Privacy Policy

We care about the privacy of our customers; therefore, this Privacy Policy is a document that regulates the treatment of information and personal data of users who access the application and/or website (hereinafter, jointly referred to as the "Platform"), owned by Rocket-Lend.

This Privacy Policy is incorporated and subject to the Terms and Conditions. PLEASE READ THIS PRIVACY POLICY CAREFULLY. THIS POLICY DESCRIBES HOW THE COMPANY OR ITS SUPPLIERS ("WE," "OUR," "Rocket-Lend") COLLECT, STORE, SECURE, AND USE YOUR PERSONAL INFORMATION. BY VISITING OUR PLATFORM OR USING ANY OF OUR SERVICES ("SERVICE") THROUGH THE PLATFORM, YOU ACCEPT THIS PRIVACY POLICY. IF YOU DO NOT ACCEPT THIS PRIVACY POLICY, YOU WILL NOT BE ABLE TO USE THE SERVICES.

OUR RESPONSIBILITIES WITH PERSONAL DATA:

Based on the Privacy Policy, Rocket-Lend, located at (LOCAL ADDRESS OF THE COMPANY), is responsible, in terms of regulations, for the collection, storage, disclosure, and use, including access, management, transmission, or deletion of personal data collected, and, in general, all personal data we collect from our users (hereinafter referred to as the "Data Subject/s").

Permissions We Request:

We kindly ask you to carefully read the following to understand our views and practices regarding your personal data and how we will treat it.

COARSE LOCATION

We collect approximate location information from your device and upload it to https://api.rocket-lend.cc/api to mitigate risks associated with your account. You are only eligible to use our service if you are within the territory of Columbia. Rocket-Lend will never share your data with third parties without your permission. Data collection will only occur with your consent. Transmission and uploading of data will be done through a secure connection (https).

CALL LOGS

Once authorization for call log viewing is granted, we will proceed to make a voice call. The purpose of collecting call logs is to verify that you are using your own mobile device to install our application and to receive our dynamic password verification on that device.

Specifically, we will monitor whether your call log receives the dynamic password verification confirmation sent by our application. Only with your explicit consent, we will upload and transmit the contents of the call logs through (https://api.rocket-lend.cc/api) using a secure connection. At no time will we share this data with third parties.

EMERGENCY CONTACTS

We will only collect your 2 emergency contacts to verify your identity, manage risks, and conduct anti-fraud checks. You have the option of how to collect contact information: a. Manual entry; b. Automatic entry: Select 1 contact from your Contacts (Note: This method only OBTAINS a selected contact from your Contacts and DOES NOT COLLECT all your contact information). Only with your explicit consent, we will upload and transmit the contents of the call logs through (https://api.rocket-lend.cc/api) in a secure network environment. At no time will we share this data with third parties.

Contact Information:

We will collect, store, and monitor your contact information, including your name, phone number, account type, and associated contacts. This data will be uploaded only with your authorization during the initial contact, during which the phone number will be used to receive a One Time Password (OTP) for registration verification.

Through a secure API login on the website homepage, address book information will be intermittently sent to our server located at (https://api.rocket-lend.cc/api). The purpose of collecting address book information is to enhance your financial profile, gain a deeper understanding of your history and reputation, and help us identify potential fraudulent loan applications to reduce credit risk.

Camera:

When you request a loan, we will use the camera to verify if the application is being made by the same customer, in order to prevent theft of your personal information.

SMS:

We need to gather all text messages (SMS), but only process those related to financial transactions. This includes SMS sent by banks and other recognized financial institutions, identifying their origin through the usual sender. Specifically, we require collecting information about loans, repayments, and transaction details from these financial SMS to assess the individual's current debt status and repayment history. This assessment allows us to generate an optimal credit score and determine whether to offer a loan based on that score, with the aim of preventing potential fraud. Only when the user consents by clicking "Accept" will the SMS be collected, securely encoded, and transmitted to (https://api.rocket-lend.cc/api). At no time will this data be shared with third parties.

Image and Video Upload:

We collect identification photographs and videos sent by users to conduct credit analysis. This enables us to better prevent fraudulent behavior. Additionally, we collect images submitted by users when reporting program errors; this helps us resolve issues more quickly. The images submitted by users will be uploaded and transmitted in encrypted form through (https://api.rocket-lend.cc/api). At no time will we share this data with third parties.

App Installation List:

We collect and monitor information related to your reported app capacity, which is uploaded and transmitted in encrypted form to (https://api.rocket-lend.cc/api) for the purpose of identifying and analyzing your behavior and risk concerning multiple loans. This helps us evaluate whether you can process the loan properly and prevent potential fraud cases. At no time will we share this data with third parties.

Storage of Personally Identifiable Information (PII):

Personal identifiable information will be encrypted, uploaded, and transmitted to our membership server (https://api.rocket-lend.cc/api) via the HTTPS protocol. We will never share this data with third parties.

