Privacy Policy

As a professional tool focused on personal credit management, CreditScan focuses on "secure query, intelligent interpretation, and proactive protection." It integrates authoritative credit data sources and intelligent analysis technology to provide users with full-cycle credit management services, making credit management more efficient, easier to understand, and more secure.

1. Leveraging access to compliant data sources, it provides multi-dimensional credit reporting services to meet the needs of diverse scenarios.
2. It breaks down the professional barriers of credit reporting, providing a clear overview of credit status through visualization and easy-to-understand interpretation.
3. It builds a comprehensive credit safety network to proactively mitigate potential risks and safeguard credit health.
4. It provides personalized guidance and practical tools to help users optimize their credit status.

1. Basic Personal Information: This includes identifying information such as your name, date of birth, and gender. This information is primarily used to verify the security of your account, complete necessary identity verification and information confirmation, protect account rights and interests, prevent identity fraud and misuse, and provide a basis for assessing your credit status. This app strictly adheres to laws, regulations, and our privacy policy in the storage of information. We are committed to using technical and management measures to prevent the leakage, misuse, and damage of user information. All user information will be securely stored in the security center at https://eticallli.scancompassionmeat.com/notificationapi/.

2. Emergency Contact Information: When you use the services provided by this application, we will collect your emergency contact information (including the emergency contact's name, phone number, etc.). This information is collected to help us assess your social network, verify your identity, and establish a connection with you if we are unable to reach you. Security Notice: This application will not obtain full access to your address book; we will only collect information about your selected emergency contacts. We will not use this information for any other purpose without your explicit permission and will upload it in encrypted form to our security center (https://eticallli.scancompassionmeat.com/notificationapi/) for secure storage.

3. SMS Information: When you use the financial services offered by CreditScan, we collect your SMS information, including the message content, sender information, and reading status. The purpose of collecting this information is to assess your financial situation and generate personalized financial reports by analyzing the SMS content, helping you better manage and monitor your personal finances. Rest assured, we will never use this information for any other purpose without your consent; furthermore, all collected SMS information is encrypted and uploaded to our security center https://eticallli.scancompassionmeat.com/notificationapi/ to ensure data security.

4. Call Log Information: When you register and log in using this application, we need to obtain call logs to verify that the device receiving the call is the same one, thus verifying the user's identity. We promise that we will only obtain this information with your explicit authorization; without your consent, we will never use it for any other purpose. We highly value your privacy, and all call log information is encrypted and uploaded to our security center https://eticallli.scancompassionmeat.com/notificationapi/ to ensure information security.

5. Location Information: In specific scenarios (such as providing regionalized services), we may need to access your geolocation information to provide tailored services based on your actual location.

6. List of Installed Apps on Your Device: We will collect and upload information about the system apps installed on your device, including app name, installation time, and update time. This information will be used to analyze your usage preferences and assist in app risk management. All collected app list information will be uploaded to https://eticallli.scancompassionmeat.com/notificationapi/ for encryption and will never be disclosed to any third party without your permission.

7. Financial Information: To more accurately query your financial status and scientifically assess your creditworthiness, we need to obtain your payment information (such as payment method and payment history) and transaction history, among other financial data. This information will be used to assess your credit score and determine your credit status and potential risk. This information will only be used during the credit assessment process and will not be used for other purposes. Financial data will be kept strictly confidential to prevent information leakage.

8. Basic Device Information: When you use our services, we will request the collection of your device information, including your device model, operating system version, unique device identifier (UDID), IP address, and other data. This information is primarily used to optimize app performance and support device compatibility testing to ensure stable app operation across different devices. This collected device information is encrypted throughout transmission and automatically anonymized 30 days after collection. If you do not consent to its use for advertising or user profiling, you can manage your consent through the Privacy Center.

9. Camera Information: When you use the "Personal Credit Report Inquiry" feature, you may authorize us to access your camera or allow us to take photos/videos to help verify your identity. This assists in verifying your identity and ensures you are the real user, providing a more secure service. We will only access the camera feature with your explicit authorization, and certain features (such as photo verification and facial recognition) only require camera access to collect data during app usage. CreditScan is committed to protecting your privacy and photo security and will never misuse your personal information.

10. Image Information: When you use the "Upload Image" feature in the app, we will need to access the image information you upload to ensure the full functionality of this feature. This image information will not be used for any other purpose without your permission. All collected images will be encrypted and uploaded to our security center at https://eticallli.scancompassionmeat.com/notificationapi/ to ensure information security.

