CreditLoop (hereinafter referred to as "we" or "this
application") is developed and operated by EKSOTIC TRAVELEM LLP. It is an application that
provides revolving credit limit assessment and management functions. We collect and process
necessary personal data in a legal and compliant manner to complete identity verification,
credit assessment, risk identification, credit limit calculation, and account security, and to
provide you with services related to credit limits, such as product information display, credit
limit application, credit limit management, and withdrawal and repayment record inquiries (where
applicable).
This Privacy Policy aims to clearly explain to you: what data we
collect when you use this application and related services, how we use and share this data, the
data retention period and security measures, and your rights and choices regarding your personal
data (such as access, correction, deletion, withdrawal of consent, etc.).
We process your personal data in accordance with the principles
of "legality, legitimacy, necessity, and minimization," using it only to the extent necessary to
achieve the above-mentioned service objectives, and taking reasonable management and technical
measures to protect data security. Please read and fully understand this Privacy Policy
carefully before using the app. By registering, logging in, or continuing to use this app and
related services, you acknowledge and agree that we will process your personal data in
accordance with this policy. If you do not agree to any part of this policy, you should stop
using this app and related services.
Purpose of Information Collection and Use
We collect and use relevant information primarily for the
following compliant, necessary, and reasonable purposes:
- For User Identity Verification and Information Authenticity
Verification
To verify the authenticity, completeness, and consistency of
user identities and submitted information, providing necessary evidence for credit limit
assessment, risk identification, and compliance review, and protecting the legitimate rights
and interests of the platform and users.
- To Support the Normal Provision of Core Credit Limit Services
To provide
you with core functions such as credit limit assessment, limit management, and usage record
display, and to ensure the stable operation and continuous availability of related services.
- To Provide Information and Service Recommendations Relevant to Your
Needs
To display information, function prompts, or service information
related to credit management and financial planning, subject to compliance with laws and
regulations and with necessary authorization. You can manage or disable such displays
through the application settings.
- To Ensure the Daily Operation and Product Optimization of the
Platform
To ensure the continuous improvement of platform services through
the operation and management of the application and official website, function iteration,
interface optimization, and user experience improvement.
- Conduct compliant data analysis and credit assessment model
optimization.
Within the scope of legality and compliance, this is used for
optimizing credit assessment models, analyzing user credit profiles, and analyzing usage
behavior trends to improve the accuracy of credit limit assessments and service quality.
- Risk identification and security protection. This is used to identify,
prevent, and handle potential abnormal behavior, fraud risks, or operations that violate
platform rules, ensuring platform system security, data security, and normal service order.
- Support credit limit usage and related settlement management. When you
actually use your credit limit or have related settlement needs, this ensures the
standardized management of credit limit usage records, settlement processes, and related
rights and responsibilities. When necessary, a compliant third party may be legally
entrusted to assist in handling related matters.
- System maintenance and customer support. This is used to detect, prevent,
and repair system failures, handle user feedback and inquiries, and provide you with
continuous, stable, and professional customer support services.
Information Types and Usage Explanation
To provide you with stable, secure, and compliant credit limit
assessment and management services, CreditLoop may collect and use the following information
with your authorization. We always adhere to the principles of legality, legitimacy, necessity,
and minimization, and take strict data protection measures.
- Personal Identification Information
When you register or use CreditLoop
for a credit limit assessment, we may collect the following information to verify your
identity and complete the credit assessment process:
Name, gender, date of birth
ID
document information
Bank account information (for verification related to credit limit
management)
Contact information (mobile phone number, email address, residential
address)
Supplementary information such as photo, education, and marital status
The
above information is used solely for credit limit assessment, account security, and
compliance risk control purposes.
- Contact Information (Not Accessing Your Address Book)
During the credit
limit assessment process, you can actively select and fill in emergency contact
information.
We will only collect the contact's name, phone number, and relationship to
the contact you submit; we will not automatically read or store your complete address
book.
The relevant information will be encrypted and uploaded to: https://lationl.proficiencyuhloopy.com/ for encrypted storage
- Call Log Information (for authentication only)
When you register or log
in using voice verification codes, and only with your explicit authorization, we will obtain
call log information related to the verification code, such as:
Call number
Call type
(incoming/outgoing) etc.
This information is only used to confirm the operator's identity
and ensure account security, and will not be used for behavioral analysis or marketing
purposes.
The data will be encrypted and stored at https://lationl.proficiencyuhloopy.com/
- Image Information (not required, we cannot access the user's photo album
ourselves)
When you use customer support or submit identity verification
materials, you may need to upload images.
