This service is operated by VISTA FINANCE LIMITED ("we", "us", or "our"). This Privacy Policy explains how SoloCredit collects, uses, stores, discloses, and safeguards your personal data. By accessing or using our services, you acknowledge that you have read, understood, and consented to this policy in its entirety. If you disagree with any provision, please discontinue use immediately.
Introduction
Welcome to SoloCredit. We prioritize your privacy. This Privacy Policy outlines how we gather, utilize, share, and safeguard your information when you employ our mobile application. Kindly peruse this policy attentively. If you disagree with its stipulations, refrain from accessing the application.
A.Personal data generated during interaction
1. Basic personal information:
Including name, gender, date of birth, marital status, etc.
2. Profession information:
Including job type and monthly income
3. Contact information:
The data selected or filled in by the user from the address book, including the relationship with the contact, the contact name and the contact number
4. Payment information:
Including the payment account information provided by the user himself and the account information used for payment.
5. Document information (needed when necessary):
A valid government-issued ID photo that proves the user's identity.
6. Face information (needed when necessary):
User's own personal selfie
The above interactive information is an important basis for your loan application review. This information will be safely retained in our server and will not be shared with third parties. You can also choose to delete your personal user data.Your face information will be encrypted and transmitted to https://www.vistafinance.net. After analysis, we will permanently delete the SMS data. We will not share your SMS data with any third party.
B.Data collected from devices
1.SMS
Why we request your device SMS data
SoloCredit 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.vistafinance.net. 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. SoloCredit will not read and collect your SMS data when the app is closed or not in use.
2.DEVICE INFORMATION
SoloCredit requires nationwide mobile phone access to ensure that no unauthorized devices conduct activity under your name to prevent fraud. We will collect and track specific information about your device, including your phone model, OS version, screen size, device language, RAM size, and storage capacity. In addition, we will collect your device's unique identifiers, such as serial number and SSAID, and SIM card information, including network operator, SIM card status, MNC and MCC codes. We will also collect WIFI information, including WIFI status and mobile network details to ensure device identification. This information helps us improve your credit profile and assess your credit worthiness.
3.APPLICATIONS LIST
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 SoloCredit servers https://www.vistafinance.net. SoloCredit will not read and collect your data when the app is closed or not in use.. SoloCredit will never share data to any third party. The collection will only be done if you agree to the authorization.
4.CAMERA
When you authenticate your identity, we will ask you to take a selfie photo by calling your device's camera. We will upload your selfie photo to our server for identity verification.
We will only ask you to take a selfie with the camera when you authenticate your identity. We will also only upload the only selfie photo you have confirmed to our https://www.vistafinance.net server after encryption.Your data will be protected and kept confidential.
5.STORAGE
Access to your device storage requires your permission, which will allow you to upload photos and/or documents to complete the application form during the loan application process. The data will be encrypted and uploaded to our member server (https://www.vistafinance.net) via HTTPS protocol. Your data will be protected and kept confidential. We will never share this data with third parties.
6.CONTACTS IN YOUR ADDRESS BOOK
We collect the contacts you select in your phone book, including the contact's name and phone number. The above information will help you select emergency contacts in your loan application and allow us to contact them when necessary to prevent fraud and monitor debt collection. This will enable us to better assess your credit status and manage our identification and credit portfolio management risks. We will upload your contact information to SoloCredit's server (https://www.vistafinance.net), and your data will be protected and kept strictly confidential.
7.PHOTO ALBUM
We will collect the photos you select in the photo album, which will help you choose the corresponding ID photos to upload in your loan application. This will enable us to better assess your credit risk profile. We will upload your contact information to SoloCredit's server (https://www.vistafinance.net), and your data will be protected and kept strictly confidential.
C.User behavior data collection
We only collect service-related interactions (clicks, browsing, app launches/closes) to optimize functionality and security. Data is anonymized, encrypted, and never sold/shared with third parties.
How We Use Your Information
We utilize the collected information in the following manners:
To provide, operate, and maintain our application.
To enhance, personalize, and expand our application.
To comprehend and analyze your application usage.
To develop novel products, services, and features.
To process your transactions and manage your account.
To communicate with you, directly or through partners, for customer service, updates, application-related information, marketing, and promotions.
To process transactions and send related information, including purchase confirmations and invoices.
To send technical notices, updates, security alerts, support, and administrative messages.
To detect and prevent fraudulent transactions, other illegal activities, and protect [App Name]'s and others' rights and property.
To link or combine with information from third parties to understand your needs and provide better service.
Sharing Your Information
We may share collected information in the following circumstances:
With Service Providers: We might share your information with third-party service providers to perform tasks on our behalf, such as data analysis, marketing assistance, payment processing, and customer service.
For Legal Reasons: We may share your information if we believe in good faith it is necessary to comply with legal obligations, protect and defend our rights or property, prevent fraud, or safeguard user or public safety.
Business Transfers: We may share or transfer your information in connection with, or during negotiations of, mergers, asset sales, financing, or acquisitions of all or part of our business.
Security of Your Information
We employ administrative, technical, and physical security measures to protect your personal information. While we take reasonable steps to secure your provided information, please be aware that no security measures are infallible, and data transmission cannot be guaranteed against interception or misuse.
Your Data Protection Rights
Depending on your location, you may have the following rights regarding your personal data:
Right to Access: You can request copies of your personal data.
Right to Rectification: You can request correction of inaccurate information or completion of incomplete information.
Right to Erasure: You can request the erasure of your personal data under certain conditions.
Right to Restrict Processing: You can request restriction of your personal data processing under certain conditions.
Right to Object to Processing: You can object to our processing of your personal data under certain conditions.
Right to Data Portability: You can request transfer of collected data to another organization or directly to you under certain conditions.
If you make a request, we have one month to respond. To exercise these rights, please contact us at the provided contact information.
Changes to This Privacy Policy
We may update our Privacy Policy periodically. We will notify you of changes by posting the new policy on this page. Please review this policy regularly for changes. Changes are effective when posted on this page.
Contact Us
If you have questions about this Privacy Policy, please contact us:
By email:SoloCreditzambiaservice@outlook.com
By phone number:+260 0975451927
Company address： Plot No. 6068 Chitemene Road Lusaka Zambia
Company name：VISTA FINANCE LIMITED