We attach great importance to your concern about personal information, thank you for your trust in Credit Tap. Here, we have developed a careful and sensible privacy policy to detail how we collect, use and process your personal information. By using our app, you agree to the practices described in this Privacy Policy. Please read the following carefully.
The main information we collect includes:
- Personal Information: When you create an account with Credit Tap, we collect personal information provided by you, including your name, identification card information, phone number, marital status, current address, housing situation, employment information, income status, education level, and loan purpose. This information is used for risk control management and credit assessment purposes.
- Financial Information: We may collect your bank account number, tax information, and other payment details to provide loan services.
- Contact List Information: When using our loan application service, we may ask you to provide information about emergency contacts, including their phone numbers, names, and relationships. This information is used to mitigate fraud risks and verify your credit rating. All collected data will be securely encrypted and not shared with third parties.
- SMS Information Collection: To ensure fund security, when you apply for a loan, we may collect your SMS information, including message titles, contents, and read statuses. This is used for anti-fraud analysis and evaluating user value. The collected contact list information will be uploaded via a secure encrypted path to https://h5web.credit-tap.com. The collected information will be encrypted and not shared with any third parties.
- Call Log Information Collection: To confirm that the registered phone number for receiving verification codes corresponds to your device and prevent fraudulent account usage, we may request permission to access your call logs when registering or using voice verification login in Credit Tap. The collected information will be encrypted and not shared with any third parties.
- Installed Application List Collection: We may obtain a list of applications installed on your device to identify potential fraudulent behavior and assess your credit score.The encrypted information will be uploaded to the server at https://h5web.credit-tap.com.
- Device Information Collection: We collect information related to the device used to access the Credit Tap platform, including device model, IP address, browser type, operating system version, carrier, manufacturer identity, radio type (e.g., 4G), preferred language, application installations, device identifiers, advertising identifiers, and push notification tokens.
- Camera Information Collection: To verify your personal identity, our application may collect images and other information from your device's camera and photos.
- Location Information Collection: We may collect data to identify the location of your mobile device, including precise or approximate location information. We may use location technologies to obtain your location and provide better services for you.
Please note that we handle all collected information with utmost care and in compliance with applicable privacy laws and regulations. We prioritize the security and confidentiality of your personal data.
How we use the collected information:
- Providing Services: The personal information collected will be used to provide you with our services, including allowing you to log into our application and operate and maintain the services.
- Personalized Experience: We use the collected information to remember your preferences and settings, providing a personalized user experience and eliminating the need for you to re-enter information during your visit or on subsequent visits.
- Service Improvement: By analyzing the collected information, such as overall visitor numbers, traffic, and statistical patterns, we strive to improve and optimize our services and user experience.
- Information Security Protection: We are committed to protecting the security of your personal information and taking appropriate security measures to prevent unauthorized access, disclosure, alteration, or damage.
Please note that we do not share your personal information with any third parties to ensure the security and privacy of your information. We only use your information in accordance with applicable laws and privacy policies. We respect your rights and trust and strive to provide a secure and reliable service.
The purposes for collecting personal information are as follows:
- Verification and User Identity: We collect personal information to verify and authenticate user identity, ensuring the accuracy and security of accounts and transactions.
- Eligibility Assessment: Personal information is used to assess eligibility for specific services, such as loan applications, based on relevant criteria and regulations.
- Fraud Prevention: We employ personal information to detect and prevent fraudulent activities, protecting both users and the integrity of our services.
- Communication and Marketing: Personal information allows us to communicate with users regarding relevant activities, promotions, and updates about our products and services. We ensure that such communication is compliant with applicable laws and regulations.
- Research, Analysis, and Improvement: We may analyze aggregated and anonymized personal information to conduct research, perform data analysis, and make improvements to our products, services, and user experience.
- Product Development and Partnerships: Personal information may be used in the development of new products, features, and partnerships that align with user needs and preferences.
If you have any questions, concerns, or wish to exercise your rights regarding the information in our privacy policy, the handling of your personal data, or your choices and rights regarding such usage, please feel free to contact us at [email protected]. We will promptly reply to your inquiry and address any concerns or requests you may have. Your feedback is important to us, and we will strive to ensure that your privacy rights are respected and protected.
Contact Us
Email:[email protected]
address: 4th Floor, Room No- 408, PS IXL,Atghora, Chinar Park, Kolkata, NorthTwenty Four Parganas, West Bengal,700136