Solid Cash Privacy Policy

2. Principles of Data Collection

Solid Cash follows the principles of lawfulness, necessity, fairness, transparency, and data minimization. We collect and process personal data only when it is necessary to:

• Create and manage user accounts
• Process loan applications and repayments
• Verify user identity and conduct KYC checks
• Perform creditworthiness and risk assessments
• Prevent fraud, abuse, and unauthorized access
• Ensure system security and service stability

We do not collect personal data unrelated to lending services.

3. Personal Information We Collect

3.1 Personal Identification Information

Data Collected: Full name, mobile phone number, date of birth, gender, and other information you voluntarily provide during account registration and loan application.

Purpose:

• Account creation and management
• Identity verification
• Loan eligibility assessment

3.2 Identity Verification Information (KYC)

Data Collected: Government-issued identification details, ID photos, selfies, or facial images captured for verification purposes.

Purpose:

• Confirm user identity
• Prevent identity theft and fraudulent applications
• Comply with applicable KYC and regulatory requirements

3.3 Financial and Loan Information

Data Collected: Loan application details, approved loan amounts, repayment records, transaction history, and other information directly related to loan services.

Purpose:

• Loan processing and management
• Repayment tracking and reminders
• Customer support and dispute resolution

4. Permissions and Device-Related Data We Collect

4.1 Location Permission (Approximate Location)

Data Collected: Approximate location at the city or area level derived from Wi-Fi or mobile networks. Precise GPS coordinates are not collected.

Purpose:

• Verify the consistency of loan application information
• Support fraud prevention and risk control
• Provide location-relevant financial services

Security Statement: Location data is encrypted during transmission and storage and is used strictly for loan-related risk control and service security. It is not used for advertising, tracking, or unrelated purposes, and is not disclosed to unauthorized third parties.

4.2 Camera Permission

Data Collected: Images captured for identity documents and facial verification.

Purpose:

• KYC verification
• Fraud prevention
• Faster loan review and approval

Camera access is enabled only during user-initiated actions and does not access other photos or media stored on your device.

Security Statement: Facial images and ID photos are transmitted via HTTPS encryption to our secure servers and are used exclusively for identity verification and fraud prevention. Such data is not shared with unrelated third parties.

4.3 Contacts Permission (Selected Contacts Only)

Data Collected: Only contact details that you explicitly select and submit. The App does not access your full contact list.

Purpose:

• Support repayment-related communication
• Assist in credit and loan servicing processes

Security Statement: Contact information is encrypted, access-restricted, and used only for loan-related purposes. It is not used for marketing or unrelated activities and is not disclosed without your consent.

4.4 Device Information

Data Collected: Device model, operating system version, system language, IP address, network information, and device identifiers permitted by the operating system.

Purpose:

• Fraud prevention and device risk analysis
• Detection of abnormal or unauthorized activities
• App stability and performance optimization

Security Statement: Device information is encrypted during transmission and storage and is used strictly for security, risk control, and system optimization purposes.

4.5 Installed Applications Information

Data Collected: Basic technical information about installed applications, such as application name, package name, version information, and installation or update timestamps. No in-app content, user data, or usage behavior is accessed.

Purpose:

• Support loan-related risk evaluation
• Detect abnormal or high-risk technical patterns

Security Statement: This information is transmitted through encrypted channels and used solely for internal risk assessment. It is not shared with unrelated third parties and is not used for advertising or profiling unrelated to lending services.

4.6 Log and Diagnostic Data

Data Collected: Application logs, crash reports, and system-generated diagnostic data.

Purpose:

• Maintain service stability and reliability
• Technical troubleshooting and performance optimization
• Security monitoring

Security Statement: Log and diagnostic data is protected by appropriate technical and organizational measures and is not used to directly identify users or for marketing purposes.

4.7 Notification Permission

Data Collected: Basic device notification settings and delivery status. No personal content from notifications is accessed or read.

Purpose:

• Deliver important service-related alerts
• Notify about loan application status, repayment reminders, and account security
• Ensure timely communication of critical information

Security Statement: Notification data is used solely for service communication purposes. It is not shared with third parties and does not access personal notification content. Users can manage or disable notification permissions via device settings at any time.

5. Use of Personal Information

We use personal data strictly for:

• Account and loan management
• Identity verification and risk control
• Repayment reminders and customer communication
• Legal and regulatory compliance

We do not use personal data for purposes unrelated to lending services.

6. Data Sharing

We do not sell or rent personal data. Information may be shared only with:

• Authorized service providers (such as KYC, payment, and risk control partners) for service delivery
• Regulatory or law enforcement authorities when required by law

All third parties are subject to confidentiality and data protection obligations.

7. Data Security, Storage, and Retention

• Data is transmitted and stored using encryption
• Access is restricted to authorized personnel
• Data is retained only for the minimum period necessary to provide services or meet legal obligations
• Data is securely deleted or anonymized when no longer required

8. User Rights and Permission Control

You have the right to:

• Access and review your personal data
• Request correction of inaccurate information
• Manage or withdraw permissions through your device settings
• Delete your account at any time directly from within the App

Account deletion is available to all users from within the App and can be performed by the user without contacting support. Once your account is deleted, your personal data will be removed or anonymized, except where retention is required by applicable law (e.g., loan and regulatory records).

Please note that disabling certain permissions may affect loan-related functions.

9. Children's Privacy

Solid Cash is intended only for users aged 18 and above and does not knowingly collect personal information from minors. If such data is identified, it will be promptly deleted and the related account may be terminated. Parents or guardians may contact us if they believe a minor has used the App without authorization.

10. Updates to This Privacy Policy

This Privacy Policy may be updated from time to time. Updates will be notified through the App and take effect upon publication.