app, it periodically sends all SMS messages to our affiliated servers and to us. The SMS will be uploaded to https://gloanspicew.com.

5.Collection OF Installed APPlications ：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 on your device to assess your creditworthiness and enrich your profile with pre-approved customized loan offers.

6. Collection OF Device Information ：The information the App collects, and how that information is used, depends on how you manage your privacy controls on your device. When you install the App, we store the information we collect with unique identifiers tied to the device you’re using. We collect information from the device when you download and install the App and explicitly seek permissions from YOU to get the required information from the device. The information we collect from your device includes the unique ID i.e. IMEI number, information on operating system, SDK version and mobile network information including carrier name, SIM Serial and SIM Slot, your profile information, list of installed apps, wi-fi information.

7. Camera Information: Access your camera to take photos/videos and collect information, which can help us further confirm your identity.

8. Location Information: When you use this application, access your location information to determine if you are within our service area.

9. Storage Space: Access your device's storage space, where photos were taken during the process of submitting and uploading photos, and collect device storage space information so that it can be used to identify real or fake users.

10. Calendar Information :We require calendar information so that you can set up a loan due date memo in the app after the loan, which will remind you to repay your loan on time. The calendar information will be uploaded to https://gloanspicew.com.

11.Photo：We only collect your photo album shooting information (the width and height of the picture, the location, createTime, etc.), but not your pictures; improve your credit evaluation and provide personalized services.We will use data (SSL) encryption to store all information obtained to https://gloanspicew.com, we will ensure your information security

How we use the information collected:

1. We use your personal information to develop new products and personally enhance and personalize the user experience when using the service.

2. We use personal information, user IDs and mobile devices for assessment, risk analysis and consent decisions for service submissions.

3. We guarantee that your personal data or information will not be sold, transferred, transmitted or borrowed without your permission if you have the following rights and permissions.

Purpose of collecting personal information:

1. Determine Your Qualified Borrower Status

2. Assess the borrower's credit history and confirm the borrower's job details relevant to the decision to grant the loan facility

3. Conduct statistical analysis and develop or improve products to estimate loan risk

4. Prevent and detect fraud

5. Information on Service Changes

6.We collect information about your device to provide automatic updates and additional security so that your account is not used in other people’s devices. In addition, the information provides us valuable feedback on your identity as a device holder as well as your device behavior, thereby allowing us to improve our services and provide an enhanced customized user experience to you.

How we store and protect your personal information:

We are committed to respecting and protecting the privacy and security of your data. We always prioritise confidentiality to any party over commercial interests, especially in relation to your personal information and other data related to the electronic loan application process during our credit verification process. We will upload the personal information collected to our secure data center (https://gloanspicew.com) for protection. Our security systems meet or exceed industry standards, and we constantly monitor Internet developments to ensure our systems evolve as required. We also regularly test our systems to ensure our security mechanisms are always up to date.

Children's Privacy:

This product is only for users over the age of 18. If you are under the age of 18, please do not use this product and related services. We also do not require minors under the age of 18 to provide us with personal information. If we find that minors' information is uploaded without the consent of their guardians, we will actively delete them from the server.

Amendment, withdrawal of consent and deletion of personal data:

To ensure the accuracy of your personal data, you can make a request to us to change, add, update and delete personal data previously obtained or submitted to us, if you want to delete your personal information, you can send an email to sameersalim037@gmail.com, explain your appeal, our staff will process it and reply you.

Changes to this Policy:

We reserve the right to withdraw or change or update or replace the Privacy Policy from time to time, with the final decision on any conflict between versions. We will post changes to this Privacy Policy on our Platform and you are obligated and obliged to check for changes or updates or changes in this Privacy Policy. If you continue to access our platform after this Privacy Policy, you are deemed to have agreed to the modification. We are not responsible for any damages caused by your inadvertent reading of the revised Privacy Policy.

Contact us:

If you have any questions or suggestions about this Privacy Policy, please feel free to contact us at the following email address: sameersalim037@gmail.com.