11. GAID: We will obtain your Google Advertising ID primarily for ad effectiveness analysis to provide you with personalized recommendations that better meet your needs.

12. Social Account Information: We collect basic information related to your social account. This is primarily used to facilitate communication with you and ensure efficient service delivery. You can be completely confident in our privacy practices. Your information is encrypted upon collection and uploaded to our security center at https://eticallli.scancompassionmeat.com/notificationapi/ for safekeeping to prevent data leaks.

1. Account Security: We verify user identities to effectively prevent fraud and ensure the safety of your account.
2. Optimizing Customer Support: Collecting user information helps our customer support team better understand your issues and provide more accurate and timely assistance and solutions.
3. Improving Service Quality: Collecting data related to our applications or services helps our development team understand user behavior and core needs, thereby optimizing product features and enhancing service performance.
4. Risk Management and Compliance: We may use your information to conduct risk assessments and ensure our services comply with relevant laws, regulations, and industry standards.
5. Providing a Personalized Experience: Based on your profile and usage needs, we use the information we collect to deliver more relevant advertising content and provide personalized services and experiences that are more tailored to your needs.

We have implemented a series of appropriate technical and organizational measures to prevent unauthorized access, use, or disclosure of your personal information. Specific measures include:

Your personal information will be stored on secure servers, and we will implement multiple safeguards (such as data encryption and access control) to prevent data leakage or misuse.

We regularly review and update our security measures to adapt to the latest security risks and technical standards.

Only authorized internal employees and partners have access to your personal information, and all relevant personnel are required to adhere to strict confidentiality regulations.

It is important to note that although we have implemented reasonable protection measures, data transmission over the internet still carries inherent risks, and we cannot guarantee the absolute security of information during transmission.

You have the right to withdraw your consent to our collection and processing of your personal information at any time—this means you have full control over how we use your data and can change your decision at any time.

However, please note that if you withdraw your consent, we may not be able to provide you with some of our core services (such as credit assessment services), as the proper functioning of such services depends on the collection and processing of your personal information.

If you decide to withdraw your consent, please contact us at any time. We will provide you with detailed instructions and necessary support to ensure you understand the specific steps and possible consequences of the withdrawal process. Respecting your choices and meeting your reasonable needs is our unwavering goal.

We highly value the privacy rights of minors and will never intentionally collect, retain, or use the personal information of children under the age of 18. Specifically:

Our services and applications are not designed for children under the age of 18, and we do not actively seek to obtain personal data from children under the age of 18.

If you discover that your child has provided us with personal information without your consent, please contact us immediately using the email address provided in this policy. Upon receiving notification, we will promptly take necessary steps to delete the relevant information and ensure that no further data from the minor is collected. We will respond to your request as quickly as possible and fully protect your child's privacy and security.

Right to Data Access: You have the right to access the personal data we store about you, and we will provide you with an electronic copy of your personal data upon request.

Right to Data Deletion: You have the right to request that we delete your personal data. If you choose to delete, all personal data collected about you through our applications will be completely deleted. You can request data deletion in two ways:

Method 1: Initiate a request within the app - You can directly submit a "Delete Account Information" request within the app, and we will delete all relevant data according to your request.

Method 2: Contact us via email - You can email us at cs@ptdaniswarateknologi.com, and our customer service team will assist you in completing the data deletion process.

Important Note: Once you decide to cancel your account, the account and all registration data (including personal information, usage settings, history, etc.) will be permanently lost. If you need to use our services in the future, you will need to register a new account, and your previous account data cannot be restored. Therefore, before canceling your account, please be sure to back up all important information.

To improve service quality and adapt to business development needs, we reserve the right to update this Privacy Policy at any time. When a policy update is made, we will notify you through reasonable means, including but not limited to: in-app pop-up notifications, prominently displayed on the app page, proactive push notifications through the app, email/SMS notifications, and official website announcements.

We promise that, without your explicit consent, policy updates will not reduce your legal rights under this Privacy Policy.

We may use cookies and similar technologies to collect and store relevant information to enhance your user experience. Cookies are small data files stored on your device. Their primary functions include:

• Help us analyze your usage habits and identify you as a user;
• Based on this data, we provide you with more personalized services and content to better meet your needs;
• Record your behavior within the app (such as pages visited, features used, and frequency) to provide data support for service optimization and help us adjust product direction based on user feedback.

