Quick Loan: Instant Loan Privacy Policy

Quick Loan: Instant Loan Privacy Policy

You agree to be bound by the terms and conditions of this Privacy Policy by using the Quick Loan: Instant Loan Privacy Policy mobile and/or online application ("App") (collectively, the "Platform") and taking advantage of the services we offer ("Services"). Please do not use or access our Platform or any portion of it if you disagree with this Policy or any of its provisions.

The Platform understands how crucial it is to protect your privacy. This privacy statement explains how the platform gathers and manages the data it could obtain from you. Visitors to our Platform, both present and past, are covered by this privacy statement. You agree to and accept the practices outlined in this Privacy Policy by accessing and/or using the Platform.

The term "user" or "you" or "your" refers to any individual using the Services or accessing our Platform for the purposes of this Privacy Policy, whether they are customers, consumers, or anyone else.

WHAT PERSONAL INFORMATION DO WE COLLECT ABOUT YOU?

The data we get from clients enables us to customize and enhance your platform experience over time.

In general, you are not required to identify yourself or provide any personal information in order to use the Website or App. However, in order for us to deliver personalised services, you must give us specific fundamental information while creating an account on the Website or App. The data we obtain from you includes, among other things:

1. your full name;

2. email;

3. mailing address;

4. postal code;

5. family details;

6. university/college details;

7. phone number;

8. Permanent Account Number (PAN);

9. Academic records and certificates;

10. Aadhar card Details;

11. face picture;

12. Bank card information.

You can always decide not to utilize a certain service or feature on the Platform if you don't want to provide a certain amount of information. When you create a free account with us, we additionally collect additional personally identifiable information from you as further described below (such as your payment card information and transaction history on the Platform). As noted above, you can explore some areas of our Platform without registering as a member, but other activities (including applying for loans from third-party lenders on the Platform) demand registration and the submission of the aforementioned information. You have the choice whether to provide the personal information the Platform is collecting from you, and it will make that choice obvious to you. But this will restrict the

EMAIL ADDRESS AND MOBILE NUMBER COLLECTION:

When you sign in, we gather your email address and mobile number in order to uniquely identify you. This enables us to make sure that nobody or anything is representing you without your permission.

 ASSESSMENT OF LOCATION:

We gather location data from your device to lower the risk involved with your account.

Information gathering for financial SMS:

We won't gather or save any of your private text messages from your inbox.

We only gather financial SMS messages from six different senders. We identify your risk profile and then give you the proper credit analysis by analyzing your cash flow patterns and the many accounts you have. As a result, you are able to get financial facilities from licensed financial institutions and other service providers.

While using the application, financial SMS messages will be sent seldom to our linked servers and us.

CONTACTS LIST COLLECTION:

We need the loan applicant's references as part of the loan process. In order to help you fill out the form on our app automatically, we collect your contact information when you submit it. This allows us to identify your close friends and family members.

This can also aid in identifying reliable sources. The danger connected to a User is smaller the more reliable the references are.

INSTALLED APPLICATION COLLECTION:

In order to evaluate your creditworthiness and enhance your profile with pre-approved customized loan offers, 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.

IMAGES, FILES, & MEDIA:

During the course of your loan application process, we need the media, pictures, and files permission to enable the App to allow you to submit photos or documents to the application form.

STORAGE:

In order to successfully submit the loan application, we need the storage information permission, which enables you to upload files to the app.

 CAMERA:

To give you a simple, hassle-free experience and to allow you to take photos of your KYC documents and other required documents and upload them on the app throughout the loan application process, we need your permission to access your camera information.

INFORMATION COLLECTION REGARDING DEVICES:

How you adjust your privacy controls on your device will affect the data the App collects and how it is utilized.

When you install the App, we bind the unique IDs we gather to the device you're using in order to store the data.

When you download and install the app, we automatically gather information from the device and ask for your express consent to access the necessary data from the device.

The unique ID, or IMEI number, information about your device's operating system, SDK version, and mobile network information, including carrier name, SIM Serial and SIM Slot, as well as profile information, a list of installed apps, and Wi-Fi information, are among the data we gather from your device.

We gather data about your device to offer automated upgrades and extra protection to prevent unauthorized use of your account on other people's devices. Additionally, the data gives us insightful input on your identity as a device owner and your device usage habits, enabling us to optimize our services and give you a more personalized user experience.

OTHER NON-PERSONAL INFORMATION COLLECTION:

Based on how you use our Platform, we track certain information about you automatically. To better understand, protect, and serve our users and enhance our services, we conduct internal research using this data on the demographics, interests, and behaviour of our users. This data is gathered and examined on an aggregate level. We also gather information like your Internet Protocol (IP) address and the URL you use to access the internet on your computer. This information may include your IP address, the URL you just left (whether or not it was on our website), the URL you go to next (whether or not it was on our website), the information about your web browser, and the URL you just came from.

