1. Introduction
This Privacy Policy (hereinafter referred to as "this Policy") describes ZentovraCredit's (hereinafter referred to as "we", "our", or "us") practices regarding the collection, storage, use, processing, and disclosure of personal data that you (hereinafter referred to as "you") choose to share with us.
At ZentovraCredit, we are committed to protecting your personal data and respecting your privacy. Please read this Policy carefully to understand how we handle your personal data.
By using our services, you agree to the collection and use of information in accordance with this Policy.
2. What Information We Collect
To provide our credit assessment services, we may request certain permissions and collect necessary information. All data is encrypted during transmission and storage.
• Basic Personal Information
We may collect information such as your name, date of birth, gender, education, occupation, and income details for identity verification and generating credit assessment reports.
• Camera Permission
During the credit scoring assessment process, users can choose to upload a photo of their ID card. This photo is only used for user identity verification and risk control during the assessment process and will not be used for any other purpose, nor will it be shared with any third party or processed in any other way.
• SMS Permission
This platform will collect, access, and store your financial/transaction SMS messages during the credit assessment process to evaluate income, track and analyze financial expenditures, and thus determine your credit status. This data is only used for credit risk assessment. The assessment process is automated, and all SMS messages are encrypted. This platform will not read or store any of your personal SMS data, nor will it share your SMS messages with any third party. All data is encrypted and transmitted securely to: https://api.zentovracredit.cfd
• Approximate Location
We may collect approximate location data (such as network-based location) for risk analysis and service optimization.
• Device Information
We collect device-related information such as model, OS version, language, and device identifiers to enhance security, prevent fraud, and improve service performance.
• Installed Applications Information
To perform device risk identification, anti-fraud monitoring, and improve the accuracy of credit assessment, we will access some of the installed application list information on your device. We only obtain necessary fields, such as application name, package name, and installation time, and will not collect any application content or account data. The obtained information will be filtered by package name, encrypted, and uploaded to our servers for storage. We highly value user data privacy and security protection and take strict measures to ensure that this information is not misused or leaked.
3. Purpose of Data Collection
We use collected data for the following purposes:
• To generate credit assessment and insights;
• To verify user identity;
• To detect and prevent fraud;
• To improve our services and user experience;
• To comply with legal and regulatory requirements.
4. Data Security
We implement appropriate technical and organizational measures to protect your data, including:
• Encryption (SSL/TLS);
• Secure storage systems;
• Access control and monitoring;
• Regular security reviews.
However, no method of transmission over the Internet is completely secure.
5. Data Retention Practices
We only keep personal data for the duration necessary to offer our services or fulfill legal, regulatory, or compliance requirements. If you ask for the deletion of your account or personal data, we'll handle your request, except when retention is needed for legitimate purposes, audits, or dispute settlement.
Information that has been anonymized and can't identify you might be kept for internal analysis and service enhancement.
6. Your Rights
You may:
• Access or update your personal data;
• Request deletion of your data;
• Withdraw consent for optional permissions;
• Contact us for privacy-related concerns.
7. Policy Updates
We may update this Policy from time to time. Continued use of the app constitutes acceptance of the updated Policy.
8. Contact Us
If you have any questions, please contact us at: help@zentovracredit.com