Privacy Policy

PandaMoney attaches great importance to user privacy and personal information protection.

This privacy policy is closely related to the PandaMoney application you use and its various business functions (hereinafter collectively referred to as "our products or services"). We hope that you read carefully and confirm that you have fully understood this policy before using our products or services. And follow the guidelines of this Privacy Policy to make choices you deem appropriate. We try to use concise and concise terms for the relevant terms involved in this privacy policy, and provide better understanding for you. When you use our products or services, it means that you agree to the content of this Privacy Policy (including updated versions), and you agree to our collection, use, storage, sharing, and public disclosure of your relevant information in accordance with this Privacy Policy.

If you have any questions about this Privacy Policy or related matters, you can contact us at any time via customer service hijanngam@gmail.com.

1. How We Collect and Use Your Personal Information

1.1. Types of Information Collected

Information related to the terminal device and PandaMoney application you use. For example, Android version, device manufacturer information, model name, app version, etc.

Personal information related to loan services, such as ID card information, bank card information, contact information, face and profile picture, etc.

We may also collect other types of anonymous information that is not personally associated. For example, when using a specific service, it may collect user clicks or browsing of functions. The purpose of collecting such information is to improve the services we provide to you. The type and amount of information collected depends on how you use, join or participate in our products and/or services.

1.2. How We Collect Your Information

We will acquire your personal information through the following five channels:

1.2.1. Information provided directly by you: We may collect and store any information you provide us when using the PandaMoney application, including when you fill in information online, participate in online community discussions, resolve disputes, or the information provided when you contact us, and the information about your transactions and activities generated during your use of our services.

1.2.2. Information we actively collect: We will collect information sent to us by your mobile phone and other access devices during your use of PandaMoney APP and related services of our partners.

1.2.3. Information we obtain from other sources: With your consent, we may also obtain your relevant information from PandaMoney affiliates and partners, credit agencies and legal third-party organizations. We may obtain account information that you authorize to share from a third party, and log in directly through the third-party account to use our products or services after you agree to this Privacy Policy. We will use your personal information in compliance with relevant laws and regulations after confirming the legality of the source of personal information in accordance with the agreement with the third party. With your consent, we may obtain your personal information from third-party organizations that legally hold your personal information.

1.2.4. Information that is inquired, printed and retained by administrative and judicial agencies.

1.2.5. Other information obtained from legal channels.

1.3. How We Use Your Information

The main purpose of our collection of your information is to provide you with a safe, efficient and personalized service experience. We use your personal information for the following purposes:

1.3.1. Carry out real-name system management

When you use PandaMoney, we need to verify the authenticity of your identity first. For this purpose, you need to provide your identity information, bank card information and mobile phone number. We will submit the above information to a third-party identity verification agency that legally holds your above information, so as to check the accuracy of the information you provide.

1.3.2. Conduct qualification, credit and solvency checks

When you use PandaMoney, we will use your basic personal information, personally identifiable information, personal property information and other information to evaluate your credit status, and to manage and control risks. At the same time, to detect, prevent or remediate fraud or other potentially illegal activity.

1.3.3. Provision of customer service and complaint handling

When you need us to provide customer service and after-sales service related to your transaction information, we will inquire about your transaction information.

1.3.4. Improve our products to provide you with a more personalized service

We may collect your transaction information, browsing information, and your attention information for data analysis to form a user portrait, which is used to display the product or service information you are interested in. We may associate the information collected from your various devices so that we can provide you with consistent services on these devices.

1.3.5. Necessary functions to ensure the security of transactions

In order to improve system security when you use our products or services, more accurately prevent phishing website fraud and protect account security, we may obtain your browsing information, transaction information, your frequently used software information, device information and other means to determine the risk of your account, and may record some links ("URLs") that we believe are risky; we will also collect your device information to analyze PandaMoney system problems, count traffic, and troubleshoot possible risks.

