Get the Money
Get the Money

Privacy Policy

Welcome to ManguYo! We value your privacy and are committed to protecting your personal information. This privacy policy details how we collect, use, store, and protect your information.

1. Information We Collect

When you use ManguYo services, we may collect the following information:

  • Device Information: Including device brand, model, regional settings, device identifiers (such as IMEI), and serial number. This information helps us identify your device and ensure our services are compatible and optimized across various devices.

  • Installed Applications Information: We obtain information about the applications installed on your device to assess your borrowing tendencies and overall debt situation. This data helps us better understand your credit risk and provide you with tailored loan services.

  • Contact Information: Your phone number and other contact details. This allows us to communicate with you and provide important account updates and notifications.

  • Other Information: To support our credit scoring system, we may obtain data from third parties (such as credit bureaus and other financial institutions). This includes your credit history, current debts, and credit score.

2. How We Use Your Data

All information we collect is used solely for the following purposes:

  • Identity Verification: To ensure your identity and prevent unauthorized activities. By verifying your identity, we can ensure that only you can access your account and personal information.

  • Credit Scoring Model: To establish a credit scoring model and determine suitable loan options for you. We use your data to analyze and assess your credit risk, thereby providing you with the best loan products.

  • Credit Reports: To collect and generate credit reports, providing you with more accurate and tailored loan services. Our credit reporting system integrates data from various sources to ensure comprehensive and precise credit evaluations.

  • Service Improvement: To improve our products and services based on your feedback and usage. We analyze your behavior and feedback to continuously optimize our user experience and functionality.

3. Data Storage

All collected information will be uploaded and transmitted through servers protected by high-level security (https://efficiency.manguyo.com/delivery/) and will never be shared with any third party. Our servers use advanced encryption technologies to ensure your data is protected during transmission and storage.

4. Data Protection

We are committed to ensuring your data is strictly protected. All data processing and storage comply with the highest security standards to ensure your privacy is well-protected. We take all reasonable measures to prevent unauthorized access, disclosure, alteration, or destruction of your data.

  • Encryption Technologies: We use SSL/TLS protocols to encrypt data, ensuring it cannot be intercepted or tampered with during transmission.

  • Access Control: Only authorized employees can access your data, and they must adhere to strict confidentiality agreements.

  • Regular Audits: We conduct regular security audits and assessments to ensure our security measures are always up-to-date.

5. Your Rights

You have the right to access, correct, or delete your personal information held by us. If you wish to exercise these rights, please contact us at:

Additionally, you have the right to request that we restrict processing of your personal information or object to our processing of your personal information. If you believe we have not complied with relevant privacy laws, you can lodge a complaint with the relevant data protection authority.

6. Changes to the Policy

This privacy policy may be updated from time to time. We will post any changes to the privacy policy on our website and notify you before the changes take effect. We recommend you review this privacy policy periodically to understand how we protect your information.

7. Contact Us

If you have any questions or concerns about this privacy policy or how we handle your information, please contact us at:

8. Minors' Privacy

ManguYo's services are not intended for minors under the age of 18. We do not knowingly collect personal information from minors. If we discover that we have inadvertently collected personal information from a minor, we will take steps to delete such information promptly.

9. International Data Transfers

Since ManguYo's services are global, your data may be transferred to servers outside your country or region. Regardless of where your data is stored, we will ensure its security and take appropriate protective measures in compliance with relevant data protection laws.

10. Consent

By using ManguYo's services, you consent to our collection, use, storage, and protection of your personal information in accordance with this privacy policy. If you do not agree with any part of this privacy policy, please do not use our services.

Thank you for choosing ManguYo. We are committed to protecting your privacy and providing you with excellent service.

Contacts

service@manguyo.com