This Privacy Agreement is developed by DataFlash Limited and applies to the QuickLoan application (hereinafter referred to as "QuickLoan" or "this application"). QuickLoan provides you with personal loan services in Bengal

Introduction

QuickLoan is a mobile application that provides loan services to users in Bangladesh. You can apply for short-term loans through the App, which requires us to collect, store, verify, and validate your personal information. We value your privacy and have established this Privacy Policy to outline our practices regarding the collection, use, and disclosure of personal information.

Personal information collection

When registering and applying for a loan, we will collect your name, ID number, contact information, occupation, income and other information. This data will be used to comprehensively evaluate your loan eligibility and credit status in order to match you with suitable loan products, and to send repayment reminders and service communications. All personal information is transmitted via SSL encryption technology and stored on a secure server: https://api.quikloans.store. It will never be disclosed to a third party without your authorization.

Location permission

Before applying for a loan, we need to obtain your approximate location information. This information is used to recommend loan solutions that comply with local financial policies and market conditions, and to provide localized customer service and support. Furthermore, we only provide loan services to Bangladeshi citizens, so we need to use your location information to determine whether you meet the application requirements. This data will be encrypted and uploaded to our server: https://api.quikloans.store

Camera permission instructions

When filling in the loan information, you need to upload a photo of your ID card/bank card or perform face recognition authentication. The camera function supports direct photo shooting to improve operational efficiency. The camera will not be used for other shooting operations without your explicit authorization. The photos taken are only used for loan applications and related service processes, and are uploaded to the server in encrypted form: https://api.quikloans.store After use, they will be saved or destroyed in accordance with regulations.

Application list permissions

To protect the security of your funds and data, we will collect the application information you actively installed in the application market (excluding device native application data). Scan the device to detect high-risk applications, Trojans, viruses and other harmful programs. If such applications are found, it may affect your credit score. The relevant data will be uploaded to the server in encrypted form: https://api.quikloans.store, and deleted regularly.

Contact information permissions

This permission is mainly used for irregular telephone return visits to understand user needs and optimize application functions. At the same time, when further verification of loan application information is required but you cannot be contacted directly, the emergency contact information will be used as a backup contact information. We only use your contact information in necessary scenarios related to loan services and strictly protect the information from being leaked. The data will be encrypted and uploaded to the server: https://api.quikloans.store

SMS permissions

We need access to some user SMS messages to ensure the authenticity of applicants and prevent loan fraud. This information is primarily used to determine whether users use real devices to conduct independent loan transactions, and whether multiple loan transactions are made using the same device or number. Such situations may be considered loan fraud. In addition, we strictly adhere to Google's privacy policy and only collect the following financial information: ['টাকা','অভিনন্দন','টাকা সমন্বয়','ট্রানজ্যাকশন','সফল',

'Balance','Tk','cash','amount','TrxID','bKash','received','deposit','Debit','Credit','fee','BDT','txnid','taka','uddokta ','transaction','ref','account','money','loan','deducted','win','A/C','payment','fee','bill','purchase','atm','wallet']. This information is used to assess the user's financial status, and our credit model will determine the appropriate credit limit based on the user's financial activity. The collected information will be encrypted and uploaded to our server: https://api.quikloans.store, and deleted within 6 hours of approval.

Device permissions

We will collect device information (such as device model, operating system version, IMEI, MAC address, etc.) to adapt to different devices, ensure stable operation of the application, improve user experience, and prevent virtual device loan fraud. Device information can also be used for security protection, such as identifying abnormal logins and preventing fraud attacks. We will encrypt and store device information and will not improperly associate it with your personal sensitive information to protect your privacy and device security. The relevant data will be encrypted and uploaded to the server: https://api.quikloans.store

Use of Personal Information：

(I) Core Business Purposes

Process your loan application, including but not limited to identity verification, credit assessment, matching with lenders, and loan issuance process.

Provide you with loan services, including loan amount determination, repayment arrangements, overdue reminders, etc.

Monitor and manage loan risks to ensure the security and sustainable development of our business.

