This Privacy Policy (the "Policy") is developed in accordance with applicable information technology laws and regulations (including those regarding reasonable security practices and procedures, sensitive personal data or information), and other relevant rules and regulations.
We have developed a mobile application called "ZoomAdvance" (the "App") that allows users to apply for short-term, unsecured loans (credit). We collect your personal information through the mobile application form provided within the App.
Your acceptance of this Policy constitutes a legal agreement between you, the User, and us, the Platform owner.
This Policy details our policies and procedures regarding the collection, use, storage, processing, disclosure, and protection of various types of information (including, but not limited to, personal or business information provided by you) when you use the Platform.
"User" means any individual who accesses, uses, negotiates, and/or completes a transaction through the App or uses our services.
By accessing/browsing the Platform through the App and actively providing us with information (including personal and/or non-personal information), you consent to our collection, use, sharing, retention, and disclosure of your information in accordance with this Policy. This Policy does not apply to any third-party applications accessed through links on the Platform. If you do not agree to this Policy, please immediately cease using or accessing this Platform.
Information Collection
Our website and/or mobile application may store your personal information, including your name, national identification document, date of birth, gender, educational background, religious affiliation, photograph, physical address, email address, occupation, marital status, contact information, emergency contacts, phone number, SIM card information, financial and credit information (including mobile money account information, bank account information, and bank verification code (if applicable)), and the account ID and/or password used to log in to the application after registration. We may also collect certain information as necessary to process your request, complete a delivery, or fulfill related procedures.
SMS
We only collect your financial SMS data from the last 12 months, including sender name, transaction description, and amount, for credit risk assessment and to expedite loan approval and repayment processes. Your personal SMS content will not be read, stored, or shared. The relevant data will be uploaded to ZoomAdvance servers (https://www.sprintmoney.net) and kept strictly confidential and protected.
Contacts
To improve your credit profile and facilitate referrals for loan applications, we will access information about all contacts in your phone book, including name, number, and date added. We will never store, share, or transmit this data to any third party. Contact information will be uploaded to ZoomAdvance's servers (https://www.sprintmoney.net) and kept strictly confidential.
Call Logs
If you authorize us to access your call logs, we will conduct a credit risk assessment via voice call to confirm that you have successfully installed our app. To ensure network security, we will only download and transfer call logs to our servers (https://www.sprintmoney.net) with your explicit consent. We will never share this data with third parties and only collect call logs from the last hour.
Installed Apps
To assess user behavior and risk, we monitor and collect information about installed apps, including app name, package name, and installation time. This data is uploaded to our servers (https://www.sprintmoney.net) using encrypted HTTPS and is never shared with third parties.
Master Account
ZoomAdvance may request access to your master account information to conduct risk assessments and provide you with pre-approved loan offers. This information is encrypted and uploaded to an external server (https://www.sprintmoney.net) for use in identifying and analyzing user behavior and risk, thereby effectively preventing fraud.
Calendar
To help you maintain timely payments and maintain a positive credit history, we may request access to your calendar. We only collect information about the financial transactions marked on your calendar and upload this data to our server (https://www.sprintmoney.net) via HTTPS. This data is never shared with third parties.
Phone Number
To prevent fraud and ensure the loan applicant is genuine, we use your phone's IMEI number. We do not automatically obtain user phone numbers to complete the login process, nor do we store data on unapproved applicants. In case of questions, this information will be uploaded to our customer service staff and external consultants (https://www.sprintmoney.net) for analysis and review to assess the risk of multiple loans, loan approvals, and fraud prevention.
Location Information
For risk assessment and credit scoring, we collect and monitor device location information. This location data is uploaded to ZoomAdvance servers (https://www.sprintmoney.net) and is fully protected and confidential.
Storage and Photos
If you authorize us to access your device storage, you may upload photos or documents to complete your loan application. This data is encrypted and uploaded to our member servers (https://www.sprintmoney.net) via HTTPS. It is kept strictly confidential and never shared with third parties.
Mobile Phone Information
To identify your device and prevent unauthorized use and fraud, we collect and monitor device-related information, including name, model, region, language, identifiers, hardware and software information, status, usage patterns, and unique identifiers (such as IMEI and serial number). Furthermore, to assess your borrowing propensity and debt load, we collect a detailed list of installed applications and upload this data to our highly secure ZoomAdvance servers (https://www.sprintmoney.net).
Camera
If you authorize the use of your camera to capture images/videos to expedite the loan application process, the data will be uploaded to ZoomAdvance's servers (https://www.sprintmoney.net) and protected and kept confidential.
Data Storage
All collected information will be stored on ZoomAdvance's highly secure servers (https://www.sprintmoney.net) and will not be shared with any third party.
Files
We may need to collect and use file information to provide you with the mobile app and related services, or to comply with legal obligations. Your personal files are only uploaded to ZoomAdvance's servers (https://www.sprintmoney.net) and will never be shared with third parties.
Microphone
ZoomAdvance may use a microphone to record video for identity verification during the loan process, ensuring account security and streamlining the process. Camera data will be provided to ZoomAdvance's servers (https://www.sprintmoney.net) and protected and kept confidential.
Personal Information We Collect
We are continually striving to minimize the amount of personal information we collect from ZoomAdvance users. When you contact us for support, report bugs or other vulnerabilities, or interact with us through social media, we may process your information. When using our services, we process public wallet addresses generated by ZoomAdvance to assess credit eligibility and expedite loan disbursements. To properly use our services, we need to access certain phone permissions, such as address book, SMS, and camera. You can contact our customer service center at any time to request deletion of your personal information. We will not use or process your personal information except as expressly provided in this Policy.
Children's Privacy
Our services are not intended for persons under the age of 18 ("Children").
We do not knowingly collect personally identifiable information from users under the age of 18. If you are a parent or guardian and discover that your child has provided us with personal data, please contact us immediately. If we discover that we have collected personal data from a child without parental consent, we will promptly remove the relevant information from our servers.
Updates to this Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of the updated policy by posting it on this page.
We will notify you by email and/or a prominent notice within our services before the changes take effect and update the "Effective Date" at the top of the policy.
We recommend that you review this policy periodically for any changes. Any changes to this Privacy Policy will be effective upon posting them on this page.
Cookies
A cookie is a small file stored on your computer or mobile device. Accepting this file generates a cookie, which is used to collect information about web traffic and facilitate the user's use of the website or application on subsequent visits. Cookies can also be used to identify users and provide better, more personalized service. Our website and/or mobile application use cookies to identify the pages a user visits and their frequency. This information is used for statistical analysis and is permanently deleted after the analysis is complete. Please note that cookies are only used to improve the user experience on our website and application. We do not access information on your computer or mobile device through cookies unless you explicitly delete them. You can choose to accept or reject cookies. Most browsers accept cookies by default, providing a smoother browsing experience. You can also adjust your device settings to reject cookies, but this may prevent you from using some of our services.
Contact Us
Email: creditoveloz63@gmail.com