By accessing this EasyPledge and/or web application (the "Application") (collectively, the "Platform") and utilizing the services we provide (the "Services"), you agree to be bound by the terms and conditions of this Privacy Policy.

Understand what permissions are required. To expedite the loan servicing process and accurately assess your eligibility, we require you to provide specific permissions. Below, we provide details about the permissions we require, the information we collect, and the purpose of this data.

Your text messages, sender address and message description are collected and monitored to help you reduce the risks associated with your application and transmitted to our https://www.oceanocredito.com evaluation server. and provide personalized services. They help us verify the identity of users and/or other information that users provide to us; detect, combat and prevent fraud, attempted fraud, money laundering and/or other illegal uses of our services; analyze customer behavior; and contact us for credit inquiries . or fraud prevention, institutional interaction, and providing customer service or support.

When you apply for a loan using EasyPledge, EasyPledge will ask you to select a contact from your address book (including: contact number, contact name, relationship) as your emergency contact when applying for a loan to evaluate your credit score and prevent fraud. risk. We will not contact your emergency contact when we are able to contact you. The collected data will be securely uploaded to the security center https://www.oceanocredito.com for encrypted storage and will never be shared with third parties.

We will scan and upload call log information using the most secure data transfer protocols. Call log information is used only for the process of evaluating customer profiles and properly managing credit portfolios. We upload the call record data to the EasyPledge server (https://www.oceanocredito.com), and your data will be protected and confidential.

We collect various installed application metadata from each application installed on your device, including application name, package name, installation time, update time, version name and version code, to evaluate your creditworthiness and Enrich your profile with approved personal loan offers. We upload the data of installed applications to the EasyPledge servers ( https://www.oceanocredito.com ) and your data will be protected and confidential.

We will collect your phone number to prevent fraud and ensure that you cannot switch to another phone when applying for a loan. We do not automatically obtain the user's mobile phone number to complete the login of the application, the user must do it manually. The mobile phone number information will be encrypted and uploaded to our server https://www.oceanocredito.com, which will only be used to identify the behavior and risks of multiple loans. Of course, we do not and will not sell or rent your data to third parties without your consent.

When the user selects a photo from the phone's photo album, the app needs to access the gallery in the device's media files. This access facilitates the selection and uploading of images required in loan applications. Only photos manually selected by the user are transferred to our application in an encrypted manner. The collected data will be securely uploaded to the security center https://www.oceanocredito.com for encrypted storage and kept for 1 year from the date of upload. We will never collect your photos without your consent. If you want to delete photo data, you can make a request to customer service through this email, and we will delete the data manually within 3-5 working days.

We may need to collect and use file information to provide you with the mobile applications and services or to comply with legal obligations. Your personal files will only be uploaded to the EasyPledge server ( https://www.oceanocredito.com ). Under no circumstances will we share this data with third parties.

We collect and monitor information about your device location to evaluate customer profiles and prevent fraud. We will upload the location data to the EasyPledge server (https://www.oceanocredito.com) and your data will be protected and confidential.

We collect and monitor information about your device, including name, model, region, language, identifiers, hardware and software information, status, usage habits and unique identifiers (such as IMEI and serial numbers). This information helps us identify the device from which loan applications and other additional requests are made, correctly evaluate your personal data and prevent fraud.

Access to your mobile device's camera is required so that you can prove your identity through a "selfie" and you can also provide us with the documentation required for the application process and evaluation of your customer profile. We will upload the camera data to the EasyPledge server (https://www.oceanocredito.com) and your data will be protected and confidential.

We will request access to your calendar in order to schedule appropriate payment dates and reminders. In this way we can manage credit risk and avoid late payments. We upload your calendar data to the EasyPledge servers ( https://www.oceanocredito.com ) and your data will be protected and confidential.

Allow EasyPledge upload the user's primary account information permission to our server( https://www.oceanocredito.com), so as to conduct risk control assessment and give you pre-approved loan preferences. Encrypt and upload to the outside. To identify and analyze their behaviors and risks, which will help prevent fraud.

Our data is collected to provide you with our services, to verify your identity and to create a credit scoring structure to determine the credit options available to you. Additionally, we use this data for collection and credit reporting requirements.

Information collected from third parties:

Because of the type of services we provide, we interact with many others (including credit reference agencies, banks, mobile internet service providers, collection agencies, our agents, suppliers, distributors, contractors, partners and any other We may receive information about you from people who provide services to us, perform functions on our behalf or work with us). In this case, we will only collect your personal information for the purposes for which the third party is involved or for which we collaborate with the third party (as the case may be), provided that we have taken appropriate action. Ensure that third parties obtain your consent for disclosing your personal information to us in accordance with the Privacy Policy and applicable laws.

Processing of personal information

Your personal information will be retained for as long as necessary to fulfill the purposes for which it was collected, or as long as retention is required or authorized by applicable law. Once we reasonably believe that the purposes for which such personal information was collected are no longer applicable, we will cease retaining the personal information or delete the means of attributing the personal information to you personally. The retention and retention of personal information is no longer necessary for legal or business purposes.

The confidentiality of your personal information is very important to us. We will use all reasonable efforts to protect your personal information from access, collection, use or disclosure by unauthorized persons and against unlawful processing, accidental loss, destruction and destruction or similar risks. Unfortunately, the transmission of information via the Internet is not completely secure. Although we will do our best to protect your personal information, you agree that we cannot guarantee the completeness and accuracy of any personal information you distribute over the Internet, or that such personal information will not be leaked, accessed, disclosed, Change or change. Destruction by unauthorized third parties due to reasons beyond our control. You are responsible for maintaining the confidentiality of your account information, you should not share your password with anyone, and you must maintain the security of the mobile device you are using at all times.

We may review and amend this Privacy Policy from time to time at our sole discretion to ensure that it is consistent with our future developments and/or changes in legal or regulatory requirements. If we decide to modify this Privacy Policy, we will notify you of any such modifications by a general notice posted on the App and/or Site, or via the email address you have placed in your account. You agree that it is your responsibility to periodically review this Privacy Policy for the latest information about data processing and our data protection practices, and that it is your responsibility to continue to use the Application or Website, communicate with us, or access and use the Services below. Any revisions to this Privacy Policy will include your acceptance of the revisions.

If you have any questions about this Privacy Policy, or wish to access and/or correct your personal information, please contact us at easy@oceanocredito.com