Welcome to the Rocket Loan Plus Privacy Agreement. This APP is developed by Kenda Lending Limited. Please read the following privacy agreement carefully. Please note that this privacy agreement only applies to Rocket Loan Plus
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This privacy policy has been compiled to better serve those who are concerned with how their “Personally Identifiable Information” (PII) is being used online. PII is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. By visiting Rocket Loan Plus, also referred to “our site”, you are accepting the practices described in this policy. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website and app.
Information collected whenever you use the App or visit our Website:
Personal information permissions:
When you register, apply for a loan, etc., we will collect your name, ID number, contact information (mobile phone number, email address, etc.), bank card information, etc. This information is necessary to confirm your identity, evaluate your loan application qualifications, and carry out subsequent loan issuance, repayment and other processes. Purpose of use: Verify your true identity, prevent fraud, and protect the security of the platform and other users. All information will be encrypted and uploaded to the server: https://apx.rocketloan.cc
Location permissions:
When you turn on location permissions, the APP may obtain your fuzzy location information (based on base stations, WiFi, etc.). Purpose of use: Location information can be used as one of the factors to assess your loan risk, such as determining whether your permanent residence is consistent with the address filled in when applying for a loan, to assist in anti-fraud analysis. And push local service recommendations based on your location to provide you with loan products or preferential information that comply with local policies and market conditions. The information will be encrypted and uploaded to the server: https://apx.rocketloan.cc
Camera permissions:
When you use camera-related functions, camera permissions allow the APP to call your device's camera and take photos. Purpose of use: Identity verification assistance: For example, taking a photo of your ID card is used to quickly enter and verify identity information to ensure the accuracy and authenticity of the information.
Supplementary information: In some cases, you may need to take photos of asset certificates (such as real estate certificates, vehicle driving licenses, etc.) as supplementary information for loan applications to more comprehensively evaluate your repayment ability. The information will be encrypted and uploaded to the server: https://apx.rocketloan.cc
Calendar permissions:
Calendar permissions are mainly used for the APP to read and write relevant information in your device calendar.
Purpose of use: Repayment reminder: We can write important matters such as repayment dates into your device calendar to ensure that you will not forget the repayment time and avoid overdue bad credit records.
Event reminder: When the platform has important events or discount information, you will be reminded to participate by writing to the calendar. The information will be encrypted and uploaded to the server: https://apx.rocketloan.cc
App list permissions:
APP will obtain information about the apps installed on your device. We will not obtain the apps that are originally installed on the device. Purpose of use: Risk assessment: By analyzing the types of apps you install, the frequency of use and other information, we can assist in assessing your personal consumption habits, financial status and risk preferences for more accurate loan risk assessment. For example, if you have installed a lot of financial apps, it may indicate that your financial needs are more frequent, which will be used as one of the reference factors in risk assessment. Anti-fraud monitoring: Identify apps that may be risky, such as some high-risk apps or apps suspected of fraud, to help us detect and prevent fraud in a timely manner and protect your funds. The information will be encrypted and uploaded to the server: https://apx.rocketloan.cc
SMS permissions:
In order to better customize loan products for you, we need to analyze your current financial situation and habits from your SMS messages, and give you an appropriate credit limit based on your participation in financial services. It also ensures that the loan device is not a virtual machine or artificial intelligence device. To further ensure the safety of funds, we will only collect the financial attribute SMS information we need (including the following field information) in accordance with Google's policy requirements: rs, missed, disbursed, due on, expired, valid, withdrawn, credited, debited, deposited, naira, payment, repayment, finance, loan, cash, kash, credit, money, moni, borrow, wallet, overdue, apply, approved, settle, amount, transfer, paid, financial, bal, Balance, Desc, Txn, Debit, Acct, amt, account, repay, overdue, expires, valid, deducted, received, ngn, transferred, due, payment, repayment, finance, finan, pay, application, rejected, passed, credited, debited, deposited, ngn, and the collected information will be encrypted and uploaded to the server: https://apx.rocketloan.cc
and deleted regularly.
Contact information permissions:
The APP will obtain the contact information you actively filled in before applying for a loan.
