PRIVACY POLICY

Thank you for choosing the Lend Zone app. We value your privacy and take every measure to protect any personal information you share with us. This Privacy Policy explains how we gather, utilize, and safeguard your data when you use our services. By accessing or using the app, you confirm that you understand and accept these terms. Please review this policy carefully to learn how we handle your personal information.

INFORMATION WE COLLECT AND WHY

We may need certain personal and device-related details to provide you with a better user experience. We gather this data solely to enhance your interactions with Lend Zone, while maintaining the highest levels of privacy and regulatory compliance. Below is an overview of the types of data we might request, why they are necessary, and how they help us serve you:

All data is collected only with your explicit permission, and no information will be accessed without it. If you do not agree to share this data, please discontinue using our app.

SMS Data
We may request access to SMS messages containing account balances, transaction histories, and other financial details to more accurately evaluate your eligibility for loan products. Your SMS data will only be accessed with your consent and safely transmitted to https://api.lendzone.net/. It will be permanently removed from our systems once the credit evaluation is finished.

Installed Apps
We collect details about your installed financial apps—such as names, installation dates, and versions—to help identify possible security risks and protect your loan application. This information is collected with your approval and stored securely at https://api.lendzone.net/. It is removed once the assessment is complete.

Camera Access
During the application process, we may request access to your camera so you can upload documents (e.g., KYC documents). This helps us confirm your identity and secure the loan process. Uploaded documents are stored securely at https://api.lendzone.net/ and deleted once the application has been processed.

Device Information
We may collect technical details about your device, such as model, brand, IMEI, Google Advertising ID, and operating system. This information is important for preventing fraud, ensuring account security, and optimizing the app for your device’s performance. We transmit this data to https://api.lendzone.net/ and remove it after the risk assessment.

Personal and Professional Information
When you apply for a loan, we may ask you to provide personal information, including but not limited to your phone number, name, email, date of birth, address, occupation and income. This data is used to assess credit risk and prevent fraudulent activities. All information will be uploaded to https://api.lendzone.net/ and deleted after risk assessment.

Camera and Media Access

During the loan application process, we may request access to your device's camera and media files to upload essential documents, such as KYC identity proof. This helps streamline your submission process. All data will be securely transmitted to https://api.lendzone.net/ and automatically deleted upon successful evaluation.

Location Information

In order to enhance your experience and provide better services, we will collect your approximate location information, but we will not obtain your detailed geographic location information. You have full control over your location permissions and can manage or revoke access at any time through your device settings. However, restricting location access may limit certain application features. By continuing to use our application, you acknowledge and agree that we use location data as described in this policy. The information will be uploaded to https://api.lendzone.net/ and deleted after risk assessment.

Calendar Information

Our application requests access to your device's calendar to remind you of important matters such as repayments, helping you to arrange your schedule properly and avoid a drop in your credit level due to delayed repayments. You have full control over this permission and can modify or revoke access at any time through your device settings. The information will be uploaded to https://api.lendzone.net/ and deleted after risk assessment.

Call Log

We will initiate a voice call with you in order to deliver the dynamic OTP to your mobile device. The purpose of collecting call records is to verify whether our application is installed on your phone and retrieve the voice OTP logs sent to you by our application. On the one hand, this allows us to understand whether our voice OTP can be successfully sent to you; on the other hand, it helps us improve and optimize our voice OTP function. We will only collect this information with your explicit consent. The collected data will be securely uploaded to https://api.lzoneapp.com, and we assure you that it will not be shared with any third party under any circumstances.

Use of Information 

We will only collect and use your personal information with your explicit consent. If you do not consent to us obtaining the above information, you can still browse our application, but you may not be able to use our services.

HOW YOUR DATA IS USED

We utilize the collected information for several critical purposes, including:

• Verifying your identity and setting up your account
• Offering services and products provided by Lend Zone and our partners
• Complying with legal and regulatory requirements (e.g., KYC checks)
• Facilitating payment processing and addressing inquiries
• Preventing fraudulent or unauthorized transactions
• Personalizing your experience with tailored recommendations
• Securing your account and protecting your personal data
• Improving our app and services based on user feedback
• Conducting credit evaluations to offer suitable financial products

DATA SECURITY

We employ various security measures to ensure your personal data remains protected:

• Restricting access to personal information to authorized personnel only
• Adhering to legal requirements for privacy and secure communication
• Encrypting sensitive data to block unauthorized entry
• Removing personal information from our systems once processing is complete

Disclosure to third parties

We may share your information with our lending partners to process loan applications and assess your creditworthiness. Additionally, as required by law or upon request from regulatory, governmental, judicial, or quasi-judicial authorities, we may disclose your personal information to comply with legal obligations. By agreeing to this Privacy Policy, you acknowledge and consent to such regulatory disclosures. Rest assured, any data shared with third parties beyond these circumstances will require your explicit consent. Outside of these provisions, we do not disclose or share your personal information with any third party, ensuring its strict confidentiality and protection.

PROTECTION OF MINORS

Our app and related services are intended for individuals aged 18 or older. We do not intentionally collect information from minors. If we discover that data from an individual under 18 has been inadvertently collected, we will delete it promptly. If you are a parent or legal guardian who believes your child may have provided personal information, please contact us immediately so we can take appropriate action.

YOUR CONSENT AND RIGHTS

By using our app, you consent to the collection and usage of your personal data as outlined in this Privacy Policy. You also accept any modifications we may make in the future. We suggest reviewing this policy periodically, and if you disagree with any revisions, please discontinue using the app immediately.

POLICY UPDATES

We may revise this Privacy Policy occasionally to reflect changes in our services or compliance requirements. Any modifications will be posted on this page and become effective immediately upon publication. By continuing to use Lend Zone after updates are published, you acknowledge and agree to the revised terms.

CONTACT US

If you have questions or need further information on how we handle data, feel free to reach out to us:

Email: services@kifainvest.com