1. This privacy policy (the "Policy") is showed on the MASTERPLAN mobile application (the"App").
2. This Policy is based on any personal data we collect from you which will be dealt with us. The Policy expresses the customer’s rights regarding the collection, usage, storage, sharing, and protection of your personal information.
3. By clicking the button showing “sign up” which will show you understand and agree on the all privacy policy of MASTERPLAN
4. The privacy policy would change time and time, and we would update the privacy policy on the website and app. And please pay attention to the update the privacy policy.
5. Please read the following content carefully to understand our privacy policy well regarding your personal information and how we will treat it.
A. Personal information
Personal information
In the privacy policy, personal information refers to the information of the specific person. We need to use the personal information for providing the better service for the customer.
• Personal data such as name, BVN number, age, sex, email address, phone number, physical contact information, personal description, photo, username, password, other registration information and (depending on the service used) sometimes financial information such as bank verification code, credit card or bank account;
• Transaction information on the App (such as the bank account, the loan amount, the loan date, etc), and other information you may provide for the loan;
• Other personal information we ask you to submit as part of the verification process (for example, we may ask you to answer other questions online to help us verify your identity);
Please be aware that we keep your personal information safe. When necessary, we will upgrade the product version to safeguard your personal information.Please know that if you don’t authorize us, we will not disclose your information to the third party. We will not take responsibility for unauthorized hacking, virus attacks, or technological problems.You should be in charge disclosing your personal information to third parties. And through your relationship contact, we might double-check your identity. Please feel relieved we will not abuse your information. Your contact information will only be used for our mutual contact and your identity verification in case there are urgent things. We might also receive data from third parties such as finance and credit institutions. By agreeing to this privacy policy, it stands for you agree us to process your personal data.
Contacts information
MASTERPLAN requests permission to read contacts in the submission interface and upload them to https://www.masterplan.fun. After obtaining your permission, we will have your contact information. Please feel assured we will not use your personal contact for other use. What we do is just for providing the right loan duration and loan interest to you. Besides, through this, we can also understand you well in case of fraud. Our company respect the rights and interests of the users, and would not throw away your contact list to others. And if you don’t want to use our product, you can contact us to delete your date.
The privacy data is the most important thing in our company. We would never sell and share your data to others. If you decide to delete our product, we respect your choice and would delete you data. And when you delete your data, you may not be able to use the relevant service.
Access camera
MASTERPLAN requires camera and storage permissions to give you better service. When you upload your personal selfie photo, MASTERPLAN requests camera and storage permissions. After your authorization, we will read your photo data(photo size, size, and other information about photo), and encrypt the data transmission through the HTTPS protocol, and save it on our database.
MASTERPLAN collect your photo information is for evaluating whether you are a real user. This is our risk control needs. What we need it is just for lowering risks and avoiding fraud behaviors and improving user service.
The privacy data is the most important thing in our company. We would never sell and share your data to others. If you decide to delete our product, we respect your choice and would delete you data. And when you delete your data, you may not be able to use the relevant service.
Storage
MASTERPLAN requires your storage permission of the mobile phone so that your personal data can be stored on your mobile phone. Once you need to modify your information, you can easily upload the data and improve the experience of modifying information.
The privacy data is the most important thing in our company. We would never sell and share your data to others. If you decide to delete our product, we respect your choice and would delete you data. And when you delete your data, you may not be able to use the relevant service.
Location
MASTERPLAN requires your location information from your mobile phone. Location information helps us confirm your location. According to Indian law, we cannot make loans to non-residents of India. Therefore location information is very important to our KYC process.
The privacy data is the most important thing in our company. We would never sell and share your data to others. If you decide to delete our product, we respect your choice and would delete you data. And when you delete your data, you may not be able to use the relevant service.
Devices
Collect specific information about your phone, such as your phone's unique device identifier, name, model, region and language settings, device ID, device software and software information, device status and usage habits, your profile information and phone number. Because this information helps us uniquely identify users, we will identify unique devices and prevent fraudulent use of unauthorized devices so that we can detect and prevent any unauthorized devices from taking action against you.
The privacy data is the most important thing in our company. We would never sell and share your data to others. If you decide to delete our product, we respect your choice and would delete you data. And when you delete your data, you may not be able to use the relevant service.
Non-personal information
When you use our app, we might ask your non-personal information in order to understand you well and provide the better service. We respect your rights, and would not use your data for any other purpose.If non-personal information is combined with personal information, we will treat the combined information as personal information for the purposes of this Privacy Policy.
