LoanRaja (hereinafter referred to as "this App", "we" or "us") values your privacy and the security of your information. This Privacy Policy explains how we collect, use, store, protect, and share your information when you use our application. Please read this policy carefully before using the App.
LoanRaja is a credit report and assessment application designed to help users understand their creditworthiness and financial health. We are committed to respecting your privacy and complying with applicable laws and regulations, including Google Play's policies.
This Privacy Policy applies to all information we collect when you use LoanRaja, including but not limited to device information, SMS data, installed app information, camera and location data. By using this App, you agree to the terms outlined in this Privacy Policy.
During your use of this application, we may request certain user information from you to conduct credit assessments and enhance account security. Details are as follows:
When using credit assessment or income evaluation features, we will request permission to access SMS messages
related to financial transactions (including sender, time, and content). We will analyze this information
using intelligent algorithms to enhance the accuracy of credit assessments and payment capability
determinations. The relevant information will be encrypted and uploaded to
https://data.simplifymar.com. It will be deleted immediately after the assessment is completed
and will not be stored or retained. It will never be disclosed to any third party. This authorization is not
mandatory. You may decline it without affecting the use of other features.
When you choose to complete the registration or login process via voice verification, we temporarily access
and upload part of your recent call logs to a secure server (https://data.simplifymar.com). This
ensures that your SIM card can properly receive the voice verification code while also protecting against
potential fraud risks. Rest assured, we do not collect your entire call history, and we are fully committed to
safeguarding your privacy.
To further analyze your spending patterns and improve the accuracy of our credit assessment, we will collect
information about the financial apps installed on your device. This data will be encrypted and uploaded to our
secure server (https://data.simplifymar.com) and will be deleted once the analysis is completed.
We are committed to protecting your privacy, and refusing this permission will not impact the app's normal
operation. You have the choice to grant or deny this permission.
To facilitate the uploading of your personal bank credit report, we will request access to your device's
camera. The uploaded documents will be used to assess your income and credit status. These files will be
encrypted and uploaded to our secure server (https://data.simplifymar.com) and will be deleted
immediately after the evaluation is complete. We pledge to protect your privacy and ensure your security at
all times. Granting this permission is not mandatory.
To better tailor our services to your needs and enhance account security, we will collect approximate
location data. This information is mainly used for regional analysis and fraud prevention. It will be
encrypted and uploaded to our secure server (https://data.simplifymar.com) and deleted
immediately after the analysis is complete. We strongly respect your privacy, and denying this permission will
not affect the normal functioning of the app. Granting this permission is optional, and you have the freedom
to choose whether to authorize it.
To ensure the safety and legality of product usage, we collect device-specific information, including SAID,
IMEI, hardware model, and Android system version. This data is used for device identification and fraud
prevention, and will be encrypted and uploaded to our secure server
(https://data.simplifymar.com). We will never share your data with any third party without your
explicit consent. Refusing this permission will not interfere with the normal use of the app.
We are committed to taking appropriate measures to safeguard your information, including:
While we strive to protect your information, no network environment is completely risk-free. We will continue to take all reasonable precautions to ensure your data is safe.
The information we collect will be used for the following purposes:
We will never use your personal information for advertising purposes, sell it, or share it with unauthorized third parties.
We treat information security as a top priority, adopting multiple safeguards, including:
User information is collected only to the extent necessary for providing services and strictly in accordance with this Privacy Policy.
You have the following rights regarding your personal information:
To exercise your rights, please contact us using the information provided below.
We may update this Privacy Policy from time to time to reflect changes in our services or legal requirements. We will notify users of any significant changes via in-app notifications or other appropriate means. Continued use of the App constitutes acceptance of the updated Privacy Policy.
If you have any questions about this Privacy Policy or how we handle your information, please contact us:
📧 Email: help@simplifymar.com
⏰ Working Hours: Monday to Friday, 9:00 AM – 6:00 PM (IST)