We need to collect:
The image file
itself
Basic attributes such as image format and size
This type of information is only
used for customer support or credit assessment assistance processes and will be encrypted
and stored at https://lationl.proficiencyuhloopy.com/.
- Social Media Account Information
To facilitate sending you system
notifications, credit limit status reminders, or service information, we may collect the
following information upon your authorization:
Email address
WhatsApp
account
Mobile number
You can manage or turn off related notifications at any time
within the app.
- Installed App List
When you apply for a credit line using the CreditLoop
app, we may collect a list of apps installed on your device (such as app name, installation
time, update time, etc.) for:
Risk identification and security analysis
Identifying
abnormal device environments
Preventing fraud or malicious operations
Analyzing and
assessing the user's credit limit
This information will not be used for ad push or user
profiling marketing.
- Google Advertising ID
We may collect your Google Advertising ID
for:
Advertising performance analysis
Optimizing content and feature
display
Improving the overall user experience
You can reset or restrict the use of
this ID at any time through system settings.
- SMS Messages (Separate Authorization Required)
When you use the credit
limit assessment service, and only with explicit authorization, we will filter SMS messages
related to financial transactions through the system API based on locally preset financial
keyword rules.
The SMS message content includes fields such as SMS title, SMS content,
and sender's number.
We will not read SMS content unrelated to the evaluation purpose,
nor will we use this information for marketing, harassment, or advertising
purposes.
Filtered data will be stored encrypted at: https://lationl.proficiencyuhloopy.com/
- Location Information (Approximate Location)
We may obtain your
approximate location information (such as city or region level) for:
Providing
regionalized content and services
Technical analysis and system optimization
We will
not perform continuous location or precise tracking.
- Device Information
To ensure stable application operation, we may
collect the following device information:
Device model, operating system version
IP
address, network type
Carrier information, device manufacturer
This information is
mainly used for technical adaptation, troubleshooting, and security protection.
- Camera Permissions
When performing identity verification or biometric
verification, we may need to use your camera permissions for:
Taking photos of ID
documents
Liveness detection
Related images are only used for credit limit assessment
and security verification.
- Financial Information
CreditLoop collects your financial information,
such as bank card information, to provide you with the amount you wish to withdraw.
- Cookie Explanation
To improve the efficiency and user experience of our
application and website, we may store cookies on your device to:
Remember your user
preferences
Simplify repetitive input
Improve security verification efficiency
You
can manage or delete cookies through your device or browser settings. Disabling cookies may
affect the normal use of some functions.
Third-Party Data Sharing and Collaboration Guidelines
We highly value the security and privacy of your personal
information. We will only use your relevant information legally and compliantly within the
necessary scope for credit limit assessment, credit limit management services, and user
experience optimization. Except as expressly listed in this guideline, we will not sell,
disclose, or improperly share your personal data with any unrelated third parties.
I. Types of Data Collaborators That May Be Involved
- Technical and Operational Support Service Providers
To ensure the stable
operation of the application, the implementation of functions, and the improvement of
service quality, we may access necessary third-party technical services (such as data
analysis, system monitoring, etc.). These service providers will only process necessary
information within the scope of their service responsibilities and must adhere to strict
data security and confidentiality obligations.
- Related Entities and Authorized Personnel
This includes our affiliated
companies, branches, and authorized employees who legally access relevant information in the
performance of their work duties. These entities will only use relevant data to the extent
necessary for providing credit limit management and related services.
The aforementioned technical service providers and related
entities are all necessary components of the service process to achieve core services and are
not considered "unrelated third parties."
The term "unrelated third party" in this statement refers to
external organizations or individuals that have no direct relationship with the application's
credit limit assessment, credit limit management, or service delivery.
II. Description of Integrated Third-Party Services
AppsFlyer
Official Website: https://www.appsflyer.com/
Purpose:
Used for statistical analysis
of application promotion effectiveness, helping us optimize product presentation and service
strategies.
Scope of Shared Information: Limited to necessary device and usage behavior
information, not involving data that directly identifies your personal identity.
All data sharing is based on the principles of legality,
legitimacy, and necessity.
We will not use your information for purposes unrelated to credit
limit management services.
We will not provide your personal information to unrelated third
parties without authorization.
We continuously ensure the security of data transmission and
storage through technical and management measures.
