Privacy Agreement

1. About this Agreement

This Privacy Policy describes the collection, use and disclosure of your information by ${appName}. This Privacy Policy applies to information we collect when you register, access or use the ${appName} mobile app, products and services, or when you interact with us.
Before clicking to accept this agreement, you must read this agreement carefully. Please ensure that you have read and fully understand each chapter.
If you disagree with any content of the Privacy Policy or you are unable to understand the terms accurately, please do not click to accept this Privacy Policy or use services under this Privacy Policy. Otherwise, you are deemed to have accepted this Privacy Policy.
We promise to protect the privacy of your personal information within a reasonable scope in accordance with applicable laws and regulations. We will not disclose your information without your permission, except as permitted or required by law to provide your information to government agencies, courts, or other legal instruments that grant the right to disclose personal information.

2. Collection and use of information

We require the following permissions for the app to function properly. In order for the ${appName} app to evaluate your loan application correctly, we need to obtain the following permissions. We can only access with your consent.
Personal Information: including name, phone number, ID number, status, occupation, address, monthly income, emergency contact and other information. employment, address, monthly income, emergency contact and other information of users and/or registered users under the law and of the user and/or registered user under applicable laws and applicable laws and regulations.
Bank information: To evaluate your loan application and pay the loan funds according to your bank account information as soon as your loan is successful, we need to get your name, bank account opening, bank account number and other information. your name, account opening bank, bank account number and other relevant information. relevant information.
Location: To determine if you are within our service area and recommend better loan products and services products and services to you based on this, we need to access information about your location, including country or area code, city code, latitude and longitude information, mobile network code, etc. latitude and longitude, mobile network code, etc.
Camera: To verify a user's authenticity and to help improve the user's credit score, we need access to your camera to take photos camera to take photos required for authentication, user-approved facial recognition, or other features.
Network: To identify the authenticity of a user, we need to check your current network status, identify the status of software running on your device, and use it as a communication network.
as a communication network. Device information: We need to obtain your device information including mobile device type, device ID, IP address, SSAID, MAC address, hardware version, operating system version, and IMEI information to review your loan qualification and identify the security of your mobile phone device.

3. Protection of personal information

We are committed to protecting the data security of the information you provide to us. To prevent unauthorised parties from obtaining, misusing, altering your personal data, your personal information will be stored on secure servers and protected by information will be stored on a secure server and protected by strictly controlled facilities. strictly controlled facilities.
We structure your data according to your interests and sensitivities and guarantee the highest level of security for your personal information. However, you should be aware that using the internet is not always safe and please use your personal information with caution.
We hereby declare and assure you that we are committed to complying with India laws and regulations regarding protection of personal data.

4.FACIAL DATA COLLECTION AND USE AGREEMENT:

To ensure the authenticity and security of your account, our application may collect your facial information during the Know Your Customer (KYC) verification process. Please carefully read the following detailed explanation of our facial data collection and use practices.
Facial Data Collection We may collect facial information, including, but not limited to, facial characteristics and biometric data. This information is collected to verify your identity and ensure the security of your account.
Purpose of Data Use The facial information collected is used solely for KYC verification to ensure your account is authentic and secure. We undertake that these details will not be used for any other commercial purpose.
Data Sharing Your facial information will be kept strictly confidential and will not be shared with third parties unless required by law or with your explicit consent.
Data Storage All facial information will be stored securely on our servers, and the necessary technical and organizational measures will be taken to ensure the security of your data.
Data Retention Period We will retain facial information only for as long as reasonably necessary for KYC verification. Once the verification process is complete, we will take immediate steps to delete or anonymize this information.
User Rights You have the right to access, correct or delete your facial information at any time. If you have any questions or requests related to the collection and use of your information, please do not hesitate to contact our privacy team.

5. Face Data

During the use of the application, we will collect your facial data. Our application only collects facial photos during the identity verification step. No other data is collected during this step. We collect user facial photos to confirm whether the current account belongs to the same person to avoid risks and fraud. In addition, we also need to determine whether the user is a real person to prevent property losses caused by machine operation loopholes and transmit and save your facial photos to ${api} in a secure and encrypted manner. The facial photos we collect will not be shared with any third-party services. When the user actively uses facial recognition, the picture will be uploaded to our server through encryption technology. After facial recognition, there will be no more facial photos in the user's mobile phone, which is safer. The data will be used for face similarity comparison of ID card photos to confirm whether the loan application is implemented by the user himself, so as to avoid financial losses to the user due to information leakage. After the face similarity comparison is completed, we will delete the user's facial data, and we will not share the user's facial data with any third party.

6. Disclosure of personal information

We may disclose some or all of your personal data to other parties under the following specific conditions:
6.1 Provide personal information to government agencies, court, or other government agency as authorised or required by law or required by law; suspected criminal offences, including but not limited to crimes of fraud or money laundering; ongoing or future legal proceedings; your ongoing or future legal proceedings; you agree to the above Circumstances where we may provide your personal information without your prior consent, you are without your prior consent, you hereby release us from any claims and/or losses that may arise from the disclosure of such personal information. arise from the disclosure of such personal information.
6.2 You agree that we send, store, use and process personal information in India and other jurisdictions as appropriate in accordance with India laws and regulations.

7. Use of Cookies

To ensure a smoother experience when you log in and use use Koin Box, we need your consent to use cookies. Cookies are small data files that a website on your device's hard drive or memory to maintain your preferences and account settings, support the integrity of our registration process. Cookies do not track personal user information, and all of our cookie data is encrypted and not readable by other platforms.

8. Loan Provider Information

Loan Provider: ${lender}
CIN: ${cin}
Email: ${email}
Financial License: ${licenseDate}
Registered Address: ${address}