Privacy Policy

a. In this Privacy Policy, "we", "APP" and "our" refer to the operator of the application "SoarCredit".

b. We collect, use, share and protect personal information to provide, understand, improve and develop our services.

c. We strive to explain why, how and when we collect, use, share and store personal information through this Privacy Policy.

Loan Application Information

Our application collects information required to process loan applications. We use this information to evaluate and manage loan accounts, prevent fraud, comply with regulations, and may send marketing information. Your contact information may be used to contact you about your experience using our application, products and services.

User-Provided Information

We collect user-provided information including name, Ghana Card or Voter Card number, date of birth, marital status, gender, monthly income, email, address and education background, emergency contact relationship, contact name, contact number. All collected information will be encrypted and transmitted to our server https://api.soarcreditgh.com/,https://pumg.soarcreditgh.com/, and we will not share this data with third parties without the user's permission.

Permissions collected:

After successful registration, we will collect and upload the following information and store it on a secure server. If there is a glitch or failure during data collection and upload, the data will be retrieved and transmitted when the connection is successful. Details:

Storage

In order to facilitate your loan application process, we request your authorization to access your device storage. This authorization will securely upload the photos and/or documents you need to fill in the loan application form (data stored at: https://api.soarcreditgh.com/,https://pumg.soarcreditgh.com/) via the HTTPS protocol. This will ensure the confidentiality of your data. We will never share this data with third parties. Your security and information protection is our top priority.

App List

We will collect a list of your installed applications, which will help us understand if your device has installed applications with fraudulent or cloning related functions (including fake location information, cloned email ID and contact information). So that we can determine the authenticity of your information and make a correct judgment on your credit risk. All collected information will be encrypted and transmitted to our server https://api.soarcreditgh.com/,https://pumg.soarcreditgh.com/, and we will not share this data with third parties without the user's permission.

Device

We collect information about your device to identify and prevent fraud. This includes name, model, region, language, hardware and software identifiers, Phone Count, Active Modem Count, screen brightness, Active SubscriptionInfo Count, gyroscope, battery level and usage habits. All information collected will be encrypted and transmitted to our server https://api.soarcreditgh.com/,https://pumg.soarcreditgh.com/, and we will not share this data with third parties without user permission.

Location

We collect and monitor device location information to assess and rate risk. This location data will be uploaded to our secure server (stored at: https://api.soarcreditgh.com/,https://pumg.soarcreditgh.com/), where it will be protected and confidential. Your security and data privacy are extremely important to us.

Camera

We use your camera for ID card recognition, facial recognition, and user authentication. This improves the security and accuracy of authentication. All information collected will be encrypted and transmitted to our server https://api.soarcreditgh.com/,https://pumg.soarcreditgh.com/, and we will not share this data with third parties without user permission.

Image or video

For information security reasons/purposes, please allow our application to access image permissions in order to upload ID photos for anti-fraud detection to prevent others from using your information to apply for loans. All information collected will be encrypted and transmitted to our server https://api.soarcreditgh.com/,https://pumg.soarcreditgh.com/, and we will not share this data with third parties without user permission.

Third-party services

The following are third-party services used by the app that may collect information that can be used to identify you.

Links to the privacy policies of third-party service providers used by the app:

Google Play: https://policies.google.com/privacy

Appsflyer: https://www.appsflyer.com/legal/privacy-policy/

Firebase: https://firebase.google.com/support/privacy

Play-Services-Location: https://policies.google.com/privacy

Collection of information from children

We do not knowingly collect information from children. While minors may disguise themselves as adults when applying for a loan, we cannot always detect this. Our priority is to protect user data privacy and comply with current regulations.

Security

All information collected is encrypted during transmission and stored securely. We make every effort to ensure that your information is protected.

Limitation of Liability

We do not assume any liability for indirect, incidental, consequential, special, punitive or exceptional punitive damages arising from the use of the app or any transactions with third parties. In addition, we are not responsible for delays or failures to perform due to causes beyond our reasonable control.

Access and Control Rights

You have the right to access, correct and delete your data, as well as to limit or withdraw your consent to your data. You can also exercise your rights at any time by contacting us. Please refer to the customer service email at the end of this policy for contact information.

Changes to this Privacy Policy

I 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.

If you have any questions about our privacy policy or any other privacy-related issues, please feel free to contact us at support@soarcreditgh.com. We will be happy to help you.