Privacy Policy

This Privacy Policy applies to the "CrediCash" application (hereinafter referred to as "this Application") developed and operated by ZINGOOL TECHNOLOGIES PRIVATE LIMITED.

We place great importance on the protection of your personal information and privacy, and are committed to collecting, using, and protecting your information in compliance with current laws. Before using this Application, please carefully read this Privacy Policy to understand how we handle your personal information. We strictly comply with India's Personal Data Protection Act and relevant laws and regulations, and refer to applicable international information security standards to ensure the security of your personal information and your privacy rights.

Policy Statement

This Privacy Policy details how we legally collect, use, store, share, and transfer your personal information during the provision of CrediCash products and related services, and explains the technical and management measures we take to protect information security. For clarity, we use clear and concise language and define key terms within the policy content.

By registering, you indicate that you have fully read this Privacy Policy and agree to our collection and use of your personal information according to this policy and relevant legal provisions. Before deciding whether to provide us with sensitive information, please carefully consider whether you agree to our use of such sensitive information for the purposes and methods described in this policy. We will only collect and use your sensitive information with your explicit consent, to ensure the proper functioning of CrediCash services. You have the right to refuse to provide sensitive information, but this may affect the use of certain functions. If you do not agree to or cannot understand all or part of this policy, please immediately stop using our products and/or services. If you have any questions, please contact customer service.

This Application and its services are only available to adults aged 18 years or older. If you are under 18, please immediately stop using CrediCash services.

This Privacy Policy will help you understand the following:

  • The information we collect and how it is used
  • Use of personal information
  • Sharing of personal information
  • How we protect your personal information
  • How we safeguard your rights to manage your personal information
  • Third-party access and data sharing policy
  • Use of Cookies
  • Protection of minors' privacy
  • How we update and change this policy
  • Contact us, feedback

1. Information We Collect and How It Is Used

We will collect and use your personal information based on the principles of legality, fairness, and necessity, in accordance with India's current laws and regulations and for the purposes stated in this Privacy Policy. The personal information we collect includes information you actively provide when using CrediCash services, information generated during your use of the services, and information we legally obtain from third parties. We will only collect and use relevant information after obtaining your explicit consent. Except where otherwise provided by laws and regulations or to protect your or others' significant legitimate interests, we will not collect relevant information without your consent, nor will we collect personal information prohibited by laws and regulations.

1.1 Account Registration and Login

When you use the CrediCash application and related services for account registration, we only collect your mobile phone number as the sole registration information. This phone number is used for identity verification, account creation, and login verification, serving as an important basis for ensuring account security, identifying user identity, and ensuring the smooth provision of services. We commit to strictly complying with relevant laws and regulations and taking reasonable technical and management measures to protect the security of your phone number. Apart from information you actively provide, we will not collect other personal information. If you refuse to provide your phone number or if the phone number fails verification, you will not be able to complete registration or login, thereby affecting the use of certain service functions. If you have any questions or need help during use, please feel free to contact CrediCash customer service; we will provide you with support and assistance wholeheartedly.

1.2 Collection and Use of Personal Information

During your use of CrediCash services, you need to truthfully provide valid identity information. This information will be used to assist financial partner institutions in risk assessment and loan eligibility review. This information includes name, gender, date of birth, type and number of identification document, ID photo, biometric data, education level, marital status, religious belief, emergency contact name and phone number, relationship with emergency contact, occupation, employer information, salary income, bank account information, etc.

We may entrust third parties with legal qualifications to conduct identity verification; at the same time, according to legal provisions, we may also conduct information verification and comparison with national agencies or relevant financial institutions legally authorized to store data. Collected information will be used for purposes such as identity identification, risk assessment, service recommendation, and ensuring transaction security between the platform and users. We commit to collecting and using your information only within the scope necessary for contract performance or service provision and with your explicit consent, and will take strict technical and management measures to ensure data security. If you refuse to provide relevant identity information, it may affect the use of certain loan matching functions, but will not prevent you from browsing the platform's basic service content.