1.3.6. Conduct marketing campaigns

We may use the user information provided by you and collected by us to recommend personalized products or services to you.

1.3.7. Handle disputes between the two parties

PandaMoney will provide your personal information to collection companies, law firms, courts, arbitration committees or other organizations if the dispute between you and us cannot be resolved through negotiation.

1.3.8. Collect user feedback or diagnose and solve user problems

Your feedback is extremely valuable to PandaMoney. In order to track the feedback you provide, we may use the personal information you provide to contact you and keep records.

1.3.9. Send notification

We may use your personal information to send important notifications, such as those about loans and changes to our terms, conditions and policies.

2. How We Share, Transfer, and Publicly Disclose Your Personal Information

2.1. Share

2.1.1. We will not share your personal information with any company, organization or individual other than PandaMoney (and related affiliated companies or entities providing related services), except for the following cases:

Obtain your explicit consent or authorization in advance;

In order to establish a credit system, submit your relevant information generated during our service to a third-party credit agency;

Only by sharing your information can we realize the core functions of our products or services or provide the services you need;

Handle disputes or controversies between you and others according to your needs;

Provided in accordance with the relevant agreements signed with you (including electronic agreements signed online and corresponding platform rules) or other legal documents;

Use based on academic research;

It is used based on social and public interests that comply with laws and regulations.

2.1.2. We may share your transaction information, account information, device information and other personal information with partners and other third parties to ensure the smooth completion of the services provided to you. However, we will only share your personal information for legal, legitimate, necessary, specific, and clear purposes, and will only share personal information necessary to provide services. Our partners are not authorized to use shared personal information for any other purpose.

2.1.3. We will sign strict confidentiality agreements with the companies, organizations and individuals with whom we share personal information, requiring them to process personal information in accordance with our instructions, this privacy policy and any other relevant confidentiality and security measures.

2.2. Transfer

We will not transfer your personal information to any company, organization or individual, except in the following cases:

Obtain your explicit consent or authorization in advance;

Necessary in accordance with the requirements of legal process, mandatory administrative or judicial requirements;

Compliance with the relevant agreements signed with you (including electronic agreements signed online and corresponding platform rules) or other legal documents;

When involving mergers, acquisitions, asset transfers or similar transactions, if personal information transfer is involved, we will require the new company or organization to continue to be bound by this privacy policy, otherwise we will require the company or organization to seek your authorization again.

2.3. Public Disclosure

We will only publicly disclose your personal information under the following circumstances and under the premise of adopting industry-standard security measures:

According to your needs, disclose the personal information you specify in the disclosure method you have explicitly agreed to;

When your personal information must be provided according to the requirements of laws and regulations, mandatory administrative law enforcement or judicial requirements, we may publicly disclose your personal information according to the requirements.

3. Security Measures

3.1. Our Technology and Measures to Protect Your Personal Information

We attach great importance to personal information security, and take all reasonable and feasible measures to protect your personal information:

We will adopt industry-standard security protection measures and industry-wide security technologies to prevent your personal information from being accessed and modified without authorization, and to avoid disclosure, damage or loss of your personal information:

We manage and standardize the storage and use of personal information by establishing data classification and grading, data security management specifications, and security development specifications.

3.2. Handling of Security Incidents

In order to deal with possible risks such as personal information leakage, damage and loss, we have formulated a number of systems to clarify the classification and grading standards of security incidents and security vulnerabilities and the corresponding processing procedures.

Once a personal information security incident occurs, we will, in accordance with the requirements of laws and regulations, promptly inform you of the basic situation and possible impact of the security incident, the disposal measures we have taken or will take, and suggestions for you to prevent and reduce risks independently. At the same time, we will promptly inform you of the relevant circumstances of the incident by email, letter, phone call, push notification, etc. When it is difficult to inform the personal information subject one by one, we will take a reasonable and effective way to issue an announcement. At the same time, we will also actively report the handling of personal information security incidents in accordance with the requirements of the regulatory authorities.