We and our affiliated companies (hereinafter referred to as "we") attach great importance to the protection of users' personal information and privacy rights, so we have developed a policy covering how to collect, store, use, share and protect user information and the information we provide to you. Privacy Policy on how to access, update, delete and protect this information. We hope to clearly introduce to you how we process your personal information and other information through this privacy protection statement (hereinafter referred to as "this privacy policy").
This privacy policy is closely related to your use of our products and/or services, please read and understand this privacy policy completely and thoroughly before using our products and/or services, especially the underlined content) and make sure to understand our processing rules for your personal information (as defined below) and other information, and make choices you deem appropriate accordingly. If you do not agree to any content of this Privacy Policy, it means that you have chosen to give up using our products and/or services, and please stop using our products and/or services immediately. When you use any of our products and/or services, you agree and fully understand the entire content of this Privacy Policy.
Introduction
1. How we collect and use your personal information and other information
2. How do we use cookies and similar technologies
3. Circumstances of legal sharing, transfer and public disclosure of your personal information
4. How do we securely protect and save the information you provide
5. How do you access and control the information you provide
6. Protection of information of minors
Seven, notice and revision
VIII. Applicable Law and Dispute Resolution
9. How to contact us
Special Tips
1. Thank you for your use and trust in our products and/or services, and we will continue to strive to provide you with safer and more reliable products and/or services.
2. This privacy policy applies to all products and services on our platform (including all our products or services and products or services of our affiliates that do not have an independent privacy policy), but some specific products and services A specific privacy policy will also apply to and/or the Services.
3. The privacy policy of the specific product and/or service mentioned above constitutes a part of this privacy policy. If there is any inconsistency with this privacy policy, the privacy policy of the specific product and/or service shall prevail.
4. Unless otherwise specified in this Privacy Policy, this Privacy Policy does not apply to products and/or services that are independently provided to you by a third party through our products and/or services, such as Products or websites displayed to you in search results, websites that may contain third-party services, or other websites linked to from our services. Please note that if you provide your personal information and other information to a third party when using its products and/or services, your information shall be governed by the third party's privacy statement or similar policy, and we will prevent any third party from improperly using or disclosing it. Information provided by you does not assume any legal responsibility.
[Personal Information] Personal information refers to various information recorded electronically or in other ways that can identify a specific natural person or reflect the activities of a specific natural person either alone or in combination with other information.
We will only collect and use your personal information and other information for the following legitimate purposes:
(1) Situations where you authorize us to collect and use your personal information and other information
Therefore, in order to provide you with better and more personalized products and services, you agree that we collect the following information:
1. Information that may be collected during your use of products or services.
We may collect information about your use of products and/or services (including usage methods), such information includes:
(1) [Device Information]. In order to provide better products and/or services and improve user experience, we may collect device attribute information (such as your hardware model, operating system version, device configuration, unique device identifier, International Mobile Equipment Identity IMEI, network device Hardware address MAC, advertising identifier IDFA, etc.), device location information (such as location information obtained through GPS or WIFI signals), device connection information (browser type, telecom operator, language used), and device status information (such as device sensor data, list of device app installations). We may associate the information collected from your various devices so that we can provide you with consistent services on these devices. We may associate your device information or phone number with your account to maintain consistent follow-up services.
(2) [Log information]. When you use our products and/or services, our server may automatically record some information, such as your usage of our products and/or services, IP address, the URL of the service you visit, and the type of browser and the language used, information about downloading, installing or using mobile applications and software, and the date, time, duration of access to the service, the referenced website Uniform Resource Addresser (URL), etc. Please note that the above information does not include any personal information and other information about you, nor does it include content that you may send or share by using relevant applications, services or websites.
(3) [Location Information]. When you turn on the device positioning function and use our location-based related product services or third-party business services, we may collect and process information about your actual location at that time, so that you can use it without manually entering your geographic coordinates. Get timely push services for related products or discounts. We use various technologies for positioning, including IP address positioning, GPS positioning, and other sensors that can provide relevant information (for example, it may provide information about nearby devices, Wi-Fi access points and base stations). You can stop the collection of your geographical location information by turning off the positioning function, but you may not be able to obtain related services or functions, or may not be able to achieve the intended effect of related services.
The above data information is anonymous. At the same time, we will also encrypt the information to ensure the security of the information.