1.3 Collection and Use of Device Information

To ensure the stable operation of the platform, transaction security, service quality improvement, and enhanced risk control and anti-fraud capabilities, when you use the CrediCash application and related services, we may collect the following device information:

  • Device Information: To ensure platform security, identify devices, and conduct risk control, we may collect certain of your device information for identity verification, risk assessment, and anti-fraud analysis to enhance the security and accuracy of credit services. If you choose not to provide the following device information, it will not affect the use of basic functions, but may affect the accuracy of our identification of your risk level, thereby affecting the recommendation and evaluation results of loan services. The information we may collect includes: device name, device model, device brand, operating system and version, screen size, memory information, Android ID, IP address, Google Advertising ID (Google advertising identifier), language settings, carrier name, network access method, battery status, etc.
  • SMS: When you apply for a loan, we require your permission to access SMS messages. During the application process, we filter and collect financial-related SMS messages from your device. The collected information includes the following fields: address, body, date, type, _id, date_sent, read, seen, status, and person. By analyzing your financial SMS messages, we can understand your income and expenditure, helping us assess your risk profile and creditworthiness. This data will help improve the efficiency of your loan application process and enable you to successfully obtain loans from regulated financial institutions that partner with our platform. We only collect SMS messages with your explicit consent. SMS messages will be uploaded to https://cc1401.com. We strive to ensure the security of your data, and data transmission is protected by 256-bit TLS encryption. After assessing your risk and creditworthiness, we will delete the SMS messages.
  • Call Log Permission: During the verification code login process, you may encounter issues receiving verification codes via SMS. To solve this problem and smoothly complete login, we provide a method of sending verification codes via phone call. Granting this permission will speed up voice verification. Please note that this permission is optional; you can refuse it without affecting your usage.
  • List of Installed Applications: To enhance risk management capabilities and ensure the compliance and security of loan services, we may, with your explicit authorization, collect the list of applications installed on your device. By analyzing this application information, we can identify potential high-risk behaviors such as gambling, illegal loans, and virtual currency transactions, thereby optimizing risk models and adjusting risk control strategies. The application information we may collect includes: application name, package name, installation and update time, version number, whether it is a system application, etc. All collected data will be securely uploaded to an encrypted center, stored at https://cc1401.com, and protected with encryption measures. Without your authorization, it will not be used for other purposes or disclosed to any third party. If you refuse to authorize this permission, it will not affect the platform's basic functions, but may affect the accuracy of personalized recommendations and risk judgments.
  • Phone Contact Information: When you use our application to apply for a loan, we may need to obtain emergency contact information from your contacts to prevent fraud and risks, confirm your credit rating, and ensure smooth communication with you. This information includes the contact's phone number, name, and your relationship with the contact. All collected data will be securely uploaded to an encrypted center, stored at https://cc1401.com, and protected with encryption measures. Without your authorization, it will not be used for other purposes or disclosed to any third party.
  • Camera Permission: To ensure the security and compliance of the identity verification process, when you use the identity verification function, we may request access to your device's camera to take a photo of your ID (KTP) to verify the authenticity and consistency of your identity information, prevent identity theft and fraud, and enhance verification security. The collected image data is only used for identity verification purposes, stored at https://cc1401.com, and protected with encryption measures. Without your authorization, it will not be used for other purposes or disclosed to any third party. If you refuse to authorize camera permission, it may lead to verification failure, thereby affecting the use of related loan services.
  • Images: When using the identity verification function, you may also choose to select a photo of your ID (KTP) from your gallery to verify the authenticity and consistency of your identity information. We will not request or store any other types of image information. The collected image data is only used for identity verification purposes, stored at https://cc1401.com, and protected with encryption measures. Without your authorization, it will not be used for other purposes or disclosed to any third party.
  • Approximate Location Information Permission: To verify account security, conduct risk assessment, and meet relevant regulatory requirements, when you use the CrediCash application, we may collect approximate location information from your device. By analyzing location data, we can identify abnormal account behaviors (such as logging in across regions in a short time or applying for loans from different locations), promptly activate risk control mechanisms, prevent fraudulent activities, and ensure account and transaction security. The approximate location data we collect includes: latitude and longitude. This type of information is only used for risk control and compliance purposes, not for advertising targeting or marketing purposes. If you refuse to authorize, it will not affect the use of basic functions, but may affect our ability to identify risks, thereby affecting the accuracy of loan matching and risk assessment.
  • Notification Permission: To timely send you key information such as loan progress, policy updates, and risk warnings, we need to obtain your notification authorization. After authorization, you will receive the above important information in a timely manner, which helps better manage loans and ensure account security. If you refuse authorization, you may miss some important notifications, but this will not affect your normal application or use of loan services. We will only send loan service-related information through the notification permission and will not collect your personal information through this permission, ensuring your privacy security.
  • Activity Logs: During your use of this platform, we may collect your operation logs, including access time, accessed pages, click records, etc. This type of log data is used to analyze the platform's operating status, evaluate system performance, discover potential faults and security risks, and continuously optimize product functions and user experience. We commit that this type of log data is only used for internal service improvement, kept strictly confidential, not used for other purposes, and will not be disclosed to third parties without your consent.

