Privacy Policy
GetLoan Pro ("we", "our", or "us") respects your privacy. This Privacy Policy explains how we collect, use, store, protect, and share your personal information when you use the GetLoan Pro mobile application and associated services ("Services"). By using our Services, you agree to the terms described in this Policy.
Information We Collect
We collect the following categories of information with your explicit consent:
1.1 SMS Data
We collect financial-related SMS messages from your device, including but not limited to salary deposit notifications, bank transaction alerts, loan repayment confirmations, and loan overdue reminders. To ensure accuracy and relevance, only messages from the past 6 months are collected.
Important:
We do not access or collect personal chat messages, promotional messages, or private communications.
We access SMS only to analyze your financial behavior for the purpose of assessing creditworthiness and providing customized loan offers.
SMS data is used solely for credit evaluation and deleted immediately after the analysis is complete.
We will never share your SMS content with any third party without your explicit consent.
Collected data is securely uploaded to https://api.getloanpro.net and permanently deleted after analysis.
1.2 Installed Applications
We gather information about the financial-related apps installed on your device, such as app names and versions.
Purpose:
To assess your financial activity
To enhance risk assessment and security
All collected data is securely stored at https://api.getloanpro.net and deleted after evaluation.
1.3 Camera Access
We may request access to your camera to capture photos of your identity documents (e.g., national ID, passport) during the verification process.
Purpose:
To verify your identity (KYC compliance)
To prevent fraud and meet legal obligations
Captured documents are uploaded to https://api.getloanpro.net and deleted after verification.
1.4 Device Information
We collect technical details of your device, including:
Device model and brand, IMEI number, Google Advertising ID (GAID), Operating system version, Network information
Purpose:
To ensure account security
To detect and prevent fraudulent activity
To optimize app performance
All collected device information is securely stored at https://api.getloanpro.net and deleted once the risk assessment is completed.
1.5 Personal Information
We may collect personal details such as:
Full name, Phone number, Email address, Date of birth, Residential address, Occupation, Income information.
Purpose:
To verify identity
To perform credit assessments
To comply with anti-fraud and regulatory requirements
All collected Personal Information is securely stored at https://api.getloanpro.net and deleted once the risk assessment is completed.
1.6 Location Information
We collect approximate (not precise) location information.
Purpose:
To improve service quality
To prevent fraudulent activities linked to location
All collected location data is securely stored at https://api.getloanpro.net and deleted after the risk assessment is completed.
1.7 Call Logs
We access limited call log information (e.g., incoming call numbers and timestamps).
Purpose:
To deliver and verify voice-based SMS/OTP codes, especially when the user is unable to receive SMS messages.
All collected call-log data is securely stored at https://api.getloanpro.net and deleted after the verification process is completed.
How We Use Your Information
Your information is used to:
Evaluate your loan eligibility
Provide personalized loan offers
Conduct identity and security verification
Prevent fraud and financial crimes
Comply with regulatory and legal requirements
Improve and maintain the functionality of the app
Data Storage and Security
We apply strict technical and organizational measures to protect your information, including:
Data encryption during transmission and storage
Access controls to limit internal data access
Regular security audits and vulnerability assessments
All information is stored securely on servers operated through https://api.getloanpro.net.
Information Sharing
We do not sell, rent, or share your personal information with third parties without your explicit consent, except in the following situations:
Regulatory compliance: when required by law, regulation, or legal process
Service providers: trusted third parties that assist in app functions (under confidentiality agreements)
Fraud prevention: entities assisting in the detection and prevention of fraud
Third-Party Services
Some services in the app may link to or use third-party platforms. These third parties have their own privacy policies, and we are not responsible for their practices. We encourage you to review their policies separately.
Cookies and Tracking Technologies
Although GetLoan Pro does not currently use cookies in the app, if we integrate web-based services in the future, cookies or similar technologies may be used for:
Session management
Fraud detection
Improving user experience
Any implementation will be updated in this Policy, and users will be informed prior to activation.
Your Rights and Choices
You have the right to:
Access the personal information we hold about you
Request correction of inaccurate information
Request deletion of your information (subject to legal retention requirements)
Withdraw your consent at any time
To exercise these rights, please contact us at mail@ibangafin.com.
Please note: revoking certain permissions may affect the app's full functionality.
Data Retention Policy
We retain your information only for as long as necessary:
SMS, device, and app data: deleted after credit evaluation is complete
Identity documents: deleted after KYC verification
Other personal information: deleted after the user account is closed, or in compliance with legal obligations
Children's Privacy
GetLoan Pro is not intended for individuals under the age of 21. We do not knowingly collect information from anyone under 21 years of age.
Changes to This Policy
We may revise this Privacy Policy from time to time. Changes will be posted within the app, and continued use of the Services will signify your acceptance of any updates.
Contact Us
For questions, concerns, or complaints regarding this Privacy Policy, please contact:
Email: mail@ibangafin.com