Registration Service Agreement

Notice:

Before applying for loan make sure that you complete the information requirements.

Policy Conditions:
Loan Agreement 1. Conditions and Contracts:

(1) After the borrower receives the loan balance, it is not applicable to illegal things / gambling / drug bad behavior, etc.

(2) The proof of matter must be completed within 1 day. , if the borrower fails to buy insurance certification within the specified time. Companies must submit documents for lawyers to intervene in the preliminary investigation. and will contact the guarantor in advance for investigation.

(3) After the new borrower is approved, it must have a guaranteed reserve fund or purchase credit insurance from the company. In order to check whether the new customer can pay off the debt after getting the loan amount. (For borrowers who have paid installments with the company, no mortgage or credit insurance is required.)

(4) After signing the contract If the company finds any abnormal behavior or blacklist. The company will have the right to suspend the borrower's loan. and within 3 days to check and find a solution to the internal problem, Otherwise, the company has the right to refuse this contract.

(5) The Borrower undertakes that, if the Borrower agrees to the Agreement, if the Borrower fails to comply with the contract, for whatever reason, The lender has the right to terminate the contract and require the borrower to pay principal and interest. Borrowers are required to pay damages in various court costs including attorney fees and litigation. If the borrower cancels the contract must pay 30% - 50% of the loan amount. paid to the lender.

Privacy Policy

Last updated on: September 19, 2022

Apply with us apply with confidence. We attach great importance to the protection of users' personal information and privacy rights. In view of this, we have formulated this privacy policy in accordance with relevant laws and regulations to help you understand how we will collect, use, and protect your personal information. This privacy policy applies to the products or services we provide. Please carefully read and confirm that you fully understand this privacy policy before using our products or services, so that you can make the choices you think are appropriate. By using the products or services we provide, you mean that you have read all the terms of this privacy policy and have fully understood and understood the meaning and corresponding legal consequences of these terms. You also agree that we will collect, use, and protect your personal information in accordance with this privacy policy. If you do not agree to some or all of the content of this privacy policy, or have any questions about the content of this privacy policy, you should immediately stop using the products or services we provide and pass the Apply with us apply with confidence.Customer service contact us.

This privacy policy has highlighted clauses that have or may have a significant relationship with your rights, as well as clauses that have or may have exemptions or limitations on our liability, in bold font. Please note.

It should be noted that， Apply with us apply with confidence. The platform may also contain links to other websites, and we are not responsible for the information protection measures of such linked websites. We suggest that you review the privacy policy of these websites to understand how they handle your information for prudent decision-making.

This privacy policy will help you understand the following content：

1.How do we collect and use your personal information

2.How do we share, transfer, and publicly disclose your personal information

3.How do we save your personal information

4.How do we protect your personal information

5.How can you manage personal information

6.Personal Information Protection for Minors

7.Notification and Revision

8.How do you contact us

9.severability

10. other

1.How do we collect and use your personal information

Personal information refers to various types of information recorded electronically or in combination with other information that can identify a specific natural person's identity or reflect their activities. We will collect your personal information based on the purpose required to achieve this process in the following process:

1.1 When you register Apply with us apply with confidence. When using an account, we will collect personal biometric information such as your real name, mobile phone number, ID number, email address, login password, gesture password, or facial features. The purpose of collecting such information is to meet the requirements of relevant laws and regulations for network real name registration and protect the security of your account. If you only need to use basic browsing services, you can choose not to register and provide the above information.

1.2 When you use our online lending service, you need to open a bank deposit account, bind a bank account, recharge, lend, withdraw, repay, and pay fees. We and/or our entrusted deposit bank will collect your real name, ID number, bank account information, and/or mobile phone number, and verify your identity information and bank account information. Collecting such information is to meet the requirements of relevant laws and regulations regarding the custody of funds for online lending business. If you do not provide such information, you may not be able to use our services normally.

