This Privacy Policy is formulated by เงินสดกู้เร็ว and applies to the เงินสดกู้เร็ว application (hereinafter referred to as "เงินสดกู้เร็ว" or "the Application"). This Policy aims to explain to you how we collect, use, store, share, and protect your personal information when you use เงินสดกู้เร็ว. Please read this Privacy Policy carefully to understand how we process your personal information. If you do not agree to any terms of this Policy, please do not use the Application.

Introduction

เงินสดกู้เร็ว is a mobile application that provides loan services to users aged 18 and over in Thailand. You can apply for short-term loans through this application. We need to collect, store, verify, and confirm your personal information. We value your privacy and have developed this Privacy Policy to outline our practices in collecting, using, and disclosing personal information.

Collection of personal information:

When you apply for a loan, we will collect the following information as part of your credit assessment:

Personal Information:

When you use this application, we will ask you to enter some necessary personal information in the form to verify your identity and credit score. The information we need to collect includes, but is not limited to: your name, bank card information, emergency contact number, employment status, and address. Rest assured, we will not use this information for any illegal activities or provide it to any third party without your permission. We will upload this information to a dedicated server: https://api.wattcomlit.store for encryption protection.

Camera:

When you fill in information up to the point of taking a photo of your ID card, we will request permission from you to open your phone's camera to activate the system camera. This request is to help you fill in your personal information more accurately and to help us verify that you are the loan applicant. This permission is only effective when you take a photo. Rest assured, we will not use this information for any illegal activities or provide it to any third party without your permission. We will upload it to a dedicated server: https://api.wattcomlit.store for encrypted protection.

Contact Information:

We will obtain your emergency contact information through a form to facilitate follow-up calls and verify user identity (this will not grant access to your address book). We will periodically conduct random phone calls to users. Additionally, during loan application review, we will use this contact information to assist in verifying the authenticity and stability of user identity information. Your emergency contact will not be harassed in any way unless absolutely necessary. Your information will be uploaded to a dedicated server in encrypted form: https://api.wattcomlit.store

Application List:

This software only obtains a list of applications installed on your device, including basic information such as application name and package name. It does not obtain information about other system-built-in applications on your device. By analyzing the user's application installation list, we can identify abnormal application combinations, such as spoofed applications or virtual environments, as well as signs of high-risk operations. These high-risk applications not only endanger your financial security but also indirectly affect your loan credit rating. To ensure stable software operation and provide you with a smooth user experience, relevant information will be uploaded to a dedicated server in encrypted form: https://api.wattcomlit.store

Location Permissions:

When you use this application, we need to obtain your approximate location information. This information is primarily used to determine your region. We only provide loan services to citizens residing in Thailand who are 18 years of age or older. Based on location information, we can determine your current location to ensure you are a user of our services. Furthermore, depending on your region, we can also provide you with loan products that comply with local policies and market conditions. We strictly comply with relevant laws and regulations, encrypt and store your personal information, and transfer it to our server: https://api.wattcomlit.store/ to prevent information leakage.

Device:

We will obtain your device information. We will collect and monitor specific information about your device, including device name, model, region and language settings, device identification code, device hardware and software information, status, usage habits, and unique device identifiers (such as IMEI and serial number) to uniquely identify your device and ensure that unauthorized devices cannot operate on your behalf, thus preventing fraud. This will help us understand your user profile and preferences and recommend suitable products. You can rest assured that we will not use this information for any illegal activities or provide it to third parties without your permission. We will upload this information to a dedicated server: https://api.wattcomlit.store for encrypted protection.

Use of Personal Information：

(I) Core Business Purposes

Process your loan application, including but not limited to identity verification, credit assessment, matching with lenders, and loan issuance process.

Provide you with loan services, including loan amount determination, repayment arrangements, overdue reminders, etc.

Monitor and manage loan risks to ensure the security and sustainable development of our business.

(II) Other Purposes

Improve and optimize our services, and enhance the functionality and user experience of the application by analyzing your usage data and feedback.

