BDinero

For this privacy policy, the user of the service can be a customer / consumer, or any other person who uses the service or accesses our platform..

If you do not agree to this policy or any part of it, please do not use or access any part of our platform.

1. Collect personally identifiable information

When you use our applications, we will explicitly request your permission to collect and store the information (personal information) you provide. Our primary goal is to provide you with a safe, efficient, seamless and personalized experience and service. This allows us to provide services and features that meet your needs and to customize our platform to make your experience safer and easier, and to improve the services we provide. Most importantly, we collect personal information from you that we believe is necessary to achieve the purposes listed above and to provide you with services based on this information.

Generally, you can browse websites or apps without telling us who you are and without revealing any personal information about yourself. However, to create an account on a website or application, you must provide us with certain basic information necessary for us to provide you with personalized services. The information we collect from you especially includes: a. Your full name; b. Home; c. PIN code; d. Family data; and. personal income; F. Phone number; g. Permanent account number; h. Gender i. marital status j. Family details k. Commercial information and other information shared through request forms or emails or other methods.

We will indicate the required and optional fields. Through opting out of specific services or features on the Platform, you can always opt out of providing your personal information. When you create a free account on our platform, we will collect other personally identifiable information from you. Although you can browse certain parts of the Platform without registering as described above, certain activities (such as obtaining loans from third-party lenders on the Platform) require registration and require you to provide the above details. The platform must clearly display the personal information it collects from you, and you may choose not to provide such personal information. However, this will limit the services provided to you on the Platform. This move is not only to prevent fraudulent users from causing losses to our platform, but also to allow us to score your credit, in order to confirm analysis and servicing of your loan.

2. Collect contact information

As part of our loan process, we ask loan applicants to provide references. In this sense, during the submission of the form in our application, we collect your contact information to detect close contacts, which allows you to automatically fill in the data during the loan application process.

In addition, we collect contact information from your device for risk analysis by detecting reliable reference information. The more credible the reference, the lower the risk associated with the user.

3.SMS

We only monitor financial SMS (4-digit financial SMS), including the sender, description and date sent in the user's inbox, which helps us identify the various accounts the user owns and the flow patterns of cash held by the user to help us determine the risk profile of the user and provide an appropriate credit analysis for the user. In addition, we collect and process telephone data such as SMS logs for risk analysis and to assess a user's eligibility to use our products or services (including, but not limited to, assessing a user's creditworthiness, determining whether the user can pay for the products or services requested by the user and / or the determination of whether the user is eligible for additional benefits of the available products); to provide loan services to users (including, but not limited to, processing your transactions and processing user loan payments and collecting user loan repayments); verify the identity of users and/or other information users provide to us; detect, combat and prevent fraud, attempted fraud, money laundering and/or other illegal use of our services; analyze customer behavior; interact with credit reference or fraud prevention agencies; and provide customer service or support.

To contact you via text messages (SMS) (if applicable) in accordance with the purposes described in this Privacy Policy.

All SMS data will be encrypted and uploaded to our servers through the app, but we will filter and delete personal SMS data from our servers and never share this data with third parties.

4.Camera

Allows the app to obtain camera permissions to capture images/videos and thus speed up the loan application process.

5.Location

Allows the app to obtain location permissions in order to provide personalized offers.

6.Cellular

We will use the code (IMEl) of your cell phone, since with it we can ensure that other cell phones cannot replace you when requesting a loan, thus preventing fraud.

We will also look at the list of apps installed on your device, including app name, installation time, installed version, etc. It will be used to detect the presence of malware, traps and thus maintain the security of the mobile system environment. and loan service.

7. Purpose of the collection of information

app collects personal data to achieve the following purposes:

a. Comply with the contractual relationship derived from the service request and/or contract.

b. In accordance with the applicable regulations of the service subscribed with app, verify and confirm the identity of the holder and the veracity of the information provided (such as their own reference and joint recognition).

c. Manage, operate and monitor the services you request or contract with app.

d. Analyze the information provided by the owner to determine the level of risk, the ability to pay, the status of the transaction and the evaluation of the services provided in accordance with current laws and regulations.

e. Formally confirm the contractual relationship between app and the owner.

f. Include you in our database, directly or through third-party integration files.

g. Process your request electronically or by phone.

h. Create personal information as a user in the application to verify and investigate the reputation.

i. Yo. Consult and carry out a credit investigation with a credit information company that you think is appropriate.

j. Provide extensions or improvements to the services stipulated in the contract.

k. Notify about app updates.

l. Conduct business intelligence, conduct market research, understand your activities on our electronic media, monitor the quality of our electronic media, evaluate and improve our electronic media.

