Privacy Policy

We at Smart Finance understand privacy and its value. Therefore, we need to let you ("you" or "customer" or "user") know how Smart Finance (hereinafter referred to as the platform application) collects, uses and stores your information and why we collect, use and store this information.

Your consent

We collect and process personal information to provide financial services, ensure compliance with legal requirements and enhance user experience. By downloading, installing or using the Smart Finance application, you consent to the collection and use of your data as described in this policy. If you do not agree, we recommend that you do not use the application.

Information we collect

Personal information

We collect personal details, including but not limited to your phone number, email, full name, gender, date of birth, address, occupation and income and other personal information that will help us assess your loan eligibility and prevent fraudulent activities. This data will be securely uploaded to https://api.smartfinanceapp.com/ and deleted after the assessment of your loan eligibility is completed.

SMS Information

We only collect your SMS messages containing financial information. Specifically, the content includes: account details, transaction amount and date, which will help us assess your loan eligibility and prevent fraudulent activities. This data will be securely uploaded to https://api.smartfinanceapp.com/ and deleted after the evaluation is complete.

Installed Apps

We collect information about installed apps, including app name, installation time, package name, update time, and version name and version code. This information helps us evaluate your loan eligibility and prevent fraudulent activities. This data will be securely uploaded to https://api.smartfinanceapp.com/ and deleted after the evaluation is complete.

Device Information

We collect information about your device, including but not limited to model, IMEI number, Google advertising ID, operating system and resolution, and other device information. This data will help us improve our app and continuously optimize your experience. This data will be securely transmitted to https://api.smartfinanceapp.com/ and deleted after the evaluation.

Camera and Media Access:

During the loan application process, we may request access to your device's camera and media files to upload necessary documents, such as KYC identity proof, which can facilitate your submission of information. All data will be securely transmitted to https://api.smartfinanceapp.com/ and deleted after successful completion of the evaluation

Use of Information

We will only collect and use your personal information with your explicit consent. If you do not consent to us obtaining the above information, you can still browse our application, but you may not be able to use our services.

Purpose of Information Collection

Account creation and verification.

Provide financial services and products.

Comply with legal and regulatory requirements.

Perform KYC verification and loan approval.

Process payments and handle inquiries.

Verify transaction requests.

Provide personalized services and enhance user experience.

Perform product reviews and updates.

Perform credit checks and prevent fraud.

Resolve technical issues and provide customer support.

Fulfill legal obligations required by law.

Disclosure to third parties

We will disclose and share your information with our lending partners to facilitate loans or assess your information credit. In addition, based on legal obligations and government requests or orders, we may share your personal information with government agencies, quasi-governmental agencies, judicial agencies and quasi-judicial agencies. By accepting this Privacy Policy, you hereby consent to the disclosure of your personal information for such regulatory disclosures. However, please be assured that we will seek your explicit consent if we share your data with third parties. Apart from this, we will not disclose or share any of your personal information with any third party. Your personal information is strictly protected.

Data Security

We use the highest level of security protocols to protect your data including SSL encryption, secure storage solutions and multiple layers of protection.

Only authorized personnel have access to your data, and these personnel are bound by strict confidentiality agreements.

We comply with all laws and regulations regarding data privacy.

We utilize the latest security technologies such as multi-factor authentication to protect your data.

When your personal data is no longer required for the purposes outlined in this statement, we will delete it.

External Website Links

Our application may contain links to third-party websites. We recommend that you carefully review their privacy policies before using their websites, as we cannot control their practices and cannot be responsible for the privacy policies of third-party websites.

Children Policy

Smart Finance services are strictly intended for users aged 18 and above. We do not collect information from minors. If we discover such collection, we will delete the data immediately. If you are a parent or guardian and believe that your child has shared personal data with us, please contact us immediately to resolve the issue.

Your Rights and Consent

By using Smart Finance, you consent to the collection, use and processing of your data as described in this Privacy Policy. You also consent to updates and changes to this policy. Revisions will be communicated through updates to this page. Continued use of the app implies acceptance of any changes.

Policy Updates

This Privacy Policy may be updated periodically to reflect changes in our practices or legal requirements. All updates will be posted here and will be effective immediately unless otherwise stated. Please review this policy regularly to stay informed of any changes.

Contact Information

If you have any questions, concerns or feedback about this Privacy Policy, please contact us:

Email: info@ninesignetfin.com