1.3 When you wish to obtain a loan through the products or services we provide, we will collect your personal information as follows：

i Your real name, ID number, gender, mobile phone number, email address, marital status, age, education, household registration location, current residence (such as proof of residence), work situation (such as work certificate), income situation (such as personal bank statement), credit report, and other property certificates (such as real estate, car property, etc.)；

ii Your social security and provident fund information, as well as sesame credit reports, may require you to provide relevant account names, passwords, and SMS verification codes during the information collection process;

iii The name of the loan project, loan amount, loan term, loan purpose, repayment method, repayment source, and repayment guarantee measures;

iv The utilization of loan funds, your business and financial situation, changes in repayment ability, your overdue loan situation, as well as your litigation and administrative penalties;

v Your address book, call details, your relatives, friends, contacts, and their phone numbers. Please ensure that you have obtained the consent of your relatives, friends, and contacts when providing us with this information, so that we, our affiliates, or partners can contact you through the contact method you provided. If you provide us with relatives, friends, contacts, and their phone numbers without their personal consent, the risks and responsibilities arising from our contact with your relatives, friends, and contacts will be borne by you. When you violate the Apply with us apply with confidence.In order to maintain Apply with us apply with confidence.You agree to the legal rights and interests of Apply with us apply with confidence.Directed and Apply with us apply with confidence.Collaborating law firms, collection agencies, and Apply with us apply with confidence.Disclosure of your breach of contract information by relatives, friends, contacts, etc. who believe they can convey information to you; if Apply with us apply with confidence.If there is a dispute with your relatives, friends, contacts, or other related parties that cannot be resolved through negotiation, Apply with us apply with confidence.We may contact you on our own or through collection agencies, law firms, courts, arbitration committees, and other competent authorities. Please assist us Apply with us apply with confidence.Or the above-mentioned institutions may convey relevant demands to your relatives, friends, contacts, and other related parties, and the above communication is based on your willingness and will not impose additional legal obligations or responsibilities on you; as well as

vi Information collected under other collection methods authorized by you in order to achieve the purpose of this privacy policy or other agreements.

The purpose of collecting such information is to complete borrower identification, credit review, and/or overdue accounting reminders. If you do not provide such information, you may not be able to use our services normally。

1.4 We and/or the custodian bank we entrust will collect your loan records, recharge records, lending records, withdrawal records, repayment records, payment records, as well as property information in your account (including total assets, lending amount, account balance, points, and other property information). The purpose of collecting such information is to complete fund settlement, account verification, and provide information reports, as well as meet the information disclosure requirements of relevant laws and regulations.

1.5 In order to better provide you with products and services, as well as for our own risk prevention and control, and to protect the legitimate rights and interests of all parties, You agree and authorize us to collect your additional information and information through the personal information and information you independently fill out and provide, or through other institutions (including but not limited to credit reporting institutions, China Internet Finance Association, and other legally established industry associations, big data service institutions, and other third-party institutions, the same below) in accordance with the law, in order to assess your performance in the early stage of using the products or services we provide The scope of data and information we collect includes but is not limited to:

i Your other personal information, including but not limited to work information, educational background information, and other information that can individually or in combination with other information identify your personal identity;

ii Any data and information that you retain and form with our affiliates and partners, including but not limited to your securities account and/or bank account information; The relevant legal documents and any personal information or behavioral data retained, formed, or generated by you on our, our affiliates or partners, and other institutions' online platforms, including but not limited to your transaction information, account information, loan project information, performance or breach of contract information, etc;

iii Your credit information, including but not limited to your credit records, credit reports, and other credit information;

iv Your property information, including but not limited to your store/enterprise's operating status, financial and tax information, real estate information, vehicle information, funds, insurance, stocks, trusts, bonds and other investment and financial information, as well as debt information;

v 您在行政机关、司法机关留存的任何信息，包括但不限于户籍信息、工商信息、诉讼信息、执行信息和违法犯罪信息等；以及

vi Other relevant information related to the products or services you apply for or use that you have left with other natural persons, legal entities, and organizations.