Collecting this information is only for assessing your credit status, verifying your identity, and maintaining your account security. Before collecting any information, we will clearly inform you of the type of information required. We will only collect information with your explicit consent. Without your consent, we will not collect any relevant information, nor will we share or transfer this information to any third party. We are committed to implementing strict security measures to maximize the protection of your personal information and prevent unauthorized access, disclosure, or abuse.

2. Use of Personal Information

2.1 Rules for Using Personal Information

We use your personal information based on the principles of legality, fairness, and necessity. The specific rules are as follows:

  • We only use your personal information within the scope described in this policy and solely for the purpose of providing services. If we need to use your information for other purposes not covered by this policy, we will, according to applicable laws, regulations, and standards, obtain your explicit consent in advance.
  • We only collect and use your information in the minimal manner necessary to achieve business functions, avoiding excessive processing and ensuring compliance with the data minimization principle.
  • To ensure data security and improve service quality, we may de-identify or anonymize the collected personal information. The processed data no longer points to a specific individual. You agree that we may use such data for analysis, statistics, and product optimization, and may also disclose it to third parties or the public in the form of statistical results that do not contain any personally identifiable information.
  • If you have any questions or objections regarding our use or processing of personal information, you may contact us at any time through the "Contact Us" section at the bottom of this policy. If you suffer damage due to our violation of relevant laws and regulations, we will assume legal responsibility.

2.2 Exceptions Where Consent Is Not Required

According to India's Personal Data Protection Act and related regulations, in the following specific situations, we may collect and use your personal information without prior consent:

  • To fulfill obligations we are legally required to bear;
  • Directly involving national security and defense;
  • Relating to public safety, public health, or major public interests;
  • Involving law enforcement procedures, such as criminal investigations, prosecutions, trials, and execution of judgments;
  • To protect your or others' life, property, and other significant legitimate rights and interests, especially in emergencies where timely consent cannot be obtained;
  • To meet contract requests made by you as a party and to fulfill and sign contracts;
  • To ensure the safe and stable operation of the products and services we provide, such as detecting and handling system vulnerabilities, product failures, or service abnormalities;
  • Other circumstances as otherwise stipulated by laws, regulations, and government rules.

In the above situations, we will use your personal information within the minimum necessary scope and in a reasonable manner, and continuously take effective measures to ensure information security and compliance management.

3. Sharing of Personal Information

3.1 Disclosure of Information Under Legal Obligations

You understand and agree that in the following situations, we may disclose your personal information to government agencies, courts, or other competent authorities in accordance with the law without prior consent:

  • As required by applicable laws and regulations;
  • To prevent or stop fraudulent, unauthorized, or illegal transaction activities;
  • To investigate actual or suspected fraudulent activities.

For the above disclosure actions, you explicitly waive any legal claims, demands, or liability claims against us.

3.2 Third-party Sharing Necessary for Services

Within the scope necessary to provide you with services, we may share your personal information with third parties (including but not limited to service providers). If a third party proactively requests information, even if we have no legal obligation, we may also conduct an investigation at our discretion and, within what we deem reasonable, provide information to the third party after obtaining your prior explicit consent.

It should be particularly noted that this Privacy Policy only applies to the CrediCash platform and does not apply to any third-party service providers independent of us. You understand and agree that third parties may apply their own data processing policies; we recommend that you review the content of their privacy policies. CrediCash is not responsible for any damages that may arise from third parties during data processing, and you agree to waive any claims or legal liability against CrediCash as a result.

3.3 Cross-border Data Processing

You understand and agree that CrediCash may transmit, store, and process your personal information within India or in other jurisdictions with legitimate data protection mechanisms, provided that all data processing activities will continue to be governed and constrained by India's Personal Data Protection Act and related regulations.

3.4 Anonymous Data Sharing

We may de-sensitize or de-identify your personal information so that it cannot identify a specific individual (i.e., "anonymization"), and use such information for purposes such as product optimization, service analysis, and database management. This type of anonymous data may be shared with partners, research institutions, or other third parties, but does not contain any information that can identify your identity.

3.5 Restrictions on Selling or Renting Information

We will not sell, lend, or rent any of your personal information to any third party.

3.6 Credit Data Sharing Authorization

To build and improve the user credit evaluation mechanism, you explicitly agree and authorize CrediCash to legally collect, query, verify, and provide information related to your credit status to third-party credit information service agencies for purposes such as loan review, risk assessment, and other legitimate purposes related to services.

4. How We Protect Your Personal Information

We deeply understand how important the security of your personal information is to you, and therefore always treat it as a top priority. We strictly comply with India's Personal Data Protection Act and related regulations, adopt mature, secure, and reasonable technical and management measures, and, based on industry standards, maximize the protection of your information security.

