1. Introduction

This Privacy Policy (hereinafter referred to as "this Policy") describes the practices of CreditNexus (hereinafter referred to as "we" or "our") regarding the storage, use, processing, and disclosure of personal data that you (hereinafter referred to as "you") choose to share with us.

At CreditNexus, we are committed to protecting your personal data and respecting your privacy. Please read the following policy terms carefully to understand our practices regarding your personal data and how we will handle your personal data. This policy sets out how we will process any personal data that we collect about you or that you provide to us.

By agreeing to our processing of your personal data, you acknowledge that we will collect, store, use, and disclose your personal data in accordance with this policy.

2. What Information We Collect

Due to the functional requirements of CreditNexus, we may need users to grant certain application permissions and collect certain user and device information. All information will be encrypted and uploaded to our servers.

• Basic Personal Information

We need to collect your personal identification information, including your name, education, date of birth, gender, occupation, and income information, for account registration, identity verification, and customer contact.

• Camera Permission

During the credit scoring assessment process, users can choose to upload a photo of their ID card. This photo is only used for user identity verification and risk control during the assessment process and will not be used for any other purpose, nor will it be shared with any third party or processed in any other way.

• Call Log Permission

Our app uses phone call verification as a fallback when users cannot receive SMS codes. To complete this verification, we require the READ_CALL_LOG permission. It allows the app to automatically confirm that the expected verification call was received on the device, proving user possession and preventing fraud. This is a necessary and secure step for our login process.

• Approximate Location

We need to obtain your approximate geographical location information, including GPS and network location data, for risk management, regional credit analysis, and service customization.

• Device Information

When you use our services, we may collect information about your device, such as device name, model, region and language settings, unique device identifier, hardware and software details, status, and usage patterns. This is used for marketing purposes, ensuring account security, preventing fraud, and analyzing service stability.

• Installed Application List Information

To perform device risk identification, anti-fraud monitoring, and improve the accuracy of credit assessment, we will access some of the installed application list information on your device. We only obtain necessary fields, such as application name, package name, and installation time, and will not collect any application content or account data. The obtained information will be filtered by package name, encrypted, and uploaded to our servers for storage. We highly value user data privacy and security protection and take strict measures to ensure that this information is not misused or leaked.

3. Reasons for Our Information Collection

• Generate accurate credit analysis reports;

• To comply with any risk, regulatory, or legal obligations;

• To conduct risk analysis and assessment of our services, service websites, and markets;

• To detect and prevent fraud and other illegal uses of our services and service websites;

• To improve the services we provide to you and your experience with us;

• To identify, verify, and authenticate your identity.

4. How CreditNexus Safeguards Your Data Security

We implement robust, multi-layered security protocols to protect your information, including:

• SSL/TLS encryption for data transmission;

• Encrypted storage of sensitive data;

• Strict access control mechanisms;

• Regular security audits and vulnerability fixes;

• Employee security training & compliance oversight.

Note: While we adopt industry-leading safeguards, inherent risks exist in internet data transmission. Please keep your account credentials confidential at all times.

5. Your Rights and Choices

You retain control of your personal information, with the following options:

• Request access to, correction of, or deletion of your personal data.

• Withdraw applicable consent;

• Contact our support team for privacy-related inquiries.

6. Privacy Policy Changes

We regularly review this Policy and reserve the right to change or update this Policy at any time. Such changes shall be effective immediately upon posting on this Platform. Your access and use of the Platform following any such change constitutes your agreement to follow and be bound by this Policy, as updated or modified. For this reason, we encourage you to review this Policy each time you access and use the Platform.

7. Contact Us

If you have any questions regarding privacy while using the Application, or have questions about the practices, please contact the Service Provider via email at help@creditnexus.net.