(II) Other Purposes

Improve and optimize our services, and enhance the functionality and user experience of the application by analyzing your usage data and feedback.

Communicate with you, including sending you service-related notifications and messages, such as loan approval results, repayment reminders, application updates, etc.

Conduct internal audits, data analysis and research to improve our products and services and better meet user needs.

Storage of Personal Information：

(I) Storage Location

We will store your personal information in an encrypted server. If it is necessary to transfer your personal information overseas, we will obtain your explicit consent in advance and take appropriate measures to ensure that your personal information is adequately protected overseas.

(II) Storage Period

We will determine the storage period of your personal information in accordance with the requirements of laws and regulations and business needs. After your loan application is processed and the relevant business activities are completed, we will delete or anonymize your personal information in accordance with regulations, unless otherwise required by laws and regulations or you agree to retain it separately.

Security protection of personal information：

(I) Security measures

We attach great importance to the security of your personal information and have taken a series of reasonable security measures to protect your personal information, including but not limited to:

Encrypt your personal information to ensure the confidentiality of data during storage and transmission;

Implement access control measures to limit access to your personal information to authorized personnel only, and record and audit access;

Regularly scan and repair the system for security vulnerabilities to prevent hacker attacks, data leaks and other security incidents;

(II) Security incident handling

If a personal information security incident unfortunately occurs, we will immediately activate the emergency plan and take measures to reduce the losses and impacts caused by the incident. We will promptly inform you of the basic situation of the incident and the measures we have taken. If it involves the leakage of your sensitive information, we will report to the relevant regulatory authorities in accordance with the requirements of laws and regulations.

Your rights

(i) Right of access

You have the right to access the personal information you provide in QuickLoan at any time, including registration information, loan application information, etc. You can view and obtain your personal information in the relevant settings or personal information management interface by logging into this application.

(ii) Right of correction

If you find that the personal information we collect and store is wrong or inaccurate, you have the right to ask us to correct it. You can make a correction request to us through the feedback channel provided in this application or contact our customer service team, and we will handle it in a timely manner after verification.

(iii) Right of deletion

In compliance with the provisions of laws and regulations, you have the right to ask us to delete your personal information. For example, if we no longer need your personal information for the original collection purpose, or you withdraw your consent to our use of your personal information, you can make a deletion request to us. We will delete your personal information in a timely manner after verification, except as otherwise provided by laws and regulations.

(iv) Right to withdraw consent

You have the right to withdraw your consent to our collection and use of your personal information at any time. You can exercise the right to withdraw consent by changing the relevant settings in this application or contacting our customer service team. After withdrawing your consent, we will no longer collect and use your personal information for the purposes you previously agreed to, but this will not affect the legal processing we have already carried out before you withdraw your consent.

(V) Right to complain

If you have any questions, comments or complaints about our handling of your personal information, you can contact our customer service team in the following ways: [Specific contact information, such as customer service email, customer service phone number, etc.]. We will handle your questions as soon as possible and give you a reply within a reasonable time.

Protection of minors :

This application does not provide services to minors. We will not intentionally collect personal information from minors. If we find that we have accidentally collected personal information from minors, we will immediately take measures to delete the relevant information. If you think we may have collected your personal information as a minor, please contact us in time and we will deal with it as soon as possible.

Changes to the Privacy Policy :

We may revise this Privacy Policy based on changes in laws and regulations, business development needs or other reasonable reasons. We will publish the revised Privacy Policy in this application and notify you through in-app notifications, emails or other appropriate methods within 30 days of publication. If the revised Privacy Policy has a significant impact on your rights, we will clearly state it in the notification and, if necessary, re-ask for your consent. If you continue to use this App after we post the revised Privacy Policy, you agree to be bound by the revised Privacy Policy.

If any provision of this Privacy Agreement is deemed invalid or unenforceable, it will not affect the validity and enforceability of other provisions. We will do our best to modify the invalid or unenforceable provisions to make them comply with the requirements of laws and regulations and to achieve the intent of the original provisions to the greatest extent possible.

DataFlash Limited