Small data files known as cookies are stored on your computer by websites. Similar to other lending websites and applications and online marketplace websites and apps, we will utilize cookies on our website. By using this information, we can better recognize You and improve the usability of our website. The majority of browsers give you the option to reject cookies, however doing so can make some aspects of Our Website less functional.

If you decide to buy something from the Website, we'll learn more about your shopping habits.

As permitted by law, we keep this information as long as it's required to resolve disputes, offer customer assistance, and troubleshoot issues.

We save information about your activities or postings on the Website in a file just for you if you provide us personal correspondence, including emails or letters, or if other users or other parties send it to us.

 YOUR PERSONAL AND OTHER INFORMATION USED AND DISCLAIMED:

In order to deliver our Services, conduct research, and create new ones, we access, keep, and use the information we gather.

We use your personal information to fulfil your service requests, personalize your online experience, and enhance our offerings. If we intend to promote any products to you using your personal information, we will provide you the option to decline such usage.

Your personal information is used by us to:

1) Assist in the facilitation and delivery of services to you by our business partners, handle payments and your applications, and communicate with you about goods, services, and promotional offers.

2) Respond to your questions or requests and address any complaints you may have regarding the services you received.

3) Manage or otherwise fulfil our duties under any contract we have with our business partners.

4) Send you details about exclusive offers or promotions. We might also inform you of brand-new functions, goods, or services. These could be our own offers, products, or services, or offers, products, or services from third parties that Go Cash has a relationship with.

5) Utilize your data for internal research and to deliver location-based services to you, such as advertisements, search results, and other tailored content.

6) Use this information to enhance our platform, stop or identify fraud or website abuse, and let third parties perform technical, logistical, or other tasks for us. Information obtained from you and information about you obtained from third parties may be combined by us.

7) Send you notifications, communications, and recommendations for services that may be of interest to you. We'll also update our records and generally keep up with your accounts with us, display information, and show customer testimonials.

We employ the data you supply in the following ways:

1) to establish and confirm identity;

2) oversee, develop, and manage our website and platform;

3) offer our assistance, i.e., carry out credit profiling in order to facilitate loans for You.

4) create and provide specialized goods and services from our outside financial partners;

5) monitor security, identify service or technical issues, and assess how the Website is used;

6) transmit communications, information about the goods or services You have requested, or respond to inquiries and applications you have submitted on the website;

7) take care of our relationship with you and let you know about other goods and services we think you'll like;

8) do data analysis to enhance the Services / Products made available to the User;

9) make use of user information in accordance with national laws and regulations;

10) utilizing the information provided by the User, to carry out KYC for our third-party lending partners;

11) using the user data in other ways that are allowed by law to make it possible for You to obtain financial services from our lending partners.

In order to provide You with the Services on our Website, to comply with our legal duties, to settle disputes, and to enforce our agreements, we will use and preserve Your information for the time frames necessary.

THIRD-PARTY SDK LINK:

To conduct a credit risk assessment, our application links to a registered third-party SDK that gathers data on our behalf and stores the data on a secure server. We make sure that our third-party service provider employs stringent security procedures to guard against the loss, misuse, or alteration of your personal information.

Our third-party service provider uses stringent role-based access control on a documented, permitted, need-to-use basis, as well as separation of environments and segregation of duties. Application-level encryption is used to safeguard and secure the data that is being stored. To restrict access to data, key management services are enforced.

CHANGES TO THIS PRIVACY POLICY FOR PE LOANS WITH A SINGLE CLICK:

Quick Loan: Instant Loan maintains the right, at any time and for any reason, to update, modify, add to, or remove elements of this Privacy Policy. If the Privacy Policy is modified, we will update the Website with the new information. Unless otherwise specified, such modifications take effect right away after being posted. We advise you to frequently check this page for the most recent details on our privacy policies. Your approval of the modifications and the updated Privacy Policy is indicated by your continued access or use of the Services.

YOUR PERMISSION:

By using the website/app and/or submitting your information, you consent to the collection and use of the information you provide in accordance with this privacy statement, including but not limited to your consent for the collection, use, sharing, and disclosure of your information in accordance with this privacy statement.

If we decide to make changes to our privacy policy, we will notify you by updating this page so you are always aware of the data we gather, how we use it, and when we reveal it.

GRIEVANCE OFFICER:

- In accordance with Information Technology Act 2000 and rules made there under, the name and contact details of the Grievance Officer are provided below:

Customer Service Email: averzone77@gmail.com