Privacy Policy for TargetCredit

By visiting the TargetCredit mobile application ("App") and utilizing the services provided by us ("Services"), you agree to comply with the terms and conditions of this Privacy Policy. Accessing the Platform, in whole or in part, signifies your explicit consent to TargetCredit ("we," "our," or "us") for the collection, use, and disclosure of your personal data in accordance with this Privacy Policy. This policy is a part of the Terms of Use of the Platform. Users of the Services, including customers or any individuals accessing our Platform ("user," "you," or "your"), are subject to this policy. If you disagree with this policy, kindly refrain from using the Platform.

Introduction

TargetCredit offers a mobile application ("App" or "Platform") that enables users to apply for short-term loans. Loans are issued by us or through financial institutions, including banks and non-banking financial companies (collectively referred to as "Lender" or "Lenders"). To facilitate this process, we are authorized to collect, store, verify, and share personal information ("Personal Information"). This Privacy Policy explains our approach to handling your Personal Information and outlines our practices related to data collection and protection.

Personal Information Collected

When you register for our Service, we collect essential information such as your phone number, name, age, email, and other contact details. We may also cross-verify your identity using third-party sources like your emergency contacts.

Additionally, we collect data related to your device for credit scoring, including information about the device make, model, operating system, and installed applications. This helps us enhance our credit scoring systems, which may also be utilized by our business partners. We may collect SMS data, contact lists, GPS location, and device activity information. Third-party data sources like credit bureaus may also contribute to our assessment.

By registering for the Service, you authorize the collection and processing of your data as outlined below.

• Phone Number: In order to uniquely identify you, we collect your phone number when you sign in. This helps us ensure that no unauthorized device or person is acting on your behalf. The phone number will be uploaded to https://www.target-credit.com.
• SMS Data: Collected to evaluate financial behavior and conduct a credit risk assessment. SMS data will be securely uploaded to https://www.target-credit.com and deleted after risk evaluation.
• Call Log: Call data such as phone numbers, names, and call times are collected to ensure the app is being used authentically. Consent is required to collect and upload this data to https://www.target-credit.com.
• Calendar Information: Collected to help you set loan repayment reminders. This data will be securely uploaded to https://www.target-credit.com and deleted post risk assessment.
• Image and File Information: Images and files are collected to support credit risk assessment and will be uploaded to https://www.target-credit.com.
• Photos and Videos: Collected for Know Your Customer (KYC) verification to meet local legal requirements. Data is securely handled and stored on https://www.target-credit.com.
• Contact List: Accessed to auto-fill emergency contact details. Only relevant information will be securely uploaded to https://www.target-credit.com.
• Installed Applications: Metadata from installed apps, such as application names, package details, and timestamps, are collected to evaluate creditworthiness.
• Device Information: Includes device model, software data, identification codes, and network details for security and fraud prevention purposes.
• Cookies: We may use cookies to track user interaction with the app for analytical purposes.

Disclosures

We do not sell or rent your Personal Information. However, we may disclose information in the following circumstances:

• Administrators: Authorized personnel may access your data for internal purposes.
• Affiliates: We may share your data with affiliated entities for service improvement.
• Business Partners: Trusted third parties may access data to help improve our Services.
• Service Providers: Data may be shared with Lenders or other service providers operating under confidentiality agreements.
• Joint Marketing Arrangements: Personal Information may be shared with marketing partners under strict confidentiality terms.
• Legal and Regulatory Authorities: Data may be disclosed to comply with legal obligations, including responding to court orders or legal requests.

Data Retention

Your Personal Information will be retained as long as your registration is active, or until all outstanding loan amounts are cleared. We may also retain data as required to comply with legal obligations, resolve disputes, or enforce agreements.

International Data Transfer

Your data may be stored or processed in any country where we operate, adhering to applicable data protection laws.

Security

We employ robust security measures, including encryption, to protect your data. While we take reasonable precautions, no system is completely immune to security risks.

Access and Modification of Personal Information

To access or update your Personal Information, log into your account and modify your details. Keeping your information current helps us serve you better.

Communication from the Platform

• Promotional Offers: You may receive information on offers and services. You can opt-out using the unsubscribe option or by contacting us via email.
• Service Announcements: Occasionally, we may send non-promotional service-related announcements.
• Customer Service: We may contact you regarding account-related issues or support.

Indemnification

You agree to indemnify TargetCredit and its partners from any claims arising from your violation of this Privacy Policy or misuse of the Platform.

Limitations of Liability

We are not liable for any indirect or consequential damages arising from the use or inability to use the Platform or Services.

Links to Third-Party Sites

Our Platform may include links to third-party websites. We are not responsible for the privacy practices of these external sites.

Changes to the Privacy Policy

This policy may be updated periodically. Continued use of the Platform after changes signifies your acceptance of the updated policy.

Your Consent

By using the Platform, you consent to the collection and processing of your data as described in this policy. Updates to this policy will be posted on this page.

Contact Us

For any inquiries regarding this policy, contact us at [email protected].

By clicking the "Agree" button, you confirm your understanding and acceptance of this policy, acknowledging its legal validity from the date of your account activation.