1. U
s
er
P
rivacy Choice
s
1.1. What data and how i
s
collected and u
s
ed
“Iman
P
ay” app collect
s
following u
s
er’
s
data:
-
P
hone number
-
P
a
ss
port or ID card
-
P
ayment pla
s
tic card
s
The proce
ss
of data collection include
s
regi
s
tration
s
tep
s
where u
s
er
s
add per
s
onal
data after accepting the “
P
ublic offer” which include
s
“
P
rivacy policy” rule
s
by using
OT
P
in the app.
Collected data i
s
s
ending to governmental credit organization
s
which could
s
core
u
s
er
s
for checking their creditworthine
ss
.
-
S
elfie
F
ace data which i
s
collected by the app we
s
end to local authority’
s
databa
s
e for
u
s
er
s
’ identification. It allo
ws
to recognize face of our u
s
er
s
by comparing it with
data from governmental organization. It a
ss
i
s
t
s
u
s
to prevent the growth of frau
d
ca
s
e
s
. Thu
s
, third party already ha
s
face data of u
s
er
s
, and they
s
tore it not more than
during the one year.
In addition, we u
s
e face data only during our
s
coring proce
ss
that take
s
in average
from 5 to 30 minute
s
. After receiving the re
s
ult from
s
coring, we continue to
s
tore
face data of u
s
er
s
during the one year.
1.2. Confi
r
mation of u
s
ing SDK
s
The data collected i
s
s
hared with
s
elected and authorized provider
s
of data analytics
s
ervice
s
. The
s
ervice provider
s
are de
s
cribed below:
- App
M
etrica.
“Iman
P
ay” app u
s
e
s
the
s
ervice for marketing purpo
s
e
s
.
- CredoLab
P
te Ltd.
“Iman
P
ay” app u
s
e
s
Credolab
s
ervice
s
a
s
part of our deci
s
ion proce
ss
to a
ss
e
s
s you
r
creditworthine
ss
for a “Iman
P
ay” with u
s
. We may al
s
o u
s
e your data to a
ss
e
s
s you
r
intere
s
t in receiving financial
s
ervice
s
through algorithm
s
and mathematical modelling.
M
etadata acce
ss
ed, collected and
s
hared are a
s
follows:
-
M
edia
-Contact
s
-Audio
-Calendar
-Reminder
s
We collect data of your phone to provide a
s
egmented ri
s
k profile and generate an
aggregated
s
tati
s
tical information. To protect your identity, we remove all personal
identifier
s
(if any) and p
s
eud
o
nymize
s
uch information. Any metadata proce
ss
ed in this
wa
y
cannot be u
s
ed to reproduce the original data collected.
Credolab’
s
privacy policy i
s
available at the following
link: https://www.credolab.com/privacy-policies/gdpr-privacy-policy.
1.3. Explanation of data
r
etention/deletion policie
s
According to our retention policy, collected data i
s
retained until we get re
s
pon
s
e
fr
om
organization
s
which provide
s
information about the u
s
er
s
’ creditworthiness.
With re
s
pect to our deletion p
o
licy, we provide two option
s
for u
s
er
s
of app “Iman
P
ay”:
log out from the app and delete their account.
F
ir
s
t option allow
s
u
s
er
s
to leave the account
which i
s
created in the app. If u
s
er
s
choo
s
e the
s
econd option, all per
s
onal information o
f
u
s
e
rs
with their accou
n
t i
s
deleted automatically from our
s
ystem.
