Privacy Policy

Introduction

Credit4u is committed to protecting your personal information and privacy. This Privacy Policy explains how we collect, use, store, share, and protect your personal information when you use the Credit4u mobile application and website (collectively, the “Platform”).

By using the Platform, you confirm that you have read and agree to this Policy. If you do not agree to this Policy, please do not use our services.

1. Information We Collect

To provide credit‑related services, we may collect the following categories of personal information:

• Mobile phone number
  Used for account registration, identity verification, loan application communications, and account management.
• Device information
  Includes device brand, model, language settings, operating system status, and usage information. This is used for security protection and anti‑fraud purposes. We do not collect permanent unique device identifiers such as IMEI, MAC address, or serial number.
• Camera/selfie images
  Used only for identity verification to prevent identity theft and fraudulent applications. We access the camera only when you actively use the relevant feature.
• Loan application information
  Information you submit, such as your name, contact details, and personal background, used to assess your credit eligibility.
• Log data
  When the app crashes or encounters an error, we may collect diagnostic information such as IP address, device name, operating system version, and usage timestamps through third‑party tools to improve stability.

2. Permissions

• Mobile phone number: used for account creation, identity verification, and loan application communications.
• Device data: used for security protection and anti‑fraud purposes.
• Camera: used to capture selfie or facial images for identity verification.

All data is transmitted over encrypted channels and stored on our secure servers.

3. Third‑Party Services and Data Sharing

Our app integrates the following third‑party services, which may collect data for functionality, analytics, and crash reporting:

• Google Play Services
• Google Analytics for Firebase
• Firebase Crashlytics

These third‑party services may use cookies or similar technologies to collect information and are governed by their respective privacy policies. We recommend that you review the privacy policies of the relevant third parties.

We do not sell, rent, or share your personal information with unauthorized third parties. Where third parties collect data directly with your authorization, we require them by contract to keep that data confidential.

4. Data Security and Storage

We take the following measures to protect your personal information:

• All data transmissions use 128‑bit SSL encryption.
• Personal information is stored on our servers at: https://www.credit4u.vip
• Access controls are implemented so that only authorized personnel can access the data.
• Confidentiality obligations are imposed on employees and partners.
• We regularly review our data collection, storage, and processing practices.

5. Data Retention

We retain your personal information only for as long as necessary to provide the services, protect account security, prevent fraud, and comply with legal obligations. After the retention period expires, we will delete or anonymize the information.

6. Your Rights

You have the following rights regarding your personal information:

• Access and correction: You have the right to access, correct, or update your personal information.
• Delete account data: You may request deletion of your account and associated data. After deletion, you may no longer be able to use the services.
  Deletion request link: https://api.credit4u.vip/H5/vue/deregister?appName=Credit4u&step=1
• Withdraw consent: You can disable relevant permissions in your device settings or withdraw your consent by contacting us using the details below.
• Complaints: If you believe our data processing violates applicable law, you may file a complaint with the relevant regulatory authority.

7. Updates to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted within the Platform and the “Last updated” date will be revised. If we make material changes, we will notify you through prominent means such as an in‑app notice.

8. Contact Us

If you have any questions, comments, or requests regarding this Policy, please contact us at:

Email: dev@credit4u.vip
Office hours: Monday to Saturday, 8:30 a.m. – 5:00 p.m.
Website: https://www.credit4u.vip