2. Functions necessary to improve our products and/or services
You understand and agree that when you use our products and/or services, we may collect your browsing information, your hobbies, etc. for data analysis to form a user portrait, which is used to identify the products you are interested in or service information to show you. We may obtain other information about you for the reasonable needs of providing services and improving service quality, including relevant information you provide when you contact customer service, questionnaire responses you send to us when you participate in questionnaire surveys or need creative advertising needs, etc. , and relevant information we obtain when you interact with our affiliates and our partners. For the information collected from your various devices, we may associate them so that we can provide you with consistent services on these devices, such as helping you use the account you created to quickly log in to the associated party or The service platform of the partner or authorized by you to use accounts such as Weibo or WeChat to quickly log in with one key, etc. We may combine information from one service with information from other services, possibly through the use of cookies, pixel tags and similar technologies that create and maintain unique identifiers, in order to provide you with more accurate push services, personalized Content and Recommendations.
3. Information you may need to provide us when using specific products and services
(1) When you register and log in to our account, you must provide your account name and mobile phone number.
(2) If you use the sharing services provided on our platform or make reservations for related information or activities, we will use your WeChat or QQ one-click related services.
(3) When using the consumer finance installment loan service, your mobile phone number, common address, and ID card information may be required to ensure that you can enjoy the consumer finance installment loan service in a timely manner. If you decide not to provide such information, it will not affect your use of our products and/or services.
Please note that if you do not choose to use certain products and services, you do not need to provide relevant information.
4. Functions necessary to ensure service and security
(2) You can choose whether to authorize us to collect and use your personal information and other information
1. In order to make your use of our products and/or services more convenient or better, so as to improve your experience, we may collect and use your personal information and other information in the following additional functions. If you do not provide these personal information and other information, you can still use our products and/or services, but you may not be able to use these additional functions that can bring you a better experience or require Repeat to fill in some information. These additional features include:
(1) Personalized recommendation function based on location information: We will collect your real-time location information (we only collect your geographic location at that time, but we will not combine your location information at different time periods to judge your track) to determine where you are, and automatically recommend products or services that can be purchased in your area.
(2) Additional functions based on the camera (camera): You can use this additional function to complete the functions of taking pictures and scanning codes.
(3) Additional functions based on image upload: You can upload your photo as your avatar.
2. The above additional functions may require you to enable us to access your geographic location (location information), camera (camera), photo album (picture library) and microphone in your device to realize the functions involved collection and use of information. You can also decide to turn these permissions on or off at any time. Please note that if you enable these permissions, you authorize us to collect and use these personal information and other information to achieve the above functions. If you close the permissions, you cancel these authorizations, and we will no longer continue to collect and use your personal information. These personal information and other information cannot provide you with the above-mentioned functions corresponding to these authorizations. Your decision to close the permission will not affect the previous processing of personal information and other information based on your authorization.
(3) You are fully aware that in the following circumstances, we do not need to obtain your authorization and consent for the collection and use of personal information and other information:
1. Related to national security and national defense security;
2. Related to public safety, public health, and major public interests;
3. Related to criminal investigation, prosecution, trial and execution of judgments;
4. It is difficult to obtain the consent of the person for the purpose of safeguarding the major legal rights and interests of personal information and other information subjects or other individuals' life and property;
5. The collected personal information and other information are disclosed to the public by the personal information and other information subjects themselves;
6. Your personal information and other information collected from legally disclosed information, such as legal news reports, government information disclosure and other channels;
7. It is necessary to sign a contract according to your requirements;
8. Necessary for maintaining the safe and stable operation of the provided products and/or services, such as discovering and handling product and/or service failures;
9. Necessary for legitimate news reporting (if applicable, but only for the purpose of achieving public interest);
10. It is necessary for academic research institutions to carry out statistical or academic research based on public interest (if applicable, but only for the purpose of achieving public interest), and when providing academic research or description results to the outside world, the individuals included in the results Information and other information are de-identified;
11. Other circumstances stipulated by laws and regulations.
(4) Circumstances in which we obtain your personal information and other information from third parties
[Third-party information] In order to jointly provide you with products/services or improve the quality and personalization of product services, or out of consideration for the safety of products and services and other reasonable needs, we will follow laws and regulations or based on Your authorization to receive your personal information and other information from affiliated companies, alliance members, partners and other trusted third-party suppliers, service providers and agents, and you understand and agree that we do not need to Legal responsibility for the collection and provision of data.
