LUCKY HOLDINGS-credit loan Privacy Agreement

1. Introduction

The Company "LUCKY HOLDINGS PRIVATE LIMITED" operates under the platform "LUCKY HOLDINGS-credit loan" and values the privacy of our customers and users across our online platforms, including our mobile application. This Privacy Policy ("Policy") describes the information “LUCKY HOLDINGS-credit loan” collects about you and how we use and share that information. This policy applies to information we collect when you register with “LUCKY HOLDINGS-credit loan”, access or use our mobile applications, products and services, or when you otherwise interact with us.

Before clicking to accept this agreement, you should read this agreement carefully. Make sure you have read and fully understood each chapter.

By accessing and using the services provided by this application, you are deemed to have read and agreed to obtain personal information from your device through this application.

2. Definition

Unless otherwise defined, all capitalized terms used in this Privacy Policy shall have the same meanings ascribed to them in our Terms of Use (as applicable).

3. Collection of Personal Information

We collect certain Personal Information about you. The Personal Information that we collect may be provided by you directly (for example, when you open an Account to use the Service via App, or you otherwise provide Personal Information to us) or by third parties, or be collected automatically when you use the App. We may collect information in various forms and for various purposes (including purposes permitted under Applicable Law).

3.1 When you register an account

When you register for the Service, we will collect your information such as emergency contact, SIM card details, financial and credit information (including your Mobile Money Account details, bank account details)

3.2 When you use the App or visit our Website

Whenever you use the App or visit our Website, we may collect certain technical data concerning your usage, such as internet protocol (IP) address, information as webpages previously or subsequently viewed, duration of every visit/session, the internet device identity (ID) or media access control address, and also information regarding the manufacturer, model, and operating system of the device that you use to access the App or our Website.

3.3 Collection of information from third parties

Due to the nature of the Services that we provide, we are required to work with a number of third parties (including Credit Reference Bureaus, Banks, Mobile Network Providers, Collection Agencies, our Agents, Vendors, Suppliers, Contractors, Partners and any others who provide services to us, perform functions on our behalf, or whom we collaborate with) and we may receive information about you from them. In such cases, we will only collect your Personal Information for or in connection with the purposes for which such third parties are engaged or the purposes of our collaboration with such third parties (as the case may be), provided that we have taken reasonable steps to ensure that such third parties would undertake to us to obtain your consent for the disclosure of your Personal Information to us in line with this Privacy Policy and Applicable Law.

3.4 Access other permissions with your consent

a. GPS Location:

We collect your GPS location to offer location-based services, verify your address, and detect potential fraud. Knowing your location helps us tailor our services to your needs and provide you with relevant offers.

b. Contacts Book:

Access to your contacts book allows us to verify your identity and enhance the security of your account. This also helps us to provide better customer support and enable social features within the app.

c. Calendar:

We access your calendar to help you keep track of your loan repayment schedules and remind you of upcoming due dates. This ensures you never miss a payment and helps you manage your finances more effectively.

d. Device Information:

We collect information about the device you use to access our services, such as your device model, operating system, unique device identifiers, and mobile network information. This helps us improve our app's performance, troubleshoot issues, and ensure the security of your account.

4. Use of Personal Information

a. to identify you and to register you as a user and to administer, manage, or verify your Account and your credit conditions as such.

b. to communicate with you and to send you information in connection with the use of the App.

c. to facilitate or enable any checks as we may in our discretion, consider necessary before we register you as a user.

d. to disburse Loans and collect payments for your use of the Service.

e. to build credit models and perform credit scoring.

f. to contact you by telephone using auto-dialed or pre-recorded message calls or text (SMS) messages (if applicable) as authorized for the purposes described in this Privacy Policy and the Terms of Use.

g. to comply with Applicable Laws, regulations, and rules, such as those relating to “know-your-customer” and anti-money laundering requirements.

h. to send you direct marketing communications and information on special offers or promotions.

i. to notify you of any updates to the App or changes to the Service (including interest rate, Transaction Fees, etc.) available.

j. to process and respond to enquiries and feedback received from you.

k. to maintain, develop, test, enhance, and personalize the App to meet your needs and preferences as a user.

l. to monitor and analyze user activities and demographic data including trends and usage of the Service available on the App.

5. Retention of Personal Information

We will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. You have the right to request deletion of the data we have collected about you. However, we will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

We will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer periods.

6. Protection of Personal Information

We will use various forms of physical technology to keep your data safe from being shared, damaged, or lost. We will guarantee that all the personal data we receive will be stored on our highly secure servers. The security of our systems complies with industry security standards, and we will continue to improve our systems as needed. We will continue to regularly test our systems to ensure our security mechanisms are always at their best.

Due to the possible security loopholes in any technical means, we still cannot guarantee the absolute security of your information.

We will do our best to protect personal data if it is illegally obtained and used by other parties.

7. Transfer of Personal Information

Your information, including Personal Data, is processed at the Company’s operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country, or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

8. Use of Cookies

We use various technologies to collect information, which may include sending cookies to your computer or mobile device. Cookies are small data files that websites store on your hard drive or device memory. Cookies retain your preferences and account settings, support the integrity of our registration process, and help evaluate and compile aggregate statistics about user activity. All our cookie data is encrypted and cannot be read by other platforms.

9. Third Party Websites

Our Service may contain links to other websites and Apps that are not operated by Us. If You click on a third-party link, you will be directed to that third-party’s site. We will not control over and will not assume responsibility for the content, privacy policies, or practices of any third-party sites or services.

10. Marketing and Promotional Material

We may send you marketing and promotional communications via post, telephone call, short message service (SMS), e-mail, online messaging, or push notifications via the App to notify you about special privileges, promotions, or events offered or organized by us, our partners, sponsors, or advertisers, or to provide updates on our App and/or the products and services offered therein.

You may opt-out from receiving such marketing communications at any time by clicking on any “unsubscribe” facility embedded in the relevant message, or otherwise contacting us using the contact details stated below. Please note that if you opt-out, we may still send you non-promotional messages, such as Loan disbursement or repayment receipts, or information about your Account or the App.

11. Limitations of Liability

You expressly understand and agree that we, including our directors, officers, employees, representatives, or the service provider, shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if we have been advised of the possibility of such damages), resulting from:

a. use or the inability to avail the Services.

b. unauthorized access to or alteration of your Personal Information.

c. inability to use the Platform.

d. failure or delay in providing the Services or access to the Platform.

e. any performance or non-performance by us.

f. any damages to or viruses that may infect your electronic devices or other property as the result of your access to the Platform or your downloading of any content from the Platform and server failure or otherwise or in any way relating to the Services.

12. Changes to this Privacy Policy

We may review and amend this Privacy Policy at our sole discretion from time to time, to ensure that it is consistent with our future developments, and/or changes in legal or regulatory requirements. If we decide to amend this Privacy Policy, we will notify you of any such amendments by means of a general notice published on the App and/or Website, or otherwise to your e-mail address set out in your Account. You agree that it is your responsibility to review this Privacy Policy regularly for the latest information on our data processing and data protection practices, and that your continued use of the App or Website, communications with us, or access to and use of the Service following any amendments to this Privacy Policy will constitute your acceptance to the amendments.

13. Contact Us

Our users' privacy is very important to us. We are committed to safeguarding the information entrusted to us and will continually update this policy to ensure that users’ rights with regard to personal information are respected. If you have questions or comments about this Privacy Policy, please contact us at LUCKY HOLDINGS@support.com