By downloading the Mix loan App (" Mix loan " or "App") and clicking Sign Up, these Terms will be detailed for you and you should be sure to read them carefully before using the App. You may not copy or modify the App, any part of the App, or our trademarks in any way. You must not attempt to extract the source code of the Application, nor should you attempt to translate the Application into another language or make derivative versions.
The application stores and processes the personal data you provide to us in order to provide the service. It's your responsibility to keep your phone and apps secure. Regarding our responsibility for your use of the App, when you use the App, it is important to remember that while we strive to ensure that it is always up to date and correct, we do rely on third parties to provide us with information so that we can provide it to you. We will not be liable for any direct or indirect loss suffered by you as a result of your complete reliance on this feature of the application.
We respect your privacy and the confidentiality of your personal information and data. If someone decides to use my Services, this page is used to inform visitors about my policy regarding the collection, use, and disclosure of personal information. If you choose to use My Services, you consent to the collection and use of information in connection with this Policy. The personal information I collect is used to provide and improve the Services. I will not use or share your information with anyone other than as described in this Privacy Policy.
Terms used in this Privacy Policy have the same meanings as in our Terms and Conditions and are accessible on the App unless otherwise defined in this Privacy Policy.
1. Information We Collect
We will obtain information about your personal information (including name, phone number, identity ID, address, email and other) , device data, storage, camera, contacts, SMS, location and app install list from you or relevant third parties as necessary to make decisions about your loan application and provide a smooth product experience.
2. Permissions and why we need them
Device Data: Collects certain information about your phone (such as your phone's unique device identifier), uses profile information, as this information helps us uniquely identify users so that we can detect and prevent any unauthorized device from acting on you.
Storage: This permission is required, and you can upload pictures or files for faster loan approval and disbursement. Moreover, this helps to provide a very smooth and seamless experience when using the app.
Camera: We need to get your phone's camera permission because we need you to submit a current selfie photo when applying for a loan to ensure that the loan is initiated by you and avoid loan disputes.
Contact: We collect, upload and store your contact information, including full name, mobile phone number, contact last modified time, such as the relationship and structure address used to confirm the loan application and emergency contact. We will never call your contact unless you are overdue. In addition, your device's contact information permissions are used for risk analysis and enable us to test reliable references to assess your risk profile.
SMS: We collect, upload and store your SMS information. By accessing text messages, we can identify scammers. Our experiments show that SMS records from scammers often contain text messages about losing credit, so we read records and analyze text messages with fraudulent identifiers for risk management.
App install list: We will obtain a list of app data information installed on your device for security-based purposes only.
Location: We collect and monitor information about the location of your equipment to check our maintainability in your area and provide customized loan offers. This also helps us verify your address and improve your credit assessment process.
3. How We Use Your Information and Data
We use, collect, store, process and analyze your information and data for the following purposes:
Verify your identity;
Assist in credit analysis;
S ettlement and collection;
Provide customer support;
To improve our online lending products and services and your user experience;
To contact you about your account or send you system warning messages;
T o comply with legal requirements or respond to legal requests from relevant authorities;
4. How we protect your information and data
We hereby promise that any personal information you provide or obtained by us will be subject to the highest standards of privacy, security and confidentiality and will not be disclosed to any third party except as required by applicable laws, regulations and regulations. Now we state the specific security measures and security features as follows:
a).Safe technical protection: In order to protect your information security, we resolutely take various reasonable physical, electronic and management security measures in line with industry standards to protect your information, so that your information will not be leaked, damaged or lost, including but not limited to SSL, information encrypted storage, data center access control, etc. We will use advanced encryption technology to improve the security of personal information; we will use reliable protection mechanisms to prevent personal information leakage and malicious attacks.
b).Safe system guarantee: We have an industry-leading data security management system, which improves the security of the entire system from multiple dimensions such as organizational construction, system design, personnel management, operation management, and product technology. At present, in order to improve the security of your use of the services provided by our enterprises and partners, protect your personal and property safety from losses, and better prevent phishing websites, fraud, network vulnerabilities, computer viruses, network attacks, network intrusions, etc. Security risks, more accurately identify whether there are violations of laws and regulations or the rules of our customer-related agreements, our enterprise provides the highest degree of protection for the system.
c).Safe personnel management: We regularly organize security and privacy protection training sessions to enhance employees' awareness of the importance of protecting your personal information. We strictly manage employees who may have access to your information, sign non-disclosure agreements with them, and closely monitor their work. We will protect your information by providing the highest level of security measures based on available technology. We will do our best to prevent your information from being leaked, damaged or lost.
5. Changes to the Privacy Policy
We may update our Privacy Policy from time to time. Therefore, it is recommended that you check this page regularly for any changes. I will notify you of any changes by posting the new Privacy Policy on this page.
6. Contact Us
We have established a dedicated personal information protection department. If you have any questions, comments or suggestions about this Privacy Policy, you can contact us in the following ways and we will respond to your request within 15 working days:
Contact email: Andyjpyvm@gmail.com
Contact address: 25, 2nd Guggisberg Link New Mamprobi Accra