1.6 You agree that we can verify and verify the user information you submit or we collect (including but not limited to your personal ID information, etc.) on our own or through our partners (including but not limited to credit reporting institutions, China Internet Finance Association, and other legally established industry associations, big data service institutions, and other third-party cooperation institutions), and view and collect the obtained verification and verification results Operations such as use and retention.

1.7 We will collect your personal commonly used device information (including device name, device model, device identification code, operating system and application version) and log information (such as access content, IP address, access date and time, and access records) during your use of the products or services we provide. The purpose of collecting this information is to provide you with better products and/or services and improve the user experience.

1.8 You hereby agree and authorize us to directly use your personal information and data for the following purposes:

i Conduct user identity recognition, data verification, and verification to review the user's performance and credit status, ensure the rationality and security of transactions, and prevent illegal and criminal activities;

ii To provide you with services that are suitable for you and continuously maintain, improve, and optimize these services, we will classify, model, and analyze your information internally;

iii Used to prevent, detect, and investigate fraud, endangering security, illegal or violating agreements, policies, or rules with us or our affiliates, in order to protect the legitimate rights and interests of you, our other users, us, or our affiliates;

iv We may combine information from a certain service with information from other services to provide you with better and personalized services, content, and suggestions;

v Used to collect various fees that should be paid from you (if any)；

vi Targeted recommendation of our products, services, or promotional activities to you, as well as sharing with our affiliates and partners, in order to provide or recommend our affiliates' products, services, or promotional activities to you. You agree that we, our affiliates, and partners can provide and send notifications of service status, marketing activities, and other commercial information to you through on-site messaging, email, phone, SMS, and other means. If you do not need our promotional information, you can contact us Apply with us apply with confidence.Customer service cancels or unsubscribes from this type of information promotion service; as well as

vii Other usage methods required to achieve the purpose of this privacy policy or authorized by you in this privacy policy or other agreements.

1.9 You are fully aware that in the following situations, we do not need your authorization or consent to collect and use personal information：

i Related to national security and national defense security；

ii Related to public safety, public health, and major public interests;

iii Related to criminal investigation, prosecution, trial, and execution of judgments;

iv For the purpose of safeguarding the significant legitimate rights and interests of personal information subjects or other individuals, such as life and property, but it is difficult to obtain personal consent;

v The collected personal information is disclosed by the individual information subject to the public on their own;

vi Collect your personal information from legally disclosed information, such as legitimate news reports, government information disclosure, and other channels;

vii Necessary for signing the contract according to your requirements;

viii Necessary for maintaining the safe and stable operation of the provided products and/or services, such as detecting and handling faults in the products and/or services;

ix Necessary for legitimate news reporting;

x Academic research institutions conduct statistical or academic research based on the public interest, and when providing academic research or descriptive results to the public, anonymize the personal information contained in the results; as well as

xi Other situations stipulated by laws and regulations.

1.10 You are aware and agree that after collecting your personal information, we may use technical means to desensitize your personal information. We have the right to use desensitized information without disclosing your personal information.

1.11 In order to understand your preferences, conduct consultations or data analysis, improve product services and user experience, improve advertising effectiveness, timely detect and prevent security risks, and provide better services for users and partners, you agree that we have the right to use devices such as "cookies" to collect and track relevant information and information, and provide functions that can only be obtained through devices such as "cookies".

1.12 We will not use 'cookies' for any purpose other than those stated in this privacy policy. You may retain or delete' cookies' according to your preferences.