(5) Rules for the use of your personal information and other information
1. We will legally use the collected personal information and other information in accordance with the legal provisions and the agreement of this Privacy Policy and to realize the functions of our products and/or services.
2. After collecting your personal information and other information, we will use technical means to de-identify the data in accordance with the law, and the de-identified information will not be able to identify the user subject. Please understand and agree that in this case we have the right to use de-identified information; and on the premise of not disclosing your personal information and other information, we have the right to analyze the user database and make commercial use of it.
3. [Use authorization] Please note that all personal information and other information you provide when using our products and/or services, unless you delete or reject our collection through system settings, will be used by you We are authorized to use our products and/or services continuously during the period.
4. We will collect statistics on the use of our products and/or services, and may communicate with the public or third parties (including but not limited to, communication service providers who send emails or push notifications on our behalf, Map service providers that provide location data, and financial service providers, etc.) share these statistical information to show the overall usage trend of our products and/or services, or to maintain and improve our services, but these statistical information are Desensitized information does not contain any identifying information about you.
5. We will only share your personal information and other information based on legitimate purposes. At the same time, we will desensitize your information by means of content replacement and anonymous processing to protect the security of your personal information and other information .
(1) Use of Cookies
1. In order to realize your personalized needs for online experience, and enable you to obtain an easier access experience. We will send one or more small data files named Cookies on your computer or mobile device. The Cookies assigned to you are unique and can only be read by the web server in the domain that issued the Cookies to you. We send you Cookies to simplify your repeated login steps, store data such as your shopping preferences or items in your shopping cart, and then provide you with shopping preferences, help you optimize your selection and interaction with advertisements, and help judge you login status and account or data security.
2. We will not use Cookies for any purpose other than those stated in this Privacy Policy. You can manage or delete Cookies according to your own preferences. You can clear all the Cookies saved in the computer or mobile phone, and most web browsers will automatically accept Cookies, but you can generally modify the browser settings according to your own needs to reject Cookies; in addition, you can also clear the Cookies saved in the software All Cookies. However, if you do so, you might be required to alter user settings in person upon each visit to our website, and all the corresponding information recorded previously will be deleted, which might produce certain impact on the security of services you are using.
(2) Use of network Beacon and similar technologies
In addition to Cookie, we will also use other similar technologies such as Web Beacon on the website. Our web pages often contain electronic images (called "single-pixel" GIF files or "web beacons"). The ways we use network beacons are:
1. Calculate the number of user visits by using network beacons on our website, and identify registered users by accessing cookies.
2. Provide you with personalized services through the obtained cookies information.
(1) Sharing
1. business sharing
We promise to keep your information confidential, we will only share your information with us, our affiliates and third parties. Third parties include financial institutions we cooperate with and other partners. Before providing the information to a third party, we will use commercially reasonable efforts to evaluate the purpose and legitimacy of the third party's mobile phone information. We will sign relevant legal documents with the third party and require the third party to take protective measures for your information and use your personal information within the scope of legal compliance. In addition, we will not share your personal information with any company, organization or individual other than the above, except in the following cases:
(1) Obtain your consent or authorization in advance;
(2) Provide in accordance with applicable laws and regulations, requirements of legal procedures, mandatory administrative or judicial requirements;
(3) To the extent permitted by laws and regulations, it is necessary to protect us, our affiliates or partners, you or other users or the public interests, property or safety from damage;
(4) Only by sharing your information can we provide you with the services you need;
(5) Handle your disputes or disputes with others according to your needs;
(6) Provided in accordance with the relevant agreements signed with you (including electronic agreements signed online and corresponding platform rules) or other legal documents;
(7) Use based on academic research (if applicable, but only for the purpose of achieving public interest);
(8) Use based on social and public interests that comply with laws and regulations.
2. We may share your personal information with our affiliates. However, we will only share necessary personal information and be bound by the purposes stated in this Privacy Policy. If our affiliates want to change the purpose of processing personal information, they will ask for your authorization again.
3. Complaint handling
When you complain about others or are complained by others, in order to protect the legitimate rights and interests of you and others, and maintain a green network environment, we may provide your name, valid ID number, contact information, complaint content, etc. to the consumer rights department and regulatory authorities in order to resolve complaints and disputes in a timely manner, except where the provision is expressly prohibited by law.
