This privacy policy ("policy") will help you understand how Easy Prêt”("us", "we", "our") uses and protects the data you provide to us when you visit and use any of our services(“Services”).
We respect your right to privacy. This policy summarizes what personal information we may collect, how we may use this information, and other important topics relating to your privacy and data protection.
This policy may be changed from time to time of which you will be promptly updated as much as you frequently visit this page.
This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us.
1. Consent
1.1.
By downloading any of our apps or continuing to surf our website, you confirm that you have read, understood and accept the terms of this policy set out hereunder. You also consent to the collection, use, storage, processing and disclosure of your personal information in the manner set out in this policy.
1.2.
If you check the option of having read and agreed to this privacy policy, it will be regarded as acceptance of this policy and an agreement to be bound by the terms of this policy. Otherwise, your continued use of the service site, and app indicates your acceptance of the policy.
2. Statement of Compliance with Data Protection Principles
We receive your data for the specific purposes stated in this policy geared towards providing our services to you. We receive data you have provided to us or that you have enabled us to access by subscribing to our service on the app or service site. Your personal data is stored securely on our server and we take steps to ensure the security of your data by implementing physical, electronic, and procedural safeguards in order to protect the information, including storage of the information on secured servers protected by secured networks to which access is limited to a few authorized employees and personnel. Your data is stored for the period you are subscribed to our service and if you elect to deactivate your account, we delete your data from our server.
3. Information We May Collect from You
We may collect and process the following data about you:
3.1.
Information you give us about you (Submitted Information)
This may include information:
Borrower’s personal information such as but not limited to full name, residential address, place of birth, date of birth, civil status;
Employment details such as employer’s name, employer’s address, and employer’s contact number;
Financial information such as monthly income, bank account number;
The personal information collected is to verify your true identity and ensure the security of your account.
Including latitude and longitude, hardware model, operating system and version, memory infomation, unique device identifier, Wifi information, and network information;
The list of installed applications including application name, package name, installation time, version name and version number;
1.to evaluate the authenticity of user loans and provide personalized services
2.Conduct a risk assessment to check whether there are malicious or fraudulent applications on your phone and reduce the risks associated with loan applications.
Including the following scenarios: uploading an ID card photo when filling out the loan application form, and taking a face photo during liveness verification;
The purpose is to verify that the user is a real user and not a bot or a fraudster stealing someone else's credentials.
What permissions are required?
A.Location permission
We need location access to collect latitude and longitude information about your device's location to provide loan application service capabilities and reduce the risks associated with your loan application, which helps us verify the address and assess your credit risk. The information is encrypted and stored by the system and will not be shared with any third party.
B.PHONE STATE permission
Easy Prêt require phone state access so that we can ensure that no unauthorized device acts on your behalf to prevent frauds. we will collects and monitors specific information about your device including your hardware model, build model, RAM, storage; unique device identifiers like IMEI, serial number; SIM information that includes network operator, WIFI information that includes MAC address and mobile network information to uniquely identify the devices. This also helps us in enriching your credit profile and assessing your credit worthiness.
C.Camera Permission
We need camera access so that you can easily take ID photos and selfies to save time(For example, taking ID photos and self-portraits of your face). The information is used internally by the system to verify the user's true identity and will not be shared with any third party.
Data safety
This limited app information will collects and transmits to Easy Prêt servers https://epapi.easyprts.com. Easy Prêt will not read and collect your data when the app is closed or not in use. Easy Prêt will never share data to any third party. The collection will only be done if you agree to the authorization.
3.2.
Information we collect about you and your device
Each time you visit service site or install our app on your device, you consent that we may automatically collect the following information which we require for the purpose specified thereunder:
(a) Location. We need your device location authorization to collect location-related information, which includes the location method of the user device, longitude, latitude. Using your location information will enable us to check your credit rating as well as increase the security of your account. If an abnormality is discovered, or we notice that our service is accessed from an unusual location you will be notified promptly.
(b) Mobile Phone/Device. Upload and monitor the information about your device. The device information we need is the unique device identifier such as device name, model, region, status, language, device identification code, device software and hardware information, usage habits, IMEI, and serial number to confirm the uniqueness of the device and ensure the security of your account. The mobile device information will be encrypted and uploaded to our server for anti-fraud services and credit evaluation only. We will not sell, trade or rent your contact information to any third party.
3.3.
Information we receive from other sources (Third Party Information)
Due to the nature of the services which we provide, we are required to work with a number of third parties (including credit reference agencies and mobile network providers) and we may receive information about you from them. Information collected from third parties are not controlled by us, and we are not responsible for the processing of your personal data by the third party. We however take measures to ensure the accuracy of the information we receive from third parties about you.
4. Tracking and Cookies
We may use mobile tracking technologies and/or website cookies to distinguish you from other users of the app or service site. This helps us to provide you with a good experience when you use the app or browse the service site and also allows us to improve the app and our service sites.
You will be required to indicate your consent to our cookies by a conspicuously displayed cookies banner when you visit our service site or use our app, or to modify your cookies options.
