Privacy Policy

This Privacy Policy ("Policy") explains how CreditRush ("we", "us", or "our") collects, uses, stores, shares, and protects your personal information when you use our mobile application ("App") or website ("Platform").

By using our Platform, you agree to this Policy. If you do not agree with any part of this Policy, please stop using the Platform immediately.

Information We Collect

To provide you with financial services, identity verification, and fraud-prevention risk control, we may collect the following information with your authorization. All data is transmitted securely to: https://api.creditrush.site

1.1 Personal Data

We may collect the following information:

Name, gender, date of birth, ID number
Phone number
Emergency contact (name, phone number, relationship to the user)
Occupation status, income, loan purpose

Purpose:

Create a user account
Identity verification
Customer support
Loan application processing

This information is not shared with any third parties.

1.2 Device Information

To ensure account security and prevent fraud, we may collect:

Device name, model, and manufacturer
Operating system version
Language and region settings
Unique device identifiers (Android ID)
Advertising ID (GAID)
Network and hardware information

Used for:

Preventing unauthorized device operations
Risk assessment
Fraud detection

Camera (Selfie + Identity Photos)

Purpose:

Identity verification
Preventing others from using your identity for loan fraud

We do not use your photos for biometric model training or for any other unrelated purpose.

Log Data

When the application experiences an error, we may automatically collect:

IP address
Device model
Operating system version
Crash logs
Time and date of use

This information is used for diagnostics and improving our services.

Third-Party Service Providers

We may use third-party services to support our App, including:

Google Play Services
Firebase / Firebase Analytics
Firebase Crashlytics

These third parties may automatically collect:

Device identifiers
Performance data
Crash information
Analytics data

All third parties are contractually obligated not to misuse your data.

Data Sharing and Disclosure

Your data may be shared with:

Credit agencies and financial institutions (for credit scoring and reporting)
Government agencies required by law (e.g., as required by law)

Data Security

We implement industry-standard security measures to protect your data, including:

128-bit SSL encrypted transmission
HTTPS secure communication
Server access control
Employee access restrictions
Periodic security audits

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

Data Retention and Deletion

We retain your data for the following periods:

As long as necessary to provide our services
As required to comply with laws and regulations
For fraud prevention purposes

You may contact us at any time to request deletion of your personal data. After deletion, you may no longer be able to use services that require this data.

Your Rights

You have the right to:

Access your personal data
Correct your personal data
Delete your data
Withdraw consent
Decline marketing communications

We will process your request in accordance with applicable laws.

Cookie

This application only utilizes Cookie technology on specific H5 pages to temporarily store non-sensitive information (e.g., device type, access time) for the purposes of optimizing page functionality, enhancing user experience, and ensuring service stability. All Cookie data does not include personally identifiable information (PII) or sensitive information, is not shared with any third parties, and is automatically deleted immediately after users close the browser or exit the H5 page.

Children's Privacy

Our services are not intended for individuals under the age of 18. If we discover that we have collected information from a minor, we will delete it immediately.

Changes to This Policy

We may update this Policy to reflect changes in our services or legal requirements. Your continued use of the Platform constitutes acceptance of the updated Policy.