This information may be used by:
• Fill in forms on the app;
• contact us (for example, by phone or other ways);
• login in to use the app;
• Need help from our customer service.
To comply with the KYC policy, during the verification process, we will not disclose your personal information to others without your consent.
B. Data and cookies
(i) We may use mobile tracking technologies and/or cookies to distinguish you from other users of the App. This helps us to improve your user experience on the App.
(ii) While you are free to decline our cookies if your browser permits, please be aware that doing so would influence your usage experience
(iii) Please also note that:
• we use cookies to help identify you and maintain your signed-in status;
• you may encounter cookies from third parties, which are cookies from our service providers, that we have allowed them to help us to provide service for you;
• And please do not click other unknown link which is not good for the privacy security.
C. Use of your information
(i) please be aware that we use your personal information is for providing the better service for you and the personal data is for the following use :
• evaluate your credit degree and decide the loan amount to you;
• help you solve the problems you may encounter in the process of usage;
• solve all complaints and disputes in the usage of app;
• and prevent you being deceived;
• improve and provide better service for you;
• contact with you in case there are some situation we need to contact you (if you agree on our privacy policy, it will shows you allow us to text and call you);
(ii) We may associate any category of information with any other category of information and may treat the combined information as personal information in accordance with this Policy for as long as it is combined.
D. Disclosure of your information
(i) We might disclose personal information in order to meet the demands of legal or regulatory institutions. Such information will be disclosed in accordance with applicable laws and regulations.
(ii) we might disclose your personal information to other members of our company to provide joint services (such as the subsidiaries, affiliates of our company)
(iii) We may also disclose your personal information:
• to other business entities which have cooperation with our company because some services we need to cooperate with other company for improving the products;
• to third parties in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;
• to law enforcement agencies, governmental agencies, or other authorized third parties if we are under a duty to disclose or share your personal data in order to comply with any legal or regulatory obligation or request;
• to credit bureaus. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
• to store information provided via cloud based in order to ensure sustainability in the event of a disaster.
E.Please be aware that we keep your personal information safe.
When necessary, we will upgrade the product version to safeguard your personal information.Please know that if you don’t authorize us, we will not disclose your information to the third party. We will not take responsibility for unauthorized hacking, virus attacks, or technological problems.You should be in charge disclosing your personal information to third parties. And through your relationship contact, we might double-check your identity. Please feel relieved we will not abuse your information. Your contact information will only be used for our mutual contact and your identity verification in case there are urgent things. We might also receive data from third parties such as finance and credit institutions.By agreeing to this privacy policy, it stands for you agree us to process your personal data.
F.Please be aware that we may disclose your information to our service providers, joint marketing entities, business partners, legal and regulatory authorities for better services, such as identity recognition, loan limit, loan duration, interest rate and so on.Hope you can understand it.
If you agree to this privacy policy, it represents you authorize us to deal with your personal information. However, please be assured that we will not use your personal data for other purposes and unlawful usages. Our company is a lawful institution which have been registered in the local government.We will never use your personal information without your permission. Base on this, please read the following messages:
1.Admins: For business requirements, our admins needs your personal information, which is carried out in view of information confidentiality.
2.Service Providers: We may disclose your Personal Information to service providers if they keep your information confidential which covers LENDER, the helper of running the Services or the Platform.
3.Joint Marketing Entity: Your personal information is needed for joint marketing Entity, for example credit platforms, analytical partners, collection company, anti-fraud companies, law partners.
4.Legal and Regulatory Authorities:If legal entity asks your information, we will share your information. The legal entities includes but not limited:
(a)Credit Information Companies;
(b)law enforcement entities or others;
(c)other lawful agreement institutions
5.Business Partners: We may cooperate with the third-party to provide better Services. This cooperation may include but is not limited to data storage, data management, payment processing, and web management. The third party only uses your information to provide better services.
Consent
By downloading the App and accepting our privacy policy will shows that you allow us to collect, use, process, share or transmit your personal information for any of the above purposes.
Customer rights
You have the right to make a request to access and delete the personal data we hold about you, to rectify any personal data held about you that is inaccurate, the right to data portability and the right to request the suspension of the processing of your personal data. In case you wish to exercise your rights or you have other questions, comments and requests regarding this Policy, We are available for you if you have any problems.
Our contact is: MASTERPLANtech@outlook.com
Website: https://www.masterplan.fun
It represents you have agreed to follow this privacy policy as long as you open your account. And please know that our privacy policy would be updated from time to time.