2.How do we share, transfer, and publicly disclose your personal information

2.1 We promise to assume confidentiality obligations for your personal information (including all data, information, materials, and corresponding transaction records and documents provided by you voluntarily and collected and recorded by us, the same below) in accordance with relevant laws, regulations and regulatory provisions. But in order to provide you with more diversified, personalized, and high-quality services, you agree and authorize us to share your information with third parties under the following circumstances. And we will urge such third parties to take appropriate confidentiality and security measures for your information during its use:

i Obtain your explicit consent or authorization in advance;

ii Provided in accordance with applicable laws and regulations, legal procedures, and mandatory administrative or judicial requirements;

iii Provide to credit reporting agencies and personal credit data institutions established in accordance with the law for relevant units and individuals to inquire and use in accordance with the law;

iv Provide it to the Internet Finance Association and other legally established industry associations for relevant units and individuals to inquire and use in accordance with the law, and disclose and display information in accordance with the requirements of the Internet Finance Association and other industry associations in accordance with the law;

v It is necessary to provide, within the scope permitted by laws and regulations, in order to protect us, our affiliates or partners, you or other users, or the public interest, property, or safety from harm;

vi Provided to our affiliated parties and partners for the purpose of providing you with relevant services for us, our affiliated parties and partners now or in the future. Specific services may include lending services, wealth management services, etc, You hereby confirm that the aforementioned services are what you wish to obtain (including but not limited to verifying your personal data and information, evaluating your credit situation to determine the feasibility and rationality of providing the aforementioned services to you, and determining the relevant terms and conditions of providing the services, etc.);

vii Provided in accordance with relevant agreements (including online electronic agreements and corresponding platform rules) or other legal documents signed between us, our affiliates, partners, and you;

viii If we or our affiliates are involved in mergers, divisions, acquisitions, asset or business transfers, or similar transactions, your personal information may be shared as part of such transactions. We will ensure the confidentiality of such information at the time of sharing, and you agree to acknowledge and understand this;

ix Used based on academic research;

x Used based on social and public interests that comply with laws and regulations; as well as

xi Other sharing methods required to achieve the purpose of this privacy policy, or authorized by you in this privacy policy or other agreements.

2.2 For the purpose of serving users, if our affiliates and partners agree to assume confidentiality obligations, we may share your personal data and information with our affiliates and partners, so that our affiliates and partners can display the goods, services, or promotional activities we provide to you.

2.3 When you use or apply to use the services provided by our affiliated parties or partners, or engage in transactions with them or intend to do so, we may share your personal information and data with such affiliated parties or partners, so that they can verify and analyze your personal information and data.

2.4 Your use of other user information:

Without violating the agreements between us and other users or cooperating institutions, you have the right to request us to provide information and materials of other users or cooperating institutions that have engaged in transactions with you in any of the following situations, and the information and materials we provide are only necessary for use in the following circumstances and to safeguard your legitimate rights and interests:

i. Other users or cooperating institutions that have engaged in transactions with you have committed breach of contract under the legal documents signed with you;

ii. You have filed an arbitration or lawsuit in accordance with the law against other users who have engaged in transactions with you through the company's services, and have provided valid proof of filing (acceptance); or

iii. There have been situations that hinder the realization of your relevant rights and interests under the transactions conducted through our products, including but not limited to the revocation of the company's business license, dissolution, liquidation, bankruptcy declaration, and other situations.

You agree and confirm that, unless otherwise provided by laws and regulations or required by competent arbitration, judicial, administrative and other authorities, you may only use the materials and information of other users or cooperative institutions that you have obtained through signing legal documents with us or applying for disclosure to us for the purpose of achieving and maintaining your relationship with such other users The rights and interests under the legal documents signed by the cooperating institution and the fulfillment of your relevant obligations under such legal documents shall not be used for other purposes, nor shall such information and materials be illegally sold.

2.5 We will not transfer your personal information to any company, organization, or individual except for the following situations:

i. Obtain your explicit consent or authorization in advance;

ii. Provide in accordance with applicable laws and regulations, legal procedures, and mandatory administrative or judicial requirements as necessary;

iii. Provided in accordance with relevant agreements (including online electronic agreements and corresponding platform rules) or other legal documents signed between us, our affiliates, partners, and you; or

iv. If we or our affiliates are involved in mergers, divisions, acquisitions, asset or business transfers, or similar transactions, your personal information may be transferred as part of such transactions. We will ensure the confidentiality of such information at the time of transfer, and you agree to acknowledge and understand this.

