Kuber Lend Privacy Policy

Effective Date:January 12, 2025

Welcome to Kuber Lend. We are committed to protecting your privacy. We will collect, use and share your personal information in accordance with this Privacy Policy. Please read this Privacy Policy carefully before using Kuber Lend to understand how we handle your information.

We need your consent to authorize our permissions

• Camera permissions: You need to authorize the camera permission, so that we can use your camera for you to take pictures.
• Location permissions: You need to grant us location permission to obtain your approximate location information.You can turn off location services in the device settings at any time.

Information Collection

In order to provide you with loan services, we may collect the following types of information:

• Device Information: We collect your device information, including installed applications, device name, device model, device version, language, hardware and software information, and unique identifiers. It is only used to identify your device and ensure that it is not used without your authorization, to prevent fraud and user loan abuse. We upload the collected data to https://stapi.shrikuberlendingcorp.com and we will never share this data with third parties.
• Location data: When you use our services, we may collect your approximate location information to provide personalized products or services, as well as for credit service security detection and anti-fraud purposes. We upload the collected information to https://stapi.shrikuberlendingcorp.com and will never share it with third parties.
• Image data:We will collect the pictures you take during the loan application process. When we need to verify your identity, you will need to take an ID card and facial recognition image to ensure that your account is operated by you. We only use the camera with your consent. We upload the collected data to https://stapi.shrikuberlendingcorp.com and will never share it with third parties.
• Account Information: including your name, phone number, email address, identification documents and bank account information.
• Loan Application Information: such as loan amount, loan term, financial status, credit score, etc.
• Transaction information: including transaction records such as loan application, issuance, and repayment.

Information use

We use your personal information for the following purposes:

• Loan application processing: Helping you apply for, review and approve loans.
• Account management: Used to create, manage and maintain your account.
• Notifications and updates: Sending you loan-related notifications, bill reminders, repayment updates, etc.
• Service improvement and analysis: Analyzing usage behavior to optimize our services and user experience.
• Security: Detecting and preventing fraud and ensuring the safety of the app and your account.

Information Sharing

We will not sell your personal information to any third party. However, your information may be shared in the following circumstances:

• Sharing with lender partners: In order to process loan applications and issue loans, we may share necessary personal information with partner financial institutions.
• Legal Requirement: We may provide your personal information if required by law or requested by a government agency.
• Business Transfers: We may transfer your information as part of our business in the event of a sale, merger, or reorganization.

Data Protection and Security

We take reasonable technical and administrative measures to protect your personal information from unauthorized access, use or disclosure. Including but not limited to:

• Use encryption technology to protect data transmission;
• Regularly review security measures and perform vulnerability repairs.

Your Rights

Under applicable privacy regulations, you have the right to:

• Access and Correction: You have the right to access your personal information collected by us and request correction of inaccurate information.
• Erasure or restriction of processing: You can request to delete or restrict our processing of your personal information.
• Withdrawal of consent: You can withdraw your consent for us to use your personal information at any time, unless we have a legitimate reason to continue processing it.

Third-party services

Kuber Lend may contain links to third-party websites or services. These third-party services may collect your information and use their own privacy policies. We are not responsible for the privacy policies and practices of these third parties.

Data storage and processing

We will store your personal information on servers that meet data protection requirements. For cross-border data transfer, we will take appropriate protective measures to ensure that your information is adequately protected to the extent permitted by law.

Privacy Policy Updates

Kuber Lend may update this Privacy Policy from time to time. If we make significant changes, you will be notified within the app and the new Privacy Policy will take effect upon publication.

Contact Us

If you have any questions about this Privacy Policy or need more information, please contact us at:

• Email:[email protected]