The security protection measures we take include but are not limited to:

  • Data Encryption and Isolation: All collected data will be securely uploaded to an encrypted center, stored at https://cc1401.com, protected with encryption measures, and isolated from ordinary information physically or logically to prevent unauthorized access and leakage.
  • Access Control Mechanism: Only authorized personnel may access your personal information according to their permissions, and permission assignments are regularly reviewed.
  • Security Audit and Risk Management: Through regular security checks, vulnerability scans, and log audits, we promptly identify and address potential security risks.

Although multiple security measures have been taken, please understand that no system in any network environment can be absolutely secure. In the event of a security incident (such as data leakage, tampering, loss, etc.), we will immediately activate the emergency response plan, notify you as soon as possible, report to the relevant authorities in accordance with the law, and assist you in taking corresponding risk mitigation measures.

5. How We Safeguard Your Rights to Manage Your Personal Information

We respect and protect your control over your personal information. According to India's relevant laws and regulations, you have the right to access, correct, and delete information, withdraw authorization, and close your account. We commit to providing clear and convenient methods to help you exercise these rights and better control your personal information.

5.1 Deleting Personal Information and Account

If you wish to delete your personal information and account information and stop using our services, you can operate in the following ways:

  • Enter the app and delete account-related data yourself through the "My" - "Delete Data" function entry;
  • Or send an email to developers.zingoolinnovations@gmail.com to apply for account deletion. We will complete identity verification within 30 working days and process your request as soon as possible.

After account deletion, we will no longer provide you with services and will legally delete or anonymize your relevant information.

5.2 Withdrawing Authorization

If you have authorized us to access certain device permissions (such as camera, approximate location information, etc.), you can revoke it through the device system settings. However, please note that revoking authorization may cause certain functions to not work properly.

6. Third-party Access and Data Sharing Policy

To continuously optimize the performance and user experience of this application, we may periodically transmit aggregated and anonymized data to external service providers.

This data has been anonymized and does not contain any information that can identify your identity, and is only used for service analysis and optimization.

Please note that third-party services integrated into this application may process relevant data according to their respective privacy policies. We recommend that you carefully read the privacy policies of the following third-party service providers to understand their specific data collection and usage methods:

These third-party service providers may disclose information provided by users or automatically collected in the following situations:

Compliance with legal requirements: for example, as required by court subpoenas or other legal procedures;

For the protection of legitimate interests: including but not limited to protecting their own rights, protecting user or others' safety, investigating fraudulent activities, or responding to government agency requests;

Trusted third parties entrusted with processing services: that is, partners who access information to perform specific functions, such third parties must comply with the confidentiality and data protection obligations of this Privacy Policy.

Right to Opt-out

If you wish to stop our collection of your information, you can uninstall this application at any time. You can complete the uninstallation operation in the following ways:

  • Use the uninstall function provided by the device system;
  • Uninstall through the app store or platform you are using.

After uninstallation, we will no longer collect any of your information and will terminate the provision of related services.

7. Use of Cookies

To enhance the access experience, we may use Cookies (including Flash Cookies or other local storage technologies) to identify your identity, help you save time on repeated logins, and confirm account security.

You understand and agree that if you change Cookie settings (including but not limited to refusing or deleting Cookies), it may affect the normal use of our website or application and the availability and security of certain services.

8. Protection of Minors' Privacy

We place great importance on the protection of minors' personal information. According to laws and regulations,CrediCash services are only available to users who have completed real-name registration and are 18 years of age or older. Users under 18 cannot register, apply for loans, or use related services (but can access limited browsing functions that do not require registration).

We will not intentionally collect any personal information from minors. If you are a minor's guardian and discover that we have collected information from a minor, please contact us as soon as possible via email developers.zingoolinnovations@gmail.com, and we will assist you in deleting the relevant information promptly.

9. How We Update and Change This Policy

We may update this Privacy Policy and related content from time to time, including service terms, disclaimers, functional descriptions, etc. We reserve the right to modify this Privacy Policy at any time. We recommend that you regularly review the content of this policy.

If there are significant changes to the policy, we will notify you in a prominent manner on the homepage of the website or in the application. If you continue to use our services after the policy is updated, it will be deemed that you have read, understood, and accepted the updated content.

10. Contact Us, Feedback

If you have any questions about the collection, use, storage, sharing, etc. of personal information involved in CrediCash services, or have any opinions or suggestions regarding this Privacy Policy, please feel free to contact us through the following contact information, and we will process your feedback as soon as possible.

Customer Service Email: developers.zingoolinnovations@gmail.com

Contact Address: Plot No9, Sector 16A, Film City, Noida Gautam Budh Nagar - 201301 India