2.6 We will publicly disclose your personal information under the following circumstances:

i. According to your needs, disclose the personal information you have specified in a disclosure method that you have explicitly agreed to;

ii. In cases where it is required by laws and regulations, mandatory administrative enforcement or judicial requirements to provide your personal information, we will publicly disclose your personal information based on the type and disclosure method required.

3.How do we save your personal information

3.1 Save Region

Your personal information will be stored in your home country.

3.2 Shelf life

According to relevant laws and regulations, loan contracts in online lending business should be kept for at least five years after the expiration of the contract, and information disclosure content should be kept for at least five years from the date of disclosure. Therefore, unless otherwise stipulated by laws and regulations, we will permanently store your personal information and relevant online lending business data.

After anonymizing your personal information, it will form usable and circulating data. We do not need to notify or obtain your consent for the storage and processing of such data.

3.3 Security incidents

i. If an unfortunate personal information security incident occurs, we will promptly inform you of the basic situation and potential impact of the security incident, the measures we have taken or will take to address it, suggestions for risks you can independently prevent and reduce, and remedial measures for you in accordance with legal and regulatory requirements. We will promptly inform you of the relevant situation of the event through on-site notifications, SMS notifications, phone calls, emails, and other contact information you have reserved. If it is difficult to inform you one by one, we will take reasonable and effective measures to publish an announcement.

ii. We will promptly address security risks such as system vulnerabilities, network attacks, virus attacks, and network intrusions. When an event endangers network security occurs, we will take corresponding remedial measures in a timely manner in accordance with the network security emergency plan, and report to the relevant regulatory authorities in accordance with regulations.

iii. If our physical, technical, or management protective facilities are damaged, resulting in unauthorized access, public disclosure, tampering, or destruction of information, resulting in damage to your legitimate rights and interests, we will strictly assume corresponding responsibilities in accordance with the provisions of the law.

As per this privacy policy and Apply with us apply with confidence.If there is any inconsistency or contradiction in the personal information protection provisions stipulated in the user registration/service agreement of any platform operated, please refer to the provisions of this privacy policy.

Attachment: Explanation of Terms

In order to help you better understand this privacy policy, some terms in the aforementioned clauses are explained as follows：

Apply with us apply with confidence.Or we mean Apply with us apply with confidence.FUNDEX CREDIT LENDING INC.， Apply with us apply with confidence.Platform refers to Apply with us apply with confidence. Any platform operated, including but not limited to web pages and apps. Related parties refer to any entity (including individuals, companies, partnerships, organizations, or any other entity), which directly or indirectly controls, controls, or is controlled by the same entity. Control refers to the direct or indirect ownership of the power or other relationships that constitute actual control over the management and decision-making of relevant entities, whether through the holding of voting rights, contracts, or other means.

Cookies refer to a mechanism that supports server-side (or script) storage and retrieval of information on the client, extending web-based client/server applications by adding simple and persistent client state. The server sends a status message while returning an HTTP object to the client, which is saved by the client. The status information indicates the valid URL range in that state. Afterwards, HTTP requests within this range initiated by the client will return the current value of the status information from the client to the server, which is called a cookie.

Personal sensitive information refers to personal information that, once leaked, illegally provided, or abused, may endanger personal and property safety, easily lead to damage to personal reputation, physical and mental health, or discriminatory treatment. The personal sensitive information referred to in this privacy policy includes: name, ID number, mobile phone number, bank account, personal biometric information, etc.

Anonymization refers to the process of processing personal information through technology, which makes the subject of personal information unrecognizable and the processed information unrecoverable.

Device refers to the device that can be used for Apply with us apply with confidence.Devices for products and/or services, such as desktop devices, tablets, or smartphones.