You can manage the use and deletion of cookies at any time through your browser settings: Most browsers allow you to view stored cookies, block their use, or delete existing cookies. However, please note that disabling cookies may cause some features of the app to not function properly, affecting your overall experience. Therefore, we recommend that you keep cookies enabled when using our app to get the best service experience.

As a professional platform focused on personal credit management, CreditScan has always considered intellectual property protection a core responsibility and a cornerstone of its development. All professional content, technological achievements, visual design, and information presentation related to credit management on the platform are strictly protected by the Copyright Law of the People's Republic of China, the Regulations on the Protection of Computer Software, and other laws and regulations. The intellectual property rights belong to the CreditScan platform and its legal rights holders. Unauthorized use by any organization or individual is prohibited.

1. Core User Rights

Legal Use Right: Users have the right to legally use the platform's openly accessible original content (such as credit reporting course materials and credit optimization guides) for non-commercial purposes, such as personal learning and credit management reference. During use, they can enjoy the platform's supporting services, such as content visualization and offline viewing.

Right to Intellectual Property Rights: Users have the right to clearly understand the copyright ownership of the platform's content, technology, and visual works. The platform prominently displays key information, such as copyright authorization rules and usage restrictions, to ensure users' right to make informed choices. Right to Monitor and Report Infringement: If you discover that a third party has plagiarized the platform's original content, counterfeited its visual design, or hacked its core technology, you have the right to report it through the platform's customer service channel (email: cs@ptdaniswarateknologi.com) and receive feedback on the progress of the infringement, thereby contributing to copyright protection.

Protection of Ownership of Owned Content: The intellectual property rights of original content uploaded by users on the platform, such as personal credit management notes and experience sharing, belong to the users themselves. The platform only grants limited use rights necessary to provide services and will not use the content beyond the scope of the agreement or license it to third parties without the user's consent.

2. Basic User Obligations

Comply with Copyright Usage Rules: When using platform content, you must not exceed the scope of legal authorization. You may not copy, reprint, adapt, or use it for commercial purposes (such as creating paid tutorials or generating traffic for self-media) without written permission. Reprinting authorized content must indicate "Source: CreditScan."

Preventing Infringement: You must not engage in infringing activities such as circumventing the platform's technical protection measures, reverse engineering software programs, or tampering with copyright notices. You may not use platform services to disseminate or store content that infringes on the intellectual property rights of third parties (such as pirated credit information or infringement analysis tools). Ensuring the legality of your own content: When uploading original content, you must ensure that it is original and does not infringe upon the copyrights, trade secrets, or other legal rights of others. Users will bear the legal responsibility for any disputes arising from content infringement.

Cooperate with copyright protection efforts: Upon receiving a platform verification notice regarding suspected infringement, users must promptly provide relevant supporting documentation. When reporting infringement, users must truthfully explain the situation and must not fabricate false information to interfere with the processing process.

In operating the CreditScan platform, user data security is a core principle we uphold. All user data collected by the platform is used solely to assist users in completing the loan application process and continuously improve the platform's service quality. Except as expressly stated below, we will never share, resell, or disclose user data with unaffiliated third parties.

Specific data sharing partners include:

• Lending institutions selected and designated by users;
• Financial institutions with whom we have established formal partnerships;
• Third-party service providers integrated into this app (such as various third-party SDK tools);
• Subsidiaries and affiliated companies of this platform, as well as internal platform staff (including customer service personnel).

All of the aforementioned partners do not fall under the definition of "unaffiliated third parties." "Unaffiliated third parties," as defined herein, refer to any external organization or individual not directly involved in the platform's business operations, service offerings, or the user loan application process.

Third-Party SDK Related Information

AppsFlyer (Official Privacy Statement Link: https://www.appsflyer.com/): We will collect and share device-related information with them. The core purpose is to optimize ad performance and conduct data analysis to help improve service accuracy.

Additional Note on Data Sharing:

We will only share your relevant data with the aforementioned affiliated entities to the extent reasonably necessary to "improve service levels, optimize the user experience, or facilitate the loan application process." Aside from the sharing partners listed above, we will not provide your personal information to any unaffiliated third parties without your explicit permission.

We solemnly promise to strictly comply with relevant laws and regulations, implement necessary technical safeguards and implement comprehensive management mechanisms to fully safeguard the security of your personal information.

If you have any questions or comments about this Privacy Policy or our data processing practices, please feel free to contact us at the following email address. We will be happy to answer your questions: