Privacy Policy
About us:
Cash Baka Pro's policy owner is MICRODOT LENDING CORPORATION (SEC Registration Number: CS201951287 & Certificate of Authority Number: 2921), respects and protects the privacy of its users.
BY CLOUDS CALL CENTER INC. and MICRODOT LENDING CORPORATION are in a cooperative relationship and have common patent and trademark rights and technology research and development and promotion rights. Both parties have signed an authorization cooperation agreement through a lawyer.
BY CLOUDS CALL CENTER INC.(“our”, “us”, “we”, “Company”) loans to users through Cash Baka (“app”, “platform”, “Cash Baka”).
Before users use our services, we recommend that you read the specific content of this privacy policy carefully to help you understand what information we will collect and how the information will be used. Cash Baka will collect, store, share, use and protect your personal information in accordance with this Privacy Policy.
We may amend and update this Privacy Policy from time to time, without any prior written notice to you.
By accessing or using our products/services, it means that you accept what is described in this Privacy Policy and agreed to abide by this Privacy Policy.
Information Collection
When you visit our platform and use our services, in order to improve the quality of our services, we will collect your personal information in the following scope. We take the privacy of our users very seriously, and we can only collect your personal information only with your explicit consent. If you are unwilling to submit your personal information to us , we can not be able to provide our services to you.
A. Basic Information provided by users while users are registering an account
Basic Information provided by users including phone number, first name, last name, gender, date of birth, email address, complete address, education level, marital status, profession, monthly income, payroll period, payroll date, bank account/Gcash/Paymaya information and other information that may be required.
We are committed to encrypting the information and ensuring the security of the information, so this information will be encrypted and uploaded to https://www.cashbaka.top/web/
B. Information Collected by us while users are using the app
(1)SMS Information
We need SMS authorization to complete credit risk scoring. We only collect SMS messages related to financial transactions and related activities, which helps us identify users' various financial transactions, determine users' risk profiles, and provide users with appropriate credit analysis.
We are committed to encrypting information and will upload it to https://www.cashbaka.top/web/ in an encrypted manner. This data will never be shared with third parties.
(2)Image Information
We will collect photos taken by users during the loan application process and photos actively selected and uploaded by customers for KYC verification and anti-fraud inspection purposes only. We will not access, retrieve and collect any other photos from your device's gallery.
We are committed to encrypting the information and ensuring the security of the information, so this information will be encrypted and uploaded to https://www.cashbaka.top/web/
(3) Camera Information
We need permission from the camera information to take documents and pictures for loan applications needed and perform face recognition to authenticate your identity and ensure that your account is operated by yourself.
We are committed to encrypting the information and ensuring the security of the information, so this information will be encrypted and uploaded to https://www.cashbaka.top/web/
(4) APPUse Information
We need permission from appuse information to prevent fraud.
We are committed to encrypting the information and ensuring the security of the information, so this information will be encrypted and uploaded to https://www.cashbaka.top/web/
(5) Approximate Location Information
We collect approximate location information in the background to do risk assessment for credit scoring.
We are committed to encrypting the information and ensuring the security of the information, so this information will be encrypted and uploaded to https://www.cashbaka.top/web/
(6) Installed Application Information
We collect installed application information in the background to detect fraud and make sure the security of your money.
We are committed to encrypting the information and ensuring the security of the information, so this information will be encrypted and uploaded to https://www.cashbaka.top/web/
(7) Collection of Device Information
We collect device information in the background to help us determine whether your usage environment is your own device, and prevent fraudsters from stealing your account and login unreliable devices.
We are committed to encrypting the information and ensuring the security of the information, so this information will be encrypted and uploaded to https://www.cashbaka.top/web/
(8)Call log
When using the voice verification code feature to register or log in to your account, we need to obtain access to your call records (such as call duration, phone numbers, and call status). This is to verify whether the SIM card used by the holder can effectively receive the corresponding verification code and to confirm the consistency between the SIM card and the device, thereby reducing the risk of account theft and fraud. All collected data will be stored on our servers https://www.cashbaka.top/web/, except as specified herein, will not be shared with any other
Purpose of Collecting Information
a. To verify your identity;
b. To contact the User;
c. To assess your eligibility to use our products and services;
d. To detect and prevent fraud, money laundering and/or other illegal uses of our services;
e. For data analysis, identifying usage trends, and evaluating and improving our services, products and your experience.
Use of Information
a. To provide and maintain our Services, including monitoring the use of our Services;
b. To monitor, detect, analyze and prevent actual or suspected crimes, fraud, and business risks;
c. To develop, enhance and maintain risk control assessment processes and models;
d. To measure consumer interest and satisfaction with our products and services;
e. Disclose your data in order to meet legal and regulatory requirements.
Disclosure and Sharing of personal Information
When you use our services, it shall be deemed as your consent to Cash Baka’s regarding the collection, storage, use and disclosure of your personal information by Cash Baka.
Cash Baka will never display, rent, or sell your personally identifiable information to others.
The following circumstances are excluded:
a. When your desired products and services can only be provided if your personal information is disclosed;
b. When we are required to provide information to the companies that provide products or services on our behalf; (unless we notify you otherwise, these companies do not have the right to use your personally identifiable information);
c. When we are required to comply with a court summons, court order or to comply with a legal process.
Cash Baka is not responsible for any collection, disclosure and/or use of your personal information provided by you to any third party's website which may.
Security of Personal Information
We value personal information collected, used, retained and stored through the Platform.
To protect personal information from unauthorized access, use or disclosure, We transmit personal information to https://www.cashbaka.top/web/ using encryption methods such as base64 and displacement, and store it encrypted on servers located in the Philippines.
In order to ensure the security of information and protect it from any form of fraud, we strive to maintain and restrict access to personal information through the latest technological means, physical forms and other measures, so that your personal information will not be damaged or lost.
Retention of Personal Information
We retain Personal Information including Basic Information, APPUse Information, Camera Information, Image Information, Approximate Location Information, Installed Application Information, Device Information, Read Phone State Information, Answer Phone Calls Information, Read Call Log Information and SMS Information.
We retain the user’s Personal Information for the following purposes:
a. Information is still necessary for our services and for a reasonable time after completion of services.
b. Information is required in order to comply with any legal and regulatory obligations.
c. Disposal of Personal Information that is no longer necessary for our services will be performed securely and in accordance with all applicable laws and regulations.
Deletion of Personal Information
If you want to stop using our service and delete your personal information, it can be done in the following three ways:
a. You can delete your personal information directly on the app by following the steps below.
(1) Login to your account through entering OTP.
(2) Enter the account page, click to enter the "Delete individual data" area.
(3) Select and click the delete button, and then click the confirmation button that pops up to delete personal information.
b. You can ask us to delete your personal information.
Please send us a request email to delete personal information at Cashbakaservice@outlook.com, we will complete your request within five days.
c. You can wait for us to automatically delete your personal information.
When you stop using our services for more than 12 months, we will automatically delete your personal information.
If you still have outstanding bills, you will not be allowed to delete your personal information.
Only when all your bills have been settled can you successfully delete your personal information through the above three ways.
Minors
Minors shall not use our products/service for any purpose. Cash Baka does not knowingly collect Personal Information from Minors for any purpose. If you believe that Cash Baka has Personal Information of a Minor without parental/guardian consent, please contact Cash Baka and Cash Baka will delete such information.
Links To Other Websites
Our platform may contain links to other websites of interest. However, once you have used these links to leave our platform, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
Contact Us
For any questions, please contact us at the following email address:
Cashbakaservice@outlook.com
We will transfer user data to the following address: https://www.cashbaka.top/web/