Privacy Policy

Effective Date: [7 Feb, 2025]

Welcome to MoneyMate! Your privacy is important to us. This Privacy Policy explains how we collect, use, and safeguard your personal information when you use our app.

1. Information We Collect

We collect the following types of information:

• Personal Information: Name, email address, phone number, and other account details.
• Financial Information: Credit score, loan details, and borrowing history voluntarily provided by you.
• Device Information: IP address, device type, operating system, and app usage analytics.
• Usage Data: User activity within the app, including pages visited and interactions.
• Cookies & Tracking: We use cookies and similar technologies to track user behavior and improve our services.

2. How We Use Your Information

Your information is used to:

• Provide personalized credit and loan analysis.
• Assess loan eligibility and estimate approval probability.
• Improve our services and develop new features.
• Ensure security and prevent fraudulent activity.
• Comply with legal and regulatory requirements.

3. Data Security

We implement strict security measures to protect your personal data, including:

• Bank-level encryption for data transmission and storage.
• Secure authentication and access controls.
• Regular security audits and compliance checks.

4. Sharing of Information

We do not sell or rent your personal information. However, we may share your data with:

• Trusted third-party service providers for analytics, security, and customer support.
• Regulatory authorities when required by law.
• Business partners offering relevant financial services, with your consent.

5. Your Rights and Choices

You have the right to:

• Access and review the personal data we hold about you.
• Request correction or deletion of your data.
• Withdraw consent for data processing at any time.
• Opt out of marketing communications.

6. Data Retention

We retain your data for as long as necessary to provide our services or comply with legal obligations. When no longer needed, your data will be securely deleted or anonymized.

7. Cookies and Tracking Technologies

We use cookies and tracking technologies to enhance user experience and analyze app performance. You can manage cookie preferences in your browser settings.

8. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be notified through the app and our website.

9. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Company: Beijing Xingchenguangnian Technology Co., Ltd

Email: CosmicRayDev@outlook.com

Website: https://fm-xcgn.web.app/

Note: MoneyMate does not provide loans or credit products directly. The information provided is for educational and analytical purposes only.