Device Data:

Device Data: Rocket-Lend collects, stores, and uploads specific information about your device to https://api.rocket-lend.cc/api, including its hardware model, RAM, storage; unique device identifiers such as IMEI, serial number, SSAID; SIM information including network operator, roaming status, MNC and MCC codes, WIFI information including MAC address, and mobile network information. We use this data to uniquely identify devices and prevent fraud. This also contributes to improving your credit profile and offering you the best loan deals according to your profile. Rocket-Lend will never share the data with third parties without your permission. They will only be collected with your consent. The data will be transferred and uploaded through a secure connection (https).

Personal Data Collected for Processing:

With the above, we inform you that Rocket-Lend will obtain your personal data, either directly or indirectly, when you make a request and provide your personal data to obtain credit services from Rocket-Lend, through our website or native Android application ("App").

Rocket-Lend undertakes to process the following Personal Data using the aforementioned means:

a) Identification data

b) Contact details

c) Occupation data

d) Financial data

e) Asset data

f) Purchase data

g) Information about your mobile phone and/or Apps. This includes, without limitation, information related to your cellular service, such as: (i) operator; (ii) service payments, additional services, and/or balance top-ups for cellular service or additional services; (iii) consumption habits; (iv) brand and model of mobile phone; and (v) Apps.

This data may be used to evaluate the credit information you request, verify your identity, assess and qualify your creditworthiness, and for risk management purposes.

Data Security:

All transmissions are protected by 128-bit SSL encryption. Data is transferred and uploaded through a secure connection (https) to the server: https://api.rocket-lend.cc/api

Data Logging:

We want to inform you that whenever you use our service, in case of an error in the application, we collect data and information (via third-party products) on your phone, called Log Data. This Log Data may include information such as your device's Internet Protocol ("IP") address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.

Cookies:

Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. They are sent to your browser from the websites you visit and are stored in your device's internal memory.

This Service does not explicitly use these "cookies." However, the application may use third-party code and libraries that use "cookies" to collect information and improve its services. You have the option to accept or refuse these "cookies" and know when a "cookie" is sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.

Service Providers

We may collaborate with third-party companies and individuals for various reasons:

Facilitate the provision of our Service.
Perform tasks on our behalf to effectively deliver the Service.
Provide services related to our Service.
Help us analyze the usage of our Service to improve it.

It's important to note that these third parties may have access to your Personal Data in order to carry out tasks assigned on our behalf. However, they are committed to not disclosing or using the information for any other purpose. Below are links to the privacy policies of some of the third-party service providers used by our application:

Google Play Services
Google Analytics for Firebase
Firebase Crashlytics

These privacy policies detail how these providers handle the collected information and protect the privacy of users.

Security Precautions

We are committed to protecting your personal information and ensuring its accuracy through a series of physical, administrative, and technical security measures. Below are some of these measures:

a. Encryption: We use encryption to maintain the privacy of your data while it's in transit, meaning your data is encoded and protected during transmission over the internet.

b. OTP Verification: We offer security features like one-time password (OTP) verification to help protect your account. This adds an extra layer of security when logging into your account.

c. Review of Practices: We regularly review our practices for collecting, storing, and processing information, including physical security measures, to prevent unauthorized access to our systems.

d. Access Restriction: We restrict access to personal information only to employees, contractors, and agents who need that information to process it. These individuals are subject to strict confidentiality contractual obligations and may be sanctioned or terminated if they fail to comply with these obligations.

e. Regulatory Compliance: We comply with applicable regulations and laws regarding data protection and privacy. This includes following guidelines set by relevant regulatory authorities.

f. Periodic Review: We periodically review our Privacy Policy to ensure that we are processing your information in compliance with regulations and providing maximum protection to your privacy.

g. Handling of Complaints: When we receive formal written complaints, we respond by contacting the person who filed the complaint. We work with the relevant regulatory authorities to address any complaints related to the transfer of your data that we cannot resolve directly with you.

These measures combine to ensure that our systems maintain high standards of security and protect the information you provide to us. Your privacy and security are our top priorities.

Reactions:

We will utilize your data to generate statistics related to our user base or loan portfolio and may disclose such information to any third party for such purposes, provided that such information is always anonymous. If we intend to use your data for marketing purposes, we will inform you beforehand. You will have the right to prevent such use by informing us, within a period of 10 days from being informed of the proposed use, that you do not wish to disclose such information. You can also exercise this right at any time by contacting us at help@rocketlend.cc.

If you have any questions or suggestions regarding this Privacy Policy, please feel free to contact us:

Rocketlend

Email: help@rocketlend.cc

Office Hours: Monday to Saturday from 8:30 to 17:00

Address:

Company website: rocketlend.cc