5. Uses Made of the Information
5.1.
We may associate any category of information with any other category of information and will treat the combined information as personal data in accordance with this policy for as long as it is combined.
5.2.
Information collected by us shall be used for the purpose of determining whether or not to provide a loan to you, the amount of such loan and the terms and conditions applicable to such loan.
5.3.
Save in compliance with an order of the court, arbitration panel, tribunal, regulatory directive or order or any other legal or regulatory obligation, we do not disclose information about identifiable individuals to other parties, but we may provide them with anonymous aggregate information about our users (for example, we may inform them that 500 men aged under 30 have applied for a loan on any given day) or other anonymous personal data of our users.
6. Disclosure of Your Information
6.1.
We may disclose some or all of the data we collect from you when you download or use the app to credit reference bureaus.
6.2.
We may disclose your personal information to any member of our group, which means our subsidiaries, affiliates, our holding company and its subsidiaries in accordance with our Binding Corporate Rule for data transfer.
6.3.
We may disclose your personal information to third parties who are trusted third-party service providers to support our Services and business. When we share information with such third parties we require them under an agreement with them to take appropriate organizational and technical measures to protect your information and observe applicable laws.
6.4.
If our assets are acquired by a third party, in which case personal data held by us about our customers will be one of the transferred assets.
6.5.
We may therefore disclose and transfer your information or our obligations and rights under this policy to any of our affiliates or successors, and to any third party who proposes to acquire all or part of business or operations, whether such acquisition is by way of investment, merger, restructuring, sale of capital or assets, by operation of law, or otherwise.
6.6.
We may disclose your information if we believe such action is necessary to: (a) comply with any legal or regulatory obligation or request served on us; (b) protect and defend our rights and the enforcement of our agreements including to ensure technical service functionality, data accuracy, perform trouble-shooting, protect our platform and services from abuse, and prevent or detect security breaches and illegal, restricted or prohibited activity; and (c)enforce our Terms and Conditions and other agreements or to investigate potential breaches; report defaulters to any credit bureau; or for the purpose of publishing statistics relating to the use of the app, in which case all information will be aggregated and made anonymous.
7. Where We Store Your Personal Data and Keep Your Data Safe
7.1.
We store and process your personal information on our computers, servers and data centers in and outside . And we will transfer your data to another country which has an adequate data protection law. We will seek your consent where we need to send your data to a country without an adequate data protection law.
7.2.
We will ensure that your personal data is protected against unauthorized access or breaches by the use of adequate technical measures. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centres, and information access authorization controls., However, we cannot guarantee the security of your data where they are intercepted by bad actors by means outside our control and not for a want of deployment of standard and latest technical measures on our part.
8. Your Rights
8.1.
With regard to your personal data in our custody, you have the right to request for (a) access to your personal data (b) the rectification of your personal data, or (c) the transfer of your data to another service provider. We will use your data for the purposes of compiling statistics relating to our user base or loan portfolio and may disclose such information to any third party for such purposes, provided that such information will always be anonymous. We may also share your personal information in compliance with national or international laws; crime prevention and risk management agencies and service providers.
8.2.
Subject to your consent, we may use your information for marketing purposes. You shall be entitled to withdraw your consent to the usage of your information for marketing purpose by informing us through the contact details provided at the end of this policy.
8.3.
Should you wish to delete your personal data acquired by us, you may do so by contacting us via the email addressed at the end of this Policy.
9.Children’s Privacy
These Services do not address anyone under the age of 13. I do not knowingly collect personally identifiable information from children under 13 years of age. In the case I discover that a child under 13 has provided me with personal information, I immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact me so that I will be able to do the necessary actions.
10. Changes to Privacy Policy
We may revise this Privacy Policy from time to time to reflect changes to our app, the service site, or applicable laws. The revised policy will be effective as of the published effective date. Any future changes made to this Policy will be posted on this page and, notified to you when you next start the app or log onto our service sites. The new terms may be displayed on-screen and you may be required to read and accept them to continue your use of the app or the services. In any event, by continuing to use the app or any services after the posting of any changes, you confirm your continuing acceptance of this Policy together with such changes, and your consent to the terms set out therein.
11. Links to Other Websites
10.1. Certain transaction processing channels may require links to other websites or organisations other than ours. Please note that we are not responsible and have no control over websites, service sites or apps outside our domain. We do not undertake to monitor or review the content of other party’s websites, service sites or apps which are linked from our website or media platforms.
10.2. Opinions expressed or materials appearing on such websites, service sites or apps are not necessarily shared or endorsed by us, and should not be regarded as the publisher of such opinions or materials. Please be aware that we are not responsible for the privacy practices, or content of these sites. We also urge you to study the privacy polices of such sites, or apps and evaluate the security of the site or app independently before engaging with same or disclosing personal information therein. will not be responsible for any loss, or damage resulting to you from the engagement with such website, service sites or apps.
12. Our Contact
Email: [email protected]
Company Name: ENJOY TEC COMPANY LIMITED