In this Privacy Policy, "we," "LoanBase," and "our" refer to the operator of the application LoanBase. We collect, use, share, and protect personal information to provide, understand, improve, and develop our services. We strive to explain through this Privacy Policy why, how, and when we collect, use, share, and store personal information.
After successful registration, we will collect and upload the following information and store it on a secure server. If there is a malfunction or failure during data collection and upload, the data will be retrieved and transmitted when the connection is successful. Details are as follows:
1.1 Call Logs
If you authorize us to access call logs, we will obtain voice call records to assess credit risk and prevent fraud. Your call logs will only be downloaded and transmitted through a secure network environment with your explicit consent (data stored at: https://live.ghloanbase.com). We will never share this data with third parties.
1.2 SMS
LoanBase may use your SMS information collected from third-party sources to operate and successfully provide our online loan products and services (stored at: https://live.ghloanbase.com).
1.3 Storage
To facilitate the loan application process, we require you to authorize access to your device storage. This authorization will securely upload required photos and/or documents to complete the loan application form via HTTPS protocol (data stored at: https://live.ghloanbase.com). This will ensure the confidentiality of your data. We will never share this data with third parties. Your safety and information protection is our top priority.
1.4 Applications List
We collect and encrypt information about installed applications to facilitate your loan application. All data will be securely uploaded and encrypted via HTTPS (stored at: https://live.ghloanbase.com). We will never share this data with third parties. Your privacy is of the utmost importance to us.
1.5 Device Information
We collect information about your device to identify and prevent fraudulent behavior.
Device ID, IMEI, MEID, SN, Android ID, OAID, IMSI, ICCID, MAC, IP address, GPS, network type, operating system, system version, screen resolution, and other device information.
All data is encrypted and securely stored. Your safety and privacy are extremely important to us (data stored at: https://live.ghloanbase.com).
1.6 Approximate Location
Collecting approximate location helps to:
Identify potential fraudulent activities and prevent account abuse.
Ensure that credit assessments comply with local regulations and requirements.
Provide financial services tailored to your region.
Data Security & User Control:
We collect this data only with your consent and do not use it for any other purposes.
All data is securely encrypted during transmission and storage and uploaded to the LoanBase server (https://live.ghloanbase.com).
You can manage or revoke location permissions at any time in your device’s Settings.
1.7 Camera
We use your camera for ID card recognition, facial recognition, and to verify user identities. This improves the security and accuracy of identity verification. However, we understand the importance of minimizing permissions, and we will only request camera access when necessary for these specific purposes.
1.8 Advertising Identifier
Purpose: To deliver personalized advertisements and measure the effectiveness of advertising campaigns.
Data Collected:Google Advertising ID (GAID) or Apple IDFA.
Method: We do not directly collect or store this identifier. Our third-party analytics partner, AppsFlyer, processes this data in accordance with their Privacy Policy.
User Control: You may reset or disable this identifier via device settings (e.g., Google Settings > Ads > Reset Advertising ID).
1.9 Device Identifier
Purpose: For fraud prevention, account security, and service optimization.
Data Collected:Device identifiers such as IMEI, MEID, Widevine DRM ID, or hardware serial number.
Processing: These identifiers are encrypted and not linked to your personal identity.
Retention: Stored for 30 days unless required by law.
We are committed to ensuring your rights regarding your personal data. You may exercise the following rights:
2.1 Right to Deletion
You have the right to request the deletion of your personal data. To do so:
Email fb@loanbases.com with the subject "Data Deletion Request."
Provide your registered details for verification.
We will delete your data within 30 days and confirm via email.
2.2 Right to Access
You may request access to the personal data we collect. Steps are as follows:
Email fb@loanbases.com with the subject "Data Access Request."
Provide identifying details to verify your identity.
We will share a copy of your data within 30 days.
2.3 Right to Rectification
If your data is incorrect, you can request corrections. The process is as follows:
Email fb@loanbases.com with the subject "Data Correction Request."
Specify the data to be corrected and provide supporting documentation.
We will update your data within 30 days and confirm.
2.4 Right to Know About Data Sales
We do not sell your personal data. If this changes, we will notify you and provide you with an opt-out option. You can opt out of the sale of your personal data by sending an email to fb@loanbases.com and verifying your information by providing your identity information.
2.5 How to Opt-Out of Data Sale/Targeted Ads
If you wish to opt-out of data processing:
Email fb@loanbases.com with the subject "Data Processing Opt-Out."
Specify the processing activities you want to opt out of (e.g., sharing or targeted ads).
We will confirm opt-out completion within 15 days.
2.6 Right to Know About Data Sharing
We do not sell your personal data. If this changes, we will notify you and provide you with an opt-out option. You can opt out of the sale of your personal data by sending an email to fb@loanbases.com and verifying your information by providing your identity information.
Accessing Data Sharing Details: Users can view details regarding data sharing in the "Settings" section of the app under "Privacy Data." This includes information about what data is shared, when it is shared, with whom it is shared, and the purpose of the sharing.
Email Inquiry for Data Sharing Details: Alternatively, you can send an email to our dedicated email address to request details about data sharing. Please provide your identity information for verification purposes. Once verified, we will respond to your email within 15 days.
Control and Limitation of Data Sharing: We ensure that any data sharing activities are easily accessible and understandable to you. You are informed about how to control or restrict such sharing activities.
2.7 Control Over Advertising Identifier
Accessing Opt-Out of Personalized Ads: Disable ad personalization via device settings (e.g., Google Settings > Ads > Opt out of Ads Personalization).
Reset Advertising ID: Reset your GAID/IDFA to sever its link to past activity.
2.8 Control Over Advertising Identifier
To opt out of device identifier collection, contact fb@loanbases.com. Note: Disabling this may limit fraud protection features.
2.9 Updates to Privacy Policy:
We have added a dedicated section to our Privacy Policy to clearly explain our practices regarding data sharing. This section includes the purpose of data sharing, the third parties involved, and the rights you have to limit or cease data sharing.
Dedicated Section on Data Sharing Practices:Purpose of Data Sharing: We share your data only for the purposes outlined in this policy, such as improving our services, understanding user behavior, and complying with legal obligations.
Third Parties Involved: We may share your data with third-party service providers that assist us in processing your data for the purposes mentioned above. These third parties are contractually obligated to handle your data with the same level of care as we do.
Exercising Your Rights: You have the right to request information about data sharing at any time. You can also request to limit or cease the sharing of your data with third parties. To exercise these rights, please follow the steps outlined in the "How to Opt-Out of Data Sale/Targeted Ads" section.
|
Purpose |
Data Used |
Legal Basis (GDPR/CCPA) |
|
Loan application processing |
SMS, call logs, documents |
Contractual necessity (Art. 6(1)(b), GDPR) |
|
Fraud prevention |
Device identifiers (IMEI, etc.) |
Legitimate interest (Art. 6(1)(f), GDPR) |
|
Ad campaign measurement |
Advertising ID (via AppsFlyer) |
Consent (Art. 6(1)(a), GDPR) |
|
Service optimization |
Application list, network data |
Legitimate interest |
We retain your personal data only as long as necessary to:
Fulfill the purposes outlined in this policy.
Comply with legal obligations.
When data is no longer needed, it will be securely deleted. For questions about data retention, email fb@loanbases.com.
We minimize the use of app permissions.
4.1 Camera Permission
Camera Permission Usage Scenarios:We request access to your camera solely for the purpose of identity verification, which includes ID card recognition and facial recognition to enhance the security and accuracy of the verification process. This permission is necessary for completing certain actions within the app, such as verifying your identity for loan applications.
User Consent for Camera Access:We will only request camera access when it is explicitly required for these specific purposes. Users will be presented with a clear option to grant or deny camera access. It is important to note that denying camera access may result in the inability to complete identity verification processes.
User Control Over Camera Permission:You have full control over your camera permissions. You can choose to deny camera access at any time, and you can also disable or restrict our app's access to the camera in your phone settings under "LoanBase App." However, please be aware that this may affect your ability to use certain features of the app, particularly those related to identity verification.
4.2 Other Permissions
Permissions for call logs, SMS, and storage are strictly limited to processing loan applications. You can manage app permissions via your device settings.
4.3 Third-Party Partners
Analytics: AppsFlyer (installation attribution and GAID processing).
Payment Gateways: Secure transaction processing.
Cloud Providers: Data storage on encrypted servers (e.g., AWS, Google Cloud).
4.4 Legal Compliance
Data may be shared with authorities if required by law (e.g., court orders).
Encryption: All data (including device identifiers) is transmitted via TLS 1.2+ and stored with AES-256 encryption.
Access Control: Strict role-based access to sensitive data.
Audits: Regular security assessments to prevent unauthorized access.
If you suspect unauthorized access, contact fb@loanbases.com immediately.
We do not knowingly collect data from users under 13 (or 16 in the EU). If you believe we have inadvertently collected such data, contact fb@loanbases.com for immediate deletion.
For any questions or concerns about this Privacy Policy, please contact:Email: fb@loanbases.com
We are committed to addressing your concerns promptly and transparently.