Privacy Policy

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Privacy Policy

Permissions Disclosure

SMS Permissions

1. We need access to your SMS messages, including the message text, sender details, and date, in order to assess your loan eligibility and create your credit profile.

2. With your explicit consent, our app will access your SMS data for the first eligibility check. Only filtered SMS messages will be collected and sent by us.

The information collected will directly affect your loan approval procedure, aiding in fraud detection and risk assessment.

3. If you choose not to click the "Apply" button or do not grant permission, your SMS data will remain on your device and not be forwarded to our system.

4. All SMS data transferred to our server is securely protected using industry-standard protocols.

Preserving your privacy is our top priority. We will never provide your SMS data to a third party without your explicit consent.

Warnings

You may receive push alerts for important account changes, payment reminders, and special offers. You can choose to ignore these alerts without affecting how your app functions.

Emergency Contact Information

Specifications of the Device

Network Information

1. ADID/GAID: We collect your Google Advertising ID (GAID) in order to analyze ad data and improve your advertising experience.

2. ACCESS_WIFI_STATE: We gather information about your Wi-Fi network to assess risk and spot any anomalies.

3. ACCESS_NETWORK_STATE: We collect your network data, including IP address, connection status, and network type, to assess risk and avoid data loss during network disruptions.

4. Other information: simCountryIso, simOperator, networkType, macAddress, and so on

KYC

When you use our services, we could ask you for certain personally identifying information that could be used to identify or contact you. Examples of personally identifiable information include, but are not limited to, the following:

Applications List

Data Use:

We will collect the version number, app name, installation time, last update time, and package name of the installation package in order to prevent unwanted access to your personal data, improve fraud prevention, protect account security, and confirm that you are an authorized user.

How Data Security Is Assured:

The collected data will be extensively encrypted and securely uploaded via an HTTPS server. No other parties will receive your information without your permission.

Location

3. How We Ensure Data Security We promise that your SMS messages will be sent over HTTPS and encrypted. No other parties will receive your information without your permission.

The camera

Data Storage and Security

All collected data is securely sent to our servers using cutting-edge encryption and security protocols. No third party will have access to your data unless you specifically consent. If you decide not to apply, however, none of the data will be posted.

Utilizing Data

We obtain your personal information using the two techniques below:

2. Information we proactively collect: When you use our website, app, and related services, we collect information from your computer, smartphone, and other access devices.

How We Make Use of Your Data

The data we collect helps us to:

Verify your identity.

Create credit scoring models.

Evaluate loan offers and monitor credit histories.

Pay attention to collections and payment trends.

This information may be used to assess and qualify your creditworthiness, to verify your identity, to assess the degree of risk associated with your credit request, and for statistical reasons, among other uses described in the section below.

Transmission and Exchange of Data

In the following situations, AspirePro may exchange or transmit personal information:

1. Companies, Affiliates, or AspirePro Group Subsidiaries:

Reason: To do statistical analysis, evaluate performance, create new products, and enhance services.

2. Service suppliers or independent third parties:

Reason: To encourage the delivery of credit-related services.

3. Governmental, judicial, or administrative authorities:

Reason: To follow judicial or legal orders.

4. Information security, risk management, or software providers:

Reason: To prevent fraud and for security purposes.

5. Business Associates:

Reason: To advertise the item.

By using the AspirePro, you agree to the data collection, usage, and sharing practices outlined in this notice. With your consent, we may provide clear, safe, and efficient lending services that are tailored to your budgetary needs.

To safeguard your privacy, we have the following rules on the collection and use of data.

SPECIAL SECURITY OF IT

All capitalized terms in this Privacy Policy shall have the same meaning as those in our conditions of use, unless otherwise indicated (where applicable).

WHAT WE HAVE FOUND ABOUT YOU IS BELOW

DATA OBTAINED FROM EXTERNAL SOURCES

Among other things, you have the right to provide personal information about your friends, family, coworkers, and emergency contacts. You'll need their permission to accomplish this. For further information, see the "ACKNOWLEDGMENT AND ACCEPTANCE" section immediately below.

MAKING USE OF THE DATA WE HAVE COLLECTED ABOUT CERTAIN PEOPLE

We are authorized to use the personal data we have collected for the legally mandated purposes.

1. Your personal information may be used for the following purposes:

(1) To register you, confirm your identity, and monitor your credit and account status;

(2) We will finish any required evaluations or reviews prior to setting up an account for you.

(3) Repay the loan and receive compensation for your labor.

(4) To develop techniques for evaluating credit and determining creditworthiness;

(5) To ensure compliance with all applicable laws, regulations, and guidelines, including those concerning anti-money laundering and "know-your-customer" duties;

(6) To contact you and furnish you with pertinent application details;

(7) To inform you of any changes made to the service or application, such as the inclusion of transaction or interest fees;

(8) To answer your queries and remarks;

(9) To enhance the application by assessment, modification, and upgrading to better meet your needs as a user;

(10) To achieve the goals specified in this Privacy Policy and the Terms of Use, we may send you automated or prerecorded emails or text messages (SMS).

(11) To keep an eye on and examine user traits and conduct, including how they make use of the program's features and any new trends that may emerge;

(12) To send you promotional materials and to let you know about special offers and discounts.

2. Even while your personal information may be used for more broad reasons, we will always ensure that it is handled securely and for the fewest possible purposes.

(1) To oversee the company's main activities;

(2) To supervise the use of the application and offer assistance, management, and improvements to its features, functioning, and user contentment;

(3) To fix any mistakes or technical problems that could occur with the program;

(4) To generate anonymized data for product development research, testing, and analysis;

(5) To identify, look into, and stop any illegal, unapproved, dishonest, or forbidden action;