Communicate with you, including sending you service-related notifications and messages, such as loan approval results, repayment reminders, application updates, etc.

Conduct internal audits, data analysis and research to improve our products and services and better meet user needs.

Storage of Personal Information：

(I) Storage Location

We will store your personal information in an encrypted server. If it is necessary to transfer your personal information overseas, we will obtain your explicit consent in advance and take appropriate measures to ensure that your personal information is adequately protected overseas.

(II) Storage Period

We will determine the storage period of your personal information in accordance with the requirements of laws and regulations and business needs. After your loan application is processed and the relevant business activities are completed, we will delete or anonymize your personal information in accordance with regulations, unless otherwise required by laws and regulations or you agree to retain it separately.

Security protection of personal information：

(I) Security measures

We attach great importance to the security of your personal information and have taken a series of reasonable security measures to protect your personal information, including but not limited to:

Encrypt your personal information to ensure the confidentiality of data during storage and transmission;

Implement access control measures to limit access to your personal information to authorized personnel only, and record and audit access;

Regularly scan and repair the system for security vulnerabilities to prevent hacker attacks, data leaks and other security incidents;

(II) Security incident handling

If a personal information security incident unfortunately occurs, we will immediately activate the emergency plan and take measures to reduce the losses and impacts caused by the incident. We will promptly inform you of the basic situation of the incident and the measures we have taken. If it involves the leakage of your sensitive information, we will report to the relevant regulatory authorities in accordance with the requirements of laws and regulations.

Your Rights

(i) Right of Access

You have the right to access the personal information you provide on AeroLoan at any time, including registration information and loan application information. You can view and access your personal information by logging into the app and accessing the relevant settings or personal information management interface.

(ii) Right to Correction

If you find that the personal information we collect and store is incorrect or inaccurate, you have the right to request that we correct it. You can submit a correction request to us through the feedback channels provided in the app or contact our customer service team, and we will promptly process it after verification.

(iii) Right to Deletion

You have the right to request that we delete your personal information. For example, if we no longer need your personal information for the original purpose of collection or you withdraw your consent for us to use your personal information, you may submit a deletion request to us. We will delete your personal information promptly after verification. You can also delete your personal information by deregistering your account in the app or on our official website. The information will be anonymized and deleted within 12 hours of account deregistration.

(iv) Right to Withdraw Consent

You have the right to withdraw your consent to our collection and use of your personal information at any time. You may exercise your right to withdraw your consent by changing the relevant settings within this app or contacting our customer service team. Upon withdrawing your consent, we will no longer collect and use your personal information for the purposes you previously consented to. However, this will not affect any legal processing we have already performed prior to your withdrawal of consent.

(V) Right to Complain

If you have any questions, comments, or complaints regarding our handling of your personal information, you may contact our customer service team through the following methods. We will promptly address your concerns and provide a response within a reasonable timeframe.

Protection of minors :

This application does not provide services to minors. We will not intentionally collect personal information from minors. If we find that we have accidentally collected personal information from minors, we will immediately take measures to delete the relevant information. If you think we may have collected your personal information as a minor, please contact us in time and we will deal with it as soon as possible.

Changes to the Privacy Policy :

We may revise this Privacy Policy based on changes in laws and regulations, business development needs or other reasonable reasons. We will publish the revised Privacy Policy in this application and notify you through in-app notifications, emails or other appropriate methods within 30 days of publication. If the revised Privacy Policy has a significant impact on your rights, we will clearly state it in the notification and, if necessary, re-ask for your consent. If you continue to use this App after we post the revised Privacy Policy, you agree to be bound by the revised Privacy Policy.

If any provision of this Privacy Agreement is deemed invalid or unenforceable, it will not affect the validity and enforceability of other provisions. We will do our best to modify the invalid or unenforceable provisions to make them comply with the requirements of laws and regulations and to achieve the intent of the original provisions to the greatest extent possible.