This Privacy Policy ("Policy") describes how DOLFINN FINANCIAL TECHNOLOGY CO., LTD ("DolFinn", "we", "our", or "us") collects, uses, stores, processes, and shares information obtained through the DolFinn mobile application ("App") and related services.
1. Information We Collect
DolFinn may collect the following information ("Personal Information"). By using our services, you expressly consent to the collection and processing of your Personal Information as described in this Policy.
- Account Registration and Account Information: Information voluntarily provided by you, including your full name, referral code (if applicable), residential address, photograph, proof of address, and identity verification documents. To facilitate account opening, additional information may be required depending on your employment status:
- Salaried Individuals: Employment-related information, including salary slips, recent payroll records or bank statements (where applicable), employee identification card, employer name, and company email address.
- Self-Employed Individuals: Business or professional information, including occupation, business or work-related social media profiles, business location, and recent proof of monthly income.
- Camera Access: We request access to your device's camera to enable identity verification through selfie capture, facilitate Know Your Customer (KYC) compliance, and allow you to upload required documents within the App.
- Device Information: When you access our Website, App, or Portal, we may automatically collect certain technical information, including your Internet Protocol (IP) address, operating system, device model, browser type, software version, and the date and time of access. This information helps us enhance security, improve service performance, and detect or prevent fraudulent activities.
- Storage Access: We may request permission to access your device's storage to securely download and save documents generated through the App, as well as enable you to upload required documents efficiently. This helps provide a seamless user experience throughout the application process.
2. How We Use Your Information
We use your Personal Information for the following purposes, including but not limited to:
- To process loan applications, purchases, and related transactions;
- To verify your identity and authenticate your account;
- To disburse loans, receive repayments, and provide our financial services;
- To develop and improve our credit assessment models and perform credit scoring;
- To analyze customer usage and behavior in order to enhance our products and services;
- To enable our business partners to fulfill their contractual obligations to you;
- To fulfill our contractual and operational obligations to our partners;
- To diagnose and resolve technical issues affecting our services;
- To comply with applicable laws, regulations, and regulatory requirements, including Know Your Customer (KYC) and Anti-Money Laundering (AML) obligations;
- To detect, investigate, and prevent fraud, unauthorized activities, and other illegal conduct;
- To send you promotional offers, product updates, service notifications, and other relevant communications, where permitted by applicable law.
3. Disclosure and Sharing of Information
By using our services, you acknowledge and agree that, where necessary and appropriate for the purposes described above, we may share your Personal Information with:
- Our parent company, subsidiaries, affiliated companies, or authorized business partners;
- Third parties involved in a merger, acquisition, business restructuring, consolidation, change of control, sale of assets, bankruptcy, or liquidation involving DolFinn;
- Government authorities, regulatory agencies, law enforcement bodies, or other parties where disclosure is reasonably necessary to detect, investigate, prevent, or respond to fraud, illegal activities, security incidents, or threats to the rights, property, or safety of any individual or organization;
- Any person or entity where disclosure is required by applicable law, court order, legal process, or regulatory requirement, or where necessary to establish, exercise, or defend our legal rights; and
- Other third parties with your consent or where such disclosure is otherwise permitted or required for our legitimate business purposes.
4. Data Security and Protection
We are committed to protecting your Personal Information and implement reasonable administrative, technical, and physical safeguards designed to protect it against unauthorized access, disclosure, alteration, or destruction. Access to Personal Information is restricted to authorized personnel with a legitimate business need.
While we employ commercially reasonable security measures to safeguard your information, no method of electronic transmission or data storage is completely secure. Accordingly, we cannot guarantee the absolute security of your Personal Information.
5. Updates to This Privacy Policy
The effective date of this Privacy Policy is stated above. We reserve the right to modify or update this Policy at any time to reflect changes in our business practices, legal requirements, or service offerings.
Any updates will be published within the DolFinn App or on the relevant platform together with the revised effective date, unless a different form of notice is required by applicable law. We encourage you to review this Privacy Policy periodically. Your continued use of the DolFinn App following the publication of any changes constitutes your acceptance of the revised Privacy Policy.
6. Contact Information
If you have any questions, comments, requests, or concerns regarding this Privacy Policy or our handling of your Personal Information, please contact us by email at info@dolfinnco.com or by telephone at +855 96 563 2893.
