1. Introduction
Thank you for choosing the Credit Prairie mobile application (hereinafter referred to as "the App"). Protecting user privacy and ensuring information security are fundamental principles of our service. By registering an account, accessing the App, or using any features provided by Credit Prairie, you acknowledge that you have read, understood, and agreed to the information handling practices described in this Privacy Policy. This Privacy Policy is an integral part of your use of Credit Prairie services and applies to all interactions occurring through the App and related services. It outlines the rules and standards governing how we collect, process, store, disclose, retain, and protect personal information. Credit Prairie adheres to the principles of legality, necessity, fairness, and transparency when processing personal information. We strive to ensure users clearly understand what information we collect, the purposes of such collection, how the information is used, and the security measures we implement to protect it.2. Information We Collect
Personal Information We collect personally identifiable information only when users apply for a credit limit through our official application. Such information may include full name, age, gender, marital status, residential address, mobile phone number, employment details, income details, bank account information, and personal image data. SMS Information Upon authorization, this application may access SMS messages related to finance and verification for purposes such as One-Time Password (OTP) verification, transaction confirmation, and fraud prevention. We do not access personal SMS messages unrelated to the aforementioned purposes.The information collected will be encrypted and uploaded to (https://if.creditprairie.net) for storage and will never be shared with third parties. We are committed to strictly protecting the privacy and security of user data and ensuring that this information is not misused or leaked. Once the credit assessment is complete, the SMS data is automatically and permanently deleted from our servers. Approximate Location With explicit permission, we collect approximate location information to support address verification, fraud prevention, compliance monitoring, and risk management functions. Camera With explicit permission, we may request authorization to access your camera for identity verification purposes. Uploaded images are retained only for as long as necessary to complete the verification process and comply with regulatory requirements, and are securely deleted thereafter. We access or use such information only with your prior consent. Installed Applications With authorization, we collect usage information regarding applications installed on the user's device, including application names, installation status, and usage frequency, solely for fraud prevention and risk analysis purposes. This information helps improve service quality, enhance fraud monitoring, and optimize risk management systems. Device Information With the user's consent, we collect information related to the device, including device model, operating system version, device identifiers, network details, and operational parameters. This data is used for security protection, anti-fraud verification, and credit risk analysis.3. Purposes of Information Processing
Credit Prairie processes user information solely for legitimate business and service-related purposes, including:Creating and maintaining user accounts;
Verifying identity and preventing unauthorized access;
Supporting eligibility assessments for financial products, where applicable;
Detecting fraud, abuse, or suspicious activity;
Improving platform performance and service quality;
Responding to user inquiries and providing customer support;
Complying with applicable laws, regulations, and lawful requests from government authorities.
We do not collect or use personal information for purposes unrelated to the services provided by Credit Prairie.4. Information Security
Credit Prairie employs reasonable administrative, technical, and organizational measures to protect personal information against unauthorized access, use, modification, disclosure, or loss. Security measures may include:Encrypted transmission of sensitive information;
Access control and identity authentication mechanisms;
System monitoring and security audits;
Secure data storage environments and internal data protection processes.
While we take reasonable measures to protect information security, no method of electronic transmission or storage can guarantee absolute security.5. Information Retention Period
Personal information is retained only for the period necessary to achieve the following purposes:Providing and maintaining relevant services;
Fulfilling legal and regulatory obligations;
Resolving disputes and enforcing agreements;
Maintaining necessary business records.
When information is no longer required, we will securely delete, anonymize, or otherwise appropriately dispose of the relevant information in accordance with applicable laws and regulations.6. User Rights
To the extent permitted by applicable laws and regulations, you may have the following rights:Accessing certain personal information;
Correcting inaccurate or incomplete information;
Requesting the deletion of relevant information where permitted by law;
Withdrawing consent for specific information processing activities;
Making inquiries or lodging complaints regarding privacy protection.
You may submit relevant requests using the contact information below.