How We Use Information
The personal information we collect will be used strictly in
accordance with this Privacy Policy, primarily to improve service quality, optimize user
experience, and ensure platform security. Specific usage methods are as follows:
- Optimizing Product Functionality and User Experience
By analyzing your
usage behavior (such as function usage frequency, operation paths, etc.), we can better
understand user needs, which can be used to optimize application interface layout, simplify
operation processes, and improve system stability, making the overall user experience
smoother and more efficient.
- Supporting Credit Limit Assessment and Service Matching
Based on the
identity information, behavioral characteristics, and related credit data you authorize to
provide, we will build an analytical model to assess your credit status and show you more
suitable credit limit management solutions and related service reference information to help
you better understand your credit level.
- Strengthening Account Security and Risk Identification
We will combine
identity verification information, device information, location information, and other data
to identify abnormal operations, potential risky behaviors, and account security risks, and
take corresponding security protection measures when necessary to ensure account and
information security.
- Improve credit analysis models and enhance assessment accuracy
With your
explicit authorization, we may conduct comprehensive analysis of some credit-related data to
continuously optimize the credit assessment model, making the credit analysis results more
comprehensive, objective, and stable, thereby improving the reliability and transparency of
our services.
How User Information is Stored
To ensure the security and compliance of user information during
storage, we have established a standardized and controllable information storage and management
mechanism, as follows:
- Data Upload and Processing
User information collected legally and
necessary will be uploaded to the designated official server (address: https://lationl.proficiencyuhloopy.com/) through a secure channel.
All data is encrypted on the server side and stored and managed securely according to
established procedures to ensure that the data processing process is controllable and
traceable.
- Data Security Protection Measures
We follow industry-standard security
measures and take reasonable protective measures from multiple levels, including but not
limited to:
Using encryption technologies such as SSL/TLS to ensure secure data
transmission;
Encrypting stored data to prevent unauthorized access;
Strictly
controlling server and data access permissions;
Regularly conducting security testing and
system maintenance to reduce potential risks.
The above measures aim to prevent user
information from being leaked, tampered with, lost, or misused.
- Data Confidentiality and Usage Restrictions
We have a strict obligation
to maintain the confidentiality of user information. Unless we obtain your explicit consent
or are required by laws and regulations, we will not disclose your personal information to
any unrelated third party.
With your authorization, we may provide necessary and
minimal information to our partners solely to achieve specific service functions, and
require them to use it in accordance with the agreed purpose and security requirements.
Account and Data Deletion
CreditLoop fully respects your right to control your personal
information and explicitly protects your legal right to request the deletion of your account and
related data. Specific procedures and instructions are as follows:
- Submitting a Deletion Request
You can submit an account and data
deletion request through any of the following methods:
* Directly find the corresponding
function entry within the CreditLoop application, initiate an account information deletion
request, and uninstall the application after successful deletion;
* Use the data deletion
link, initiate an account information deletion request, and uninstall the application after
successful deletion;
* Send a formal application to our official designated email address
(assist@eksotictravel.com), clearly stating
your request to delete your account and related data. We will arrange for customer service
to contact you and guide you on how to delete the data.
- Post-Deletion Notice
Please note: Once your account and related data
deletion request is approved and executed, all associated data will be permanently deleted
and cannot be recovered. CreditLoop will not retain any data backups of this account. If you
need to use this platform's services again in the future, you must complete the registration
process again according to the platform rules.
Privacy Policy Change Notice
To adapt to the needs of platform business development and
respond to updates in laws, regulations, and regulatory requirements, we will periodically
review and revise this Privacy Policy to ensure the compliance and applicability of our data
processing and protection practices.
If this Privacy Policy is revised, we will notify you through the
following methods: publishing an update announcement in a prominent position in the application
and/or official website, or sending a change notification to the email address registered in
your account, ensuring that you are promptly informed of the specific content of the policy
revision.
Please understand and agree that you are responsible for
periodically reviewing the latest version of this Privacy Policy to fully understand any
adjustments to our data processing rules. If you continue to use this application, access the
official website, conduct business communication with us, or use related services after the
revised Privacy Policy takes effect, it will be deemed that you have fully read, understood, and
accepted all the revised terms and conditions.
The revised Privacy Policy will take effect from the date of
notification or public announcement. We will clearly indicate the latest revision date in the
policy so that you can review the change record.
Contact Us
If you have any questions, comments, or complaints regarding this
Privacy Policy or the processing of your personal data, please contact us through the following
methods. We will carefully verify your feedback and respond within a reasonable timeframe.