Privacy Policy

Welcome to MoneyWay! We understand the importance of personal information and are committed to protecting your privacy in a transparent and secure manner. This Privacy Policy (hereinafter referred to as "this Policy") aims to explain how we collect, use, store, share, and protect your personal information.

By using our mobile application (hereinafter referred to as the "App") or website (hereinafter referred to as the "Platform"), you acknowledge that you have read and agree to this Policy. If you do not agree with any part of this Policy, please stop using the Platform immediately.

1. Information We Collect

To provide you with loan services, complete identity verification, and prevent fraud risks, we will collect the following information upon obtaining your explicit authorization. All data is securely transmitted to our servers via encryption.

1.1 Personal Information

We may collect the following information:

• Name, gender, date of birth, ID card number
• Phone number
• Emergency contact (name, phone number, relationship to the user)
• Your selfie photo

Purposes:

• Registering and managing your account
• Verifying your identity
• Providing customer support
• Processing your loan application

The above information will not be shared with any third party.

1.2 Device and Network Information

To ensure account security and prevent fraudulent activities, we may collect:

• Device name and model
• Operating system version
• Android ID
• Advertising Identifier (GAID)
• Wi-Fi status, network connection type

Purposes:

• Identifying abnormal or unauthorized device operations
• Risk assessment and fraud detection
• Optimizing service stability

We will not collect non-resettable device identifiers such as IMEI, serial numbers, or MAC addresses without your explicit consent.

1.3 Camera (Selfie Photo)

Purposes:

• Used for identity verification
• Preventing others from impersonating your identity for loan fraud

Your selfie photo will not be used for biometric model training or other unrelated purposes.

1.4 Location Information (Coarse Location)

Purposes:

• Enhancing risk assessment and fraud prevention capabilities
• Ensuring account security
• Complying with relevant laws and regulations

Location information is obtained only once during the loan application process and will not be continuously tracked in the background.

1.5 Notification Permissions

Purposes:

• Pushing updates on loan application progress
• Sending account security alerts
• Notifying important information such as repayment reminders

You can disable notification permissions at any time in your device's system settings.

1.6 Log Data

When the App encounters abnormalities, we may automatically collect the following information for troubleshooting and service optimization:

• IP address
• Device model
• Operating system version
• Crash logs
• Usage time and date

2. Third-Party Service Providers

To improve the service experience, we may integrate the following third-party services:

• Google Play Services
• Firebase / Firebase Analytics
• Firebase Crashlytics

These third parties may automatically collect device identifiers, performance data, crash information, and analytics data. We have signed strict confidentiality agreements with all third parties to ensure they do not misuse your data.

3. Data Security Measures

We employ industry-standard security technologies and management practices to protect your data security, including:

• 128-bit SSL encrypted transmission
• HTTPS secure communication protocol
• Strict server access control
• Tiered employee permission management
• Asymmetric encryption for data transmission and storage

We will continue to take reasonable measures to prevent your information from unauthorized access, alteration, or disclosure.

4. Data Retention and Deletion

We will retain your personal information based on the following principles:

• Continuously stored during the period of service provision
• The shortest retention period required by laws and regulations
• A reasonable period necessary for fraud prevention

If you wish to delete personal data, you may contact us at any time. After deletion, you may be unable to continue using related services that rely on such data.

5. Data Sharing and Disclosure

We may share your personal information in the following circumstances:

• Credit Reporting and Financial Institutions: For credit assessment and loan approval.
• Legal Requirements: Disclosure as required by law or legitimate requests from government authorities.

Except for the above situations, we will not sell or share your personal information with any unauthorized third party.

6. Your Rights

You have the following rights regarding your personal information:

• Access and copy your personal information
• Correct inaccurate or incomplete information
• Request deletion of your personal information
• Withdraw previously granted consent
• Refuse to receive marketing information

We will respond to your requests within a reasonable timeframe in accordance with applicable laws and regulations.

7. Cookie Usage

This application uses Cookie technology only on specific H5 pages to temporarily store non-sensitive information such as device type and access time. This is used to optimize page functionality, improve user experience, and ensure service stability. Cookie data does not contain any personally identifiable or sensitive information, is not shared with third parties, and is automatically deleted when you close the browser or exit the H5 page.

8. Protection of Minors

This Platform and its services are intended solely for adult users aged 18 and above. If we discover that we have inadvertently collected personal information from a minor, we will delete it immediately.

9. Contact Us

If you have any questions, suggestions, or need to exercise your rights regarding this Policy, please contact us via the following methods:

• Email: support@otaigo.top
• Website: https://www.otaigo.top
• Service Hours: Monday to Saturday, 8:30 – 18:00