8. Use your information

We use the information you provide to establish and verify your identity in the following ways;

a. Monitor, improve and administer our website/platform;

b. To provide our services, that is, to carry out credit analyzes to facilitate the provision of loans to you.

c. Design and provide customized products and services provided by our third party financial partners;

d. Analyze the method of use of the website, diagnose technical or service problems and maintain security;

e. Send communication notifications, information about the products or services you request, or process your inquiries and applications on the website;

f. Manage our relationship with you and tell you about other products or services, we think you may find certain uses;

g. Perform data analysis to improve the services / products provided to users;

h. Use user information to comply with national laws and regulations;

i. Yo. Perform KYC for our third party lending partners based on information shared by users;

j. Use user information in other ways permitted by law to enable you to obtain financial services from our lending partners.

We will use and retain your information for the period necessary to provide you services on the website, comply with our legal obligations, resolve disputes, and implement our agreements.

9. Disclosure of your information

We will only share your information with our registered third parties (including our regulated financial partners) to provide services on the Website and/or provide loans/facilitation to users.

a. We may disclose and share your information with financial service providers, banks and our third party partners to promote loans or financing, lines of credit or use of products;

b. If we are required to do so to comply with any legal obligation or governmental and/or statutory agency order, or to implement or apply our information without notice, we may disclose your information without notice in the process of divesting, merging, or protecting the assets. rights, property or safety of us, our users or others, using the terms of use or distribution of such information. This includes exchanging information with other companies and organizations to prevent fraud and reduce credit risk.

c. We disclose information to our third-party credit and technology partners for credit checks and analysis, such as credit bureaus or providers of third-party data sources;

d. We will share your information with third parties in accordance with a confidentiality agreement and we will restrict the use of the information by third parties only for the purposes detailed here. We guarantee that we will not share the unauthorized disclosure of your information with third parties.

10. Confidentiality of user information

The application is designed to protect your personal information and maintain the accuracy confirmed by you. We implement reasonable physical, administrative, and technical safeguards to help us protect your personal information from unauthorized access, use, and disclosure. For example, when we transmit such sensitive information over the Internet, we encrypt it. We also require our registered third party service providers to protect such information from unauthorized access, use and disclosure.

Our platform has adopted strict security measures to protect the loss, misuse and alteration of controlled information. We strive to maintain and ensure the security of the information you provide to us. We use encryption based on Secure Sockets Layer (SSL) to transmit information, according to the law, this is the level of encryption that Mexico currently requires.

We integrate multi-step security within the product with the most advanced technology to ensure our system maintains strong security measures, and the overall privacy and data security design allows us to defend against low-level issues up to complex attacks.

11. The right to privacy of minors

This app is not suitable for those under the age of 18 or younger in your jurisdiction. We do not knowingly collect personally identifiable information from children under the age of 18. If you are underage, please uninstall this app immediately

12. Changes to this privacy policy

We may review and amend this privacy policy in our sole discretion from time to time to ensure that it is consistent with our future development and/or changes in laws or regulations. If we decide to change this privacy policy, we will notify you of such changes through general notices posted on the application and/or website, or through the email address you established in your account. You agree that it is your responsibility to regularly check this privacy policy for the latest information on our data protection and processing practices, and it is your responsibility to continue to use the application or after using the application or website, contact us or use the service website. Any modification of this privacy policy will constitute your acceptance of the modification.

13. Confirm and accept

Accepting the privacy policy means that you confirm that you have read and understood this privacy policy and accept all its terms. In particular, you support and agree to our collection, use, disclosure, storage, protection and sharing.

14.Your privacy controls

You have the rights to:

1. Access your personal data held by the Platform;

2. Revoke the consent for the processing of your personal data, review and / or delete the personal data in possession of the Platform unless the conservation of said data is required by laws and regulations, without retroactive effects, in all those cases in which said revocation, review and deletion do not imply the impossibility of complying with the obligation derived from a current legal relationship between you and the Platform or when it comes to unnecessary purposes.

The exercise of the aforementioned rights must be made in writing by email to the following email address: service@facilcreditos.net Once the request has been submitted in the aforementioned terms, the Platform will issue the determination adopted