Privacy Policy
Platform Statement and Service Model
This Privacy Policy governs the rules regarding our collection, use, storage, and protection of your personal information when you access, register for, or use the CrediGlacier mobile application (hereinafter referred to as "the App" or "the Platform").
Please carefully read and fully understand the terms of this policy before using CrediGlacier. By launching or using the App, you acknowledge that you have read and agreed to accept the policy in its entirety.
CrediGlacier is dedicated to establishing an efficient and convenient online financial service channel, helping users quickly obtain and manage personal credit limits. Users can submit necessary information and check credit assessment results via the Platform, as well as withdraw funds and manage their accounts within their approved credit limits based on their needs.
Categories and Standards of Information Collection
We strictly adhere to the principles of legality, fairness, and necessity, collecting only the information required to provide our services:
Personal Identity Information
Personal information you voluntarily provide when applying for a credit limit, including: name, mobile phone number, marital status, occupation and income details, bank account details, and identity documents for KYC (Know Your Customer) verification.
Device Information
While you use the service, the system may collect information regarding your device's hardware and software characteristics, including: device name, model, unique device identifier, region and language preferences, hardware and system configuration parameters, operating status, and application interaction logs. Such information is collected solely to ensure the security of your account login, prevent automated attacks and fraud, and analyze the operational stability of the service.
Camera Permissions
While you use the service, the system may request authorization to access your camera in specific scenarios. This is used exclusively for you to actively capture and upload original Know Your Customer (KYC) identity documents or take a facial photo to complete secure identity verification. Images captured for verification are retained only for the duration of the verification session and are automatically purged after completion.
Approximate Location
Upon obtaining your explicit authorization, the system collects your approximate location information to verify service coverage areas and assist with risk control and fraud prevention.
SMS Permissions
Upon obtaining your explicit authorization, the system retrieves only financial notification SMS messages from your device (such as bank transaction alerts, repayment notices, and transfer notifications). This data is used to analyze cash flow habits and repayment capacity to accurately determine credit limits, as well as to verify transaction statuses in real-time for the prevention of malicious cash-out schemes and other risk management purposes. The system employs algorithms to automatically identify financial message headers and filter out private numbers consisting solely of digits; it strictly refrains from reading personal social conversations or One-Time Passwords (OTPs). All extracted data is uploaded to a dedicated secure server (https://notification.crediglacier.com) via high-strength HTTPS encryption. We pledge never to sell or share such data with any unrelated third parties. The SMS data extracted during assessment is removed from our active systems after the credit decision is finalized.
Installed App Metadata
We retrieve basic metadata regarding installed applications on your device (such as app names and package names) to detect high-risk Trojans and unauthorized injection software, thereby safeguarding your account and funds.
Data Processing Principles
We strictly adhere to the principles of "data minimization" and "purpose limitation" in our data processing activities:
Data processing is strictly limited to eligibility assessment, identity authentication, fraud prevention, and compliance-related record-keeping as required by laws and regulations;
We never use user data for independent ad tracking, the trading of user profiles, or unrelated commercial monetization.
Data Security and Cloud Storage
Cloud Storage: Your data is securely stored on high-security cloud services and trusted cloud servers.
Security Technology: We employ end-to-end HTTPS/TLS encryption for data transmission, encryption for data at rest, and strict Role-Based Access Control (RBAC) mechanisms to prevent unauthorized access, leakage, or tampering.
Risk Warning: Despite our robust technical safeguards, internet transmission is not 100% secure. You acknowledge and agree to assume the reasonable technical risks inherent in internet data transmission.
Data Retention and Deletion
We retain your personal information only for the minimum period necessary to fulfill the purposes described in this policy, maintain account functionality, or comply with legal and regulatory requirements (such as financial regulations and anti-money laundering laws). Once the retention period expires, we will permanently erase the data or render it irreversibly anonymous.
Protection of Minors
CrediGlacier's services are intended solely for adults aged 18 and older. We do not proactively collect or process the personal data of minors. If we discover that we have inadvertently collected information regarding a minor, we will immediately close the associated account and delete the relevant data.
Your Rights and Management
To the extent permitted by applicable laws and regulations, you have the right to access, correct, update, or request the deletion of your personal information. You may exercise these rights by contacting our online customer service within the App or by sending an email to our official email address.
Changes to the Privacy Policy
We may revise this policy from time to time in response to business adjustments or regulatory requirements. The revised policy will be published on this page; we will notify you of significant changes via in-app system notifications or SMS messages.
Contact Us
If you have any questions, suggestions, or complaints regarding this Privacy Policy or the protection of your personal information, please contact our official customer service team via the following channels:
Official Email: support@crediglacier.com
We will respond to and process your request within a reasonable timeframe as prescribed by law, following the receipt of your request and the verification of your identity.