(2) Transfer
We will not transfer your personal information to any company, organization or individual, except in the following cases:
1. Obtain your consent or authorization in advance;
2. Provide according to applicable laws and regulations, requirements of legal procedures, mandatory administrative or judicial requirements;
3. Provided in accordance with the relevant agreements signed with you (including electronic agreements signed online and corresponding platform rules) or other legal documents;
4. When it comes to mergers, acquisitions, asset transfers or similar transactions, if personal information transfer is involved, we will require new companies and organizations that hold your personal information to continue to be bound by this privacy policy, otherwise, We will require the company or organization to seek authorization from you again.
(3) Public disclosure
We will only publicly disclose your personal information under the following circumstances and under the premise of adopting industry-standard security measures:
1. According to your needs, disclose the personal information you specify in the disclosure method you have explicitly agreed to;
2. When your personal information must be provided according to the requirements of laws, regulations, mandatory administrative law enforcement or judicial requirements, we may publicly disclose your personal information according to the required personal information type and disclosure method. Under the premise of complying with laws and regulations, when we receive the above request for information disclosure, we will require to issue corresponding legal documents, such as subpoenas or investigation letters. We firmly believe that we should be as transparent as the law allows about the information we are asked to provide. All requests are carefully vetted to ensure they have a lawful basis and are limited to data that law enforcement has a legal right to obtain for specific investigative purposes. Under the premise permitted by laws and regulations, the documents we disclose are all under the protection of encryption keys.
(4) Statement on Third Party Responsibility
[Third-party services] Please note that the counterparty to your transaction, the operator of the third-party website you visit, and the third-party accessed through us (such as the third-party that provides services in our products and/or services) may have their own privacy protection policies; when you view web pages created by third parties or use applications developed by third parties, those third parties may place their own cookies or pixel tags, which are not under our control , and their use is not governed by this policy. We will use commercially reasonable efforts to require these subjects to take protective measures for your personal information, but we cannot guarantee that these subjects will take protective measures in accordance with our requirements, please contact them directly to obtain information about their privacy rights Details of the policy. If you find that the webpages created by these third parties or the applications developed by third parties are risky, you are advised to terminate the relevant operations to protect your legitimate rights and interests. We recommend that you carefully review the privacy statements of such third-party websites or service providers to understand how they process your personal information for prudent decision-making.
(1) Our technologies and measures to protect your personal information
The personal information we collect and generate within the territory of the People's Republic of China is stored within the territory of the People's Republic of China. At the same time, we attach great importance to personal information security and take all reasonable and feasible measures to protect your personal information:
1. [Technical measures for data security] We promise that we will make information security protection reach a reasonable level of security. In order to protect your information security, we are committed to using various security technologies and supporting management systems to prevent your information from being leaked, damaged or lost, including establishing reasonable systems and security technologies to prevent unauthorized access to your personal information. Authorized access to use, modification, to avoid damage or loss of data.
Our network services adopt encryption technologies such as transport layer security protocols, and provide security services through https and other methods to ensure the security of data during transmission.
We adopt a variety of encryption technologies to encrypt and store users' personal information, and isolate the storage media or information systems containing users' personal information through logical or physical isolation.
When using personal information, such as personal information display and personal information association calculation, we will use a variety of data desensitization techniques to desensitize sensitive fields to enhance the security of personal information in use.
2. [Other security measures we take to protect personal information] We regulate the internal storage, use, and sharing of personal information by establishing information classification and grading systems, user information security management systems, and security development specifications, etc. safety behavior.
We implement comprehensive security control over data through information contact confidentiality agreements, monitoring and auditing mechanisms.
We monitor the staff's behavior of processing your information, continue to strengthen the promotion of staff training related laws and regulations, privacy and security guidelines and security awareness, and organize all staff to take security exams and organize security and privacy protection Training courses to strengthen employees' awareness of the importance of protecting personal information.
3. Please understand that due to technical limitations and possible malicious means, problems may occur due to factors beyond our control. After an unfortunate personal information security incident occurs, we will promptly inform you in accordance with the requirements of laws and regulations: the basic situation and possible impact of the security incident, the disposal measures we have taken or will take, and the measures that you can independently prevent and reduce risks. Suggestions, remedies for you, etc. We will promptly inform you of the relevant circumstances of the incident by email, letter, phone call or push notification. When it is difficult to inform the personal information subject one by one, we will issue an announcement in a reasonable and effective manner. At the same time, we will also actively report the handling of personal information security incidents in accordance with the requirements of the regulatory authorities.
