This Privacy Policy (“Policy”) is prepared in accordance with applicable information technology laws and rules (reasonable security practices and procedures and sensitive personal data or information) and other rules and regulations applicable in this regard.

We have developed a mobile application called 'CashCrane' (app) through which you can apply for short term unsecured loans (credit) granted. Personal information will be collected through the Mobile Application Form provided within the application.

Acceptance of this policy constitutes a legal agreement between you as the user and our company as the platform owner.

This policy outlines our policies and procedures for the collection, use, storage, processing, disclosure and protection of any information, including but not limited to personal or commercial information that you provide as a user ("you") while using the Platform.

A User will be anyone who accesses, uses, negotiates and/or executes a Transaction through the App or using our Services.

By accessing/visiting the Platform through the App and voluntarily providing us with information (personal and/or non-personal), you consent to our collection, use, sharing, retention and disclosure of your information in accordance with this Policy. This policy does not apply to third-party applications connected through links on the platform. If you do not agree to this Policy, please do not continue to use/access this Platform.

Our website and/or mobile application may store personal information, including your name, ID, date of birth, gender, education, religion, photo, physical address, email address, employment information, marital status, contact information , emergency, your phone number, SIM card details, financial and credit information (including your mobile money account details, bank account details and bank verification code (if applicable)) and which you will use to access after registration Account ID and/or password for the application. Likewise, when necessary, specific information may be required to process a request, make a delivery, or formalize a procedure.

CashCrane will download and transfer your SMS data from your phone to (https://malaysia.ninacredito.com/), your data will be protected and confidential. SMS will be used for risk management and anti-fraud control. CashCrane will never share data with third parties without your permission. They will only be collected with your consent. Data will be transferred and downloaded over a secure connection (https).

We collect all contacts from your phone book, including contact name, phone number, date the contact was added to improve your credit profile and allow you to quickly select references in your loan application. Under no circumstances will we store or share your data or transfer it to third parties. We will upload the contact information to the CashCrane server (https://malaysia.ninacredito.com/). Your data will be protected and kept confidential.

If you authorize us to view the call records, we will provide you with a voice call for credit risk assessment, confirm that our application has been installed on your own mobile phone, and will only download the content of the call logs with your explicit consent. consent and transmitted to a secure network environment (https://malaysia.ninacredito.com/), we will never share this data with third parties.

Monitor and collect the content of installed applications: application name, application package name, application installation time, application installation time, and the data of installed applications will be encrypted and uploaded to our server through HTTPS protocol. (https://malaysia.ninacredito.com/) We will never share this data with third parties.

We will use the code (IMEl) of your mobile phone, because with it we can ensure that another mobile phone cannot replace you when requesting a loan, preventing fraud. We do not automatically get the user's phone number to complete the application login page, nor do we store data for applicants who are not approved for a loan. In case of difficulty, please upload to our waiter and our external advisors https://malaysia.ninacredito.com/, so that they can analyze your risk of multiple loans and assess whether the loan can be approved or fraud prevented.

Allow CashCrane to upload user master account information permissions, so as to conduct risk control assessment and give you pre-approved loan discounts. Encrypt and upload to external (https://malaysia.ninacredito.com/) to identify and analyze their behavior and risk, which will help prevent fraud.

It is used to remind you of the repayment date and avoid the impact of overdue repayment on your credit. We will upload the location data to the server for loan comparison (https://malaysia.ninacredito.com/), your data will be protected and confidential.

Collect and monitor information about device locations for risk assessment and scoring. We will upload location data to our server CashCrane(https://malaysia.ninacredito.com/), your data will be protected and confidential.

Access to your device's storage requires your authorization, which will allow you to upload photos and/or documents to fill out the application form during the loan application process. Data will be encrypted and uploaded to our member server (https://malaysia.ninacredito.com/) via HTTPS protocol. Your data will be protected and kept confidential.We will never share this data with third parties.

Collect and monitor certain information about your device, including name, model, region, language, identifiers, hardware and software information, status, usage habits, unique identifiers (such as IMEI and serial number). It is only used to identify your device and to ensure that it cannot be used without your authorization and to prevent fraud. In addition, we will collect a detailed list of your installed applications to assess your borrowing propensity and debt situation, and we will upload the collected data to our highly secure server CashCrane (https://malaysia.ninacredito.com/)

Allow the application to obtain camera permissions to capture images/videos, etc. to speed up the loan application process, we will upload location data to our server CashCrane (https://malaysia.ninacredito.com/), your data will be protected and kept confidential..

For all collected information, we will store it on CashCrane's servers (https://malaysia.ninacredito.com/), which are highly protected and will not be shared with any third parties . .

In order to provide you with mobile applications and services, or to comply with legal obligations, we may need to collect and use file information. Your personal files will only be uploaded to server CashCrane (https://malaysia.ninacredito.com/). Under no circumstances will we share this data with third parties.

CashCrane requires the use of your microphone to capture video to verify your identity during the loan application process. This way we can make sure that no one can use your account and this process makes it much easier to access a loan. We will provide the camera data to the CashCrane server (https://malaysia.ninacredito.com/) and your data will be protected and kept confidential.

CashCrane collects your ID image and facial image to verify your true identity. We upload images by taking photos and do not access your albums and other images. The collected ID card images and facial images are transmitted and uploaded to our server (https://malaysia.ninacredito.com/). We will use HTTPS encryption to store your personal data. We do not share any of your personal data with third parties.

This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. we have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

We collect data to provide services to you. We also collect data used to verify your identity and to create credit scoring models to determine which loan terms may be offered to you. We also use this data for credit reporting and collection purposes.

we value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.

A cookie is a file sent to request permission to be stored on a computer or mobile device. Accepting said file creates a cookie, which is then used to obtain information about web traffic and facilitate reuse of pages or applications for future visits. Another function of cookies is that they allow pages and applications to individually identify a person, thereby providing better services and making them more personal. Our website and/or mobile device applications use cookies to identify which pages are visited and how often. This information is used for statistical analysis, after which the information will be permanently deleted. However, you can delete cookies at any time, cookies help to provide a better service for the website and/or application, unless you choose to do so directly, you will not allow access to information from your computer or mobile device, nor will Access information from you. You can accept or decline the use of cookies, but most browsers automatically accept cookies because it provides better browsing service. You can also change the settings on your computer or mobile device to refuse cookies. If they are declined, you may not be able to use some of our services. However, most browsers automatically accept cookies to provide better browsing service. You can also change the settings on your computer or mobile device to refuse cookies. If they are declined, you may not be able to use some of our services. However, most browsers automatically accept cookies to provide better browsing service. You can also change the settings on your computer or mobile device to refuse cookies. If they are declined, you may not be able to use some of our services.

we may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. we will notify you of any changes by posting the new Privacy Policy on this page.