Purpose of use: Emergency contact: When you apply for a loan, you may be asked to specify an emergency contact. Obtaining address book information allows you to quickly select emergency contacts, and is also used to communicate with emergency contacts in special circumstances (such as when you cannot contact them) to ensure the normal progress of loan services and your related rights and interests.
Credit assessment assistance: By analyzing the number of contacts in your address book, contact types (such as whether there are many financial institutions or related industry contacts) and other information, assist in evaluating your social network and credit status. The information will be encrypted and uploaded to the server: https://apx.rocketloan.cc
Device permissions:
Device permissions include device identification codes (such as IMEI, Android ID, IDFA, etc.), device models, operating system versions, network status and other information.
Purpose: Used to identify your device, prevent malicious registration and login, and ensure account security. Through the device identification code, we can track the use of the device and take security measures in time once abnormal behavior (such as frequent failed login attempts, etc.) is found.
Adaptation optimization: According to your device model, operating system version and other information, optimize the display effect and functional experience of the APP to ensure that the APP can run stably and smoothly on your device. For example, adjust the interface layout for devices with different screen sizes and resolutions; adapt new functional features according to different operating system versions. The information will be encrypted and uploaded to the server: https://apx.rocketloan.cc
We attach great importance to data security and have adopted a series of strict physical, technical, and administrative measures to protect your personal data. These measures are designed to prevent unauthorized access, use, disclosure, tampering, or destruction of your data. Our systems are equipped with firewalls, encryption technologies, access control mechanisms, etc., to ensure the security of your data during transmission and storage. Additionally, we train our employees on data security and require them to strictly abide by confidentiality obligations to prevent internal misuse of your data.
You have the following rights regarding your personal data:
You have the right to access the personal data we hold about you at any time and understand how we process your data. You can submit an access request through the customer service channels we provide, and we will respond and provide the relevant data within a reasonable time.
If you find that the personal data we hold about you is incorrect or inaccurate, you have the right to request us to rectify it. You can submit a rectification application to us and provide necessary supporting materials. We will verify and correct the data in a timely manner.
Under circumstances compliant with laws and regulations, you have the right to request us to erase your personal data. For example, when we no longer need your data for the original collection purpose, or when you withdraw your consent to data processing, etc., you can submit an erasure request to us, and we will handle it in accordance with the regulations.
You have the right to request us to restrict the processing of your personal data in certain specific situations. For instance, when you raise an objection to the accuracy of the data, during the verification period, you can request us to restrict further processing of the data.
You have the right to obtain the personal data you provided to us and request us to provide it to you in a structured, commonly used format, so that you can transfer these data to other data controllers, provided that it complies with laws and regulations and is technically feasible.
We only retain your personal data for the period necessary to achieve the purposes described in this privacy policy, while also considering legal and regulatory requirements and the actual needs of the business. When determining the data retention period, we will comprehensively consider factors such as the contract performance period of the loan business, the statute of limitations for potential legal disputes, and the requirements of regulatory authorities. When your personal data is no longer needed for the above purposes, we will delete or anonymize it in accordance with the prescribed procedures to ensure that the data can no longer be used to identify you.
Our services may contain links to third - party websites or services. Please note that these third - party websites or services have their own independent privacy policies, and we are not responsible for their content and privacy practices. When you click on these links, you will leave our platform and enter the third - party's website or service. We recommend that you carefully read their privacy policies when accessing third - party websites or services to understand how they collect, use, and protect your data.
Our services are not intended for children, and we do not intentionally collect children's personal data. If we discover that we have accidentally collected children's personal data, we will immediately take measures to delete such data. If you believe that we may have mistakenly collected children's personal data, please contact us in a timely manner, and we will handle it as soon as possible.
We may change this privacy policy due to changes in laws and regulations, business development needs, or other reasonable reasons. The revised privacy policy will be published on our website or service platform and will take effect upon publication. If the changes involve significant changes to the way we process your personal data, we will notify you through appropriate means, such as sending an email, push notification, or providing a prominent notice on the platform. After the changes take effect, your continued use of our services indicates that you consent to the revised privacy policy.
Contact
If there are any questions regarding this privacy policy, you may contact us using the website form or using the information below.
Email:rocketloan074@gmail.com