Privacy Policy - DaloyCash

Last Updated: 2025-03-14

1. Introduction

   DaloyCash's developer, KAASENSO LENDING CORPORATION( SEC Registration Number: CS201900252. & Certificate of Authority No.2869).DaloyCash ("we", "us", or "our") is committed to protecting your personal data in compliance with global data protection standards (e.g., GDPR, CCPA) and Google Play policies.This policy outlines how we collect, use, share, and secure your information when you use our loan services.

2. Information We Collect

   A.Personal information provided by users After your registration, we process, collect, store, use and disclose some of the information you provide for the following purposes (including but not limited to):

  • (1) Personal Information provide by users: Full name, gender, date of birth, ID card information, phone number, email address, Facebook account, address details, emergency contacts, education level, religious information, job information, monthly income, borrower's e-wallet/bank account information.
  • (2) Purpose/Use a. Used for identity verification, comparison of information, and verification with third parties to ensure the accuracy of the information. b. To monitor, detect, analyze and prevent actual or suspected crimes, fraud, and business risks. c. Develop, enhance and maintain risk control assessment processes and models. d. To notify you about offers, products, services and updates. e. Resolving complaints and processing requests f. Customize your experience; improve our services; measure consumer interest and satisfaction with our products and services. g. Disclose your data in order to meet legal and regulatory requirements.

B.Third Party Information

   In the due course of using our services, we may collect information about you from a limited number of third parties such as credit bureaus and other identity verification and fraud prevention services. This information we collect from such third party sources is governed by your privacy policies agreed with those sources and with your express consent. DaloyCash will never share data to the third party without your permission. It will only collect under your consent. The data will transfer and upload over a secure connection(https). We use this data to create your profile, assess your credit-worthiness and prevent loan fraud, so that we can provide you with the best available services.

   How DaloyCash store and protect Users Personal Information DaloyCash is committed to protecting the security of your personal information. All transaction data is protected by 128-bit SSL encryption. Data will be uploaded and stored to our server via a secure connection: (https://api.daloycash.com). We periodically review this Privacy Policy and ensure that we process your information in a manner consistent with this policy. We will collect and use customer data to a minimum.

3. Camera

   We request access to your camera, which allows you to take photos of your ID and face and upload them to our platform to complete the necessary KYC (Know Your Customer) verification process for loan services. We do not have access to photos or videos stored on your device. Camera access requires your consent, and if permission is not granted, you will not be able to take or update images.

4. Emergency Contacts

   We only collect the information of your 5 emergency contacts, including relationship, name, and phone number. This information is used solely for verifying the borrower’s identity, assessing eligibility, and analyzing risks and fraud prevention. You can Automatically selecting contacts from contact list:

   The automatic option is a convenient method that allows you to select specific contacts from your contacts and quickly upload their information into our app. It is important to note that this method only collects the information of the contacts you explicitly choose and does not access your entire contact list. We will never share your data with any third parties without your permission. Your data will be securely transmitted and stored on our servers via an HTTPS connection method.

  • All transactions involving personal data are encrypted using 128-bit SSL technology.
  • We implement strict security procedures and features to prevent unauthorized access.
  • Our internal teams follow secure protocols when accessing your data.
  • Access to personal information is restricted to authorized personnel only, ensuring data protection at every stage.

5.PERMISSION: Notification Permission

   Our app requests the "Post Notifications" permission (POST_NOTIFICATIONS) to send you important alerts, updates, or personalized messages, such as transaction alerts, event reminders, and service updates.You may enable or disable this permission at any time in your device settings. We do not use this permission to collect or share any of your personal information.

6.PERMISSION: Install app list

   We may need to compile a list of metadata information of the installed applications including the application name and package name of each application installed on your device to assess your creditworthiness and enrich your profile with pre-approved custom loan offers.

7.PERMISSION: Location

   We may collect the location information of your device and upload it to our servers in order to ensure the safety of your account, including the GPS, the longitude, latitude, location area, location area code, positioning mode, positioning time, and other position-related information of the user equipment. When you log in to our Application in a different location, we will confirm with you to ensure there is no risk to your account.

8.Normal permissions

  • (1) ACCESS_WIFI_STATE
  • By using this permission, DaloyCash may collect your Wi-Fi address for risk assessment and to identify unusual behavior.
  • (2) ACCESS_NETWORK_STATE
  • By using this permission, DaloyCash may collect your network information, including network address, connection status, and connection type. This helps us prevent data loss or processing delays due to network interruptions, and it can also be used for risk assessment and to identify unusual network behavior.
  • (3) AD_ID
  • By using this permission, DaloyCash may collect your Google Advertising ID (GAID) to analyze advertising data and optimize your advertising experience. If you wish to disable this permission, you can turn it off from "Personalized Ads" in your device settings.

9. Purpose of Data Collection

   We collect data **only for necessary and lawful purposes**, including:

  • - Processing loan applications and transactions.
  • - Identity verification & eligibility assessment.
  • - Fraud detection and prevention.
  • - Compliance with legal obligations (e.g., anti-money laundering laws).
  • - Sending service updates (opt-out available).

10. How We Protect Your Personal Information

   We are dedicated to safeguarding your personal information using state - of - the - art technology. We adhere to industry - recognized standards to maintain the security of your data and prevent unauthorized access or fraud.

  • All transactions involving personal data are encrypted using 128 - bit SSL technology.
  • We implement strict security procedures and features to prevent unauthorized access.
  • Our internal teams follow secure protocols when accessing your data.
  • Access to personal information is restricted to authorized personnel only, ensuring data protection at every stage.

11. Data Privacy Rights

   Under applicable data protection laws, such as the Data Privacy Act of 2012 (Republic Act No. 10173), you possess the following rights:

  • Right to be informed.
  • Right to object to processing.
  • Right to access your personal data.
  • Right to rectify inaccurate data.
  • Right to erase or block personal data.
  • Right to data portability.
  • Right to file complaints and seek compensation for damages.

12. Entire Agreement

   By providing your personal information, you confirm that you have read and comprehend this Privacy Policy and consent to the collection, processing, and sharing of your personal data as described herein. This Privacy Policy, together with any service agreements, constitutes the entire agreement between you and DaloyCash, superseding all previous agreements or understandings regarding your personal data.

13. Questions or Concerns

   If you have any inquiries or concerns regarding this Privacy Policy or our use of your personal information, please contact us at cs@daloycash.com This Privacy Policy may be updated periodically. Please visit this page regularly to stay informed about the latest changes.

14. Policy Updates

   We will notify users of material changes via in-app alerts or email. Continued use constitutes acceptance of revised terms.

15. Removal of Personal Data

   When a user initiates account deletion, **DaloyCash** will permanently remove the account from our active systems and erase all associated personal data **except where retention is legally mandated**. This process empowers users to exercise control over their digital footprint and personal information.

   Important Considerations:

  • 1. **Irreversible Action**: Once deletion is completed, account recovery becomes technically impossible. All transaction history, rewards, and account preferences will be permanently erased.
  • 2. **Legal Compliance**: We retain minimal necessary data only when required by financial regulations or audit obligations.

16. Contact Us

   For questions or breach reports, contact:

   **Data Protection Officer**

   Email: cs@daloycash.com