4. If we stop operations, we will stop collecting your personal information in a timely manner, notify you of the notification of the stop of operations by delivery or announcement one by one, and destroy or anonymize the personal information we hold deal with.
1. You can log in to your account by clicking "My-Avatar-Personal Information-Account and Security-Cancel Account" to log out of your account, or you can give online feedback through "My-Feedback-Help and Feedback", etc. Check your identity information, account information, modify or delete your personal data, or make related privacy and security settings; however, for security and identification considerations or in accordance with the mandatory provisions of laws and regulations, you may not be able to modify The initial registration information provided. Please note: After you delete information from our service, we may not delete the corresponding information from the backup system immediately, but will delete the information when the backup is updated.
2. If you cannot access, correct or delete your personal information through the above methods, or you need to access, correct or delete other personal information generated when you use our products and/or services, you can contact us Customer service, our customer service will assist you.
3. If you find that your personal information has been leaked, especially your account, please contact us immediately through the contact method agreed at the bottom of this policy [How to Contact Us] so that we can take corresponding measures.
4. If you find that our collection and use of your personal information violates laws, administrative regulations or agreements with you, you can contact our customer service and request to delete your personal information collected under the violation. personal information.
5. If you find that your personal information collected and stored by us is wrong, you can contact our customer service to request correction.
6. Before responding to your above 4 and 5 requirements, in order to ensure safety, we need to verify your identity and credential information first. After the verification is passed, the processing will be completed within five working days; if there are special circumstances, the last The governor will give a reply within thirty days or the time limit prescribed by laws and regulations. If you are not satisfied with our answer, you can also complain to the consumer rights protection department or file a lawsuit in a court with jurisdiction.
7. In the following circumstances, we will not be able to respond to your request in accordance with the requirements of laws and regulations:
(1) Related to national security and national defense security;
(2) Related to public safety, public health, and major public interests;
(3) Related to criminal investigation, prosecution and trial;
(4) There is sufficient evidence that you have subjective malice or abuse of rights;
(5) Responding to your request will cause serious damage to the legitimate rights and interests of you or other individuals or organizations.
1. We attach great importance to the protection of personal information of minors. If you are a minor under the age of 18, please ask your guardian to read this Privacy Policy carefully before using our products and/or services, and please use our privacy policy with the consent of your guardian. products and/or services or to provide information to us.
2. If your guardian does not agree to your use of our services or information provided to us in accordance with this policy, please stop using our services immediately and contact us in time.
3. After receiving your written notice or knowing that we have collected the personal information of minors without the prior consent of the guardian, we will immediately stop the collection and use of relevant information.
4. We will protect the confidentiality and security of minors' personal information in accordance with relevant national laws and regulations.
1. In order to provide you with better services and as our business develops, this Privacy Policy will also be updated from time to time. However, will not reduce your rights under this Privacy Policy without your explicit consent. > We will issue an updated version on the mobile terminal, and please visit us to keep abreast of the latest privacy policy.
2. If there is a major change, we will notify you in a more prompt way, including but not limited to sending emails, letters, phone calls, push notifications, etc. Significant changes referred to in this Privacy Policy include but are not limited to:
(1) Significant changes have taken place in our service model;
(2) The main object of public disclosure of personal information has changed.
3. [Revision of Privacy Policy] The revisions we may make to this Privacy Policy constitute a part of this Privacy Policy and have retrospective effect. If you continue to use our products and/or services, you agree to be bound by the revised Privacy Policy.
1. [Applicable laws] The implementation, interpretation and dispute resolution of this privacy policy shall be governed by the laws of the People's Republic of China, without regard to any conflict of laws.
2. [Dispute Resolution] In the event of any dispute between you and us regarding the content of this Privacy Policy or its implementation, the two parties shall resolve it through friendly negotiation. If the two parties are unable to resolve the dispute through negotiation, both parties agree that the dispute should be submitted to the court with jurisdiction in the place where the website is located for litigation resolution.
1. If you have any questions, comments or suggestions about this Privacy Policy or your personal information, please contact us through online feedback and other methods.
2. We have set up a dedicated personal information protection department (or personal information protection specialist), you can send an email to [email protected] way to contact it.
Note: This "Privacy Policy" is promulgated and effective on June 20, 2023.