LendScore Privacy Policy
LendScore (hereinafter referred to as the "App," "we," "us," or "our") processes your personal information in accordance with applicable data protection laws. This Privacy Policy explains what information we collect, why we collect it, how we use and retain it, with whom we may share it, and what rights you may exercise as a data subject. Please read this Privacy Policy carefully before using the App. We will process your information as described in this Privacy Policy only after you confirm this Privacy Policy through a separate consent action; merely continuing to use the App does not by itself constitute authorization for sensitive permissions.
1. Information We Collect and How We Use It
We collect only the information that is necessary and proportionate to providing our credit score evaluation services and to the stated purposes.
1.1 Information Automatically Collected During Service Operation
After you agree to this Privacy Policy, the App may collect the following information for device environment risk analysis, network security, fraud prevention, and as reference dimensions for credit evaluation:
Installed App List: We read the list of applications installed on your device to determine whether there are abnormalities or risks in the device environment and to help improve the accuracy of credit evaluation.
Device Information: We collect device model, operating system version, and unique device identifiers to maintain network and account security, identify fraudulent activity, and optimize the App's performance on different devices.
1.2 Camera Permission Requiring Separate Authorization
The camera permission will not be used until you explicitly enable it.
Purpose: When you submit an issue through the "Feedback" or "Customer Support" feature, you may use the camera to take photos or videos so that we can more accurately understand the situation you report.
Nature of Authorization: The camera permission is entirely optional. Refusing to enable it will not prevent you from using the core credit evaluation features; you may still submit feedback via text.
This App does not request SMS permission and does not read, collect, store, or upload your SMS content.
2. Legal Basis and Consent
Our legal bases for processing the above information include your consent and processing necessary to perform our service relationship with you, safeguard service security, and prevent fraud. Your consent should be a freely given, specific, and informed indication of your wishes, and will be recorded electronically through the App's separate authorization interface. You may withdraw your camera permission authorization at any time in your device's system settings; after withdrawal, we will stop collecting information through that permission, but processing carried out based on consent before withdrawal will not be affected.
3. Data Security
We adopt reasonable and appropriate technical, organizational, and physical security measures to protect your information, including encrypted transmission and access controls, to maintain the confidentiality, integrity, and availability of personal data and prevent unauthorized access, disclosure, alteration, or loss. We continuously maintain and improve our security protection capabilities.
If a security incident involving your personal data occurs, we will handle it in accordance with applicable data protection laws and the requirements of competent regulatory authorities, submit required reports to the regulatory authorities within the time limits prescribed by law, and promptly notify affected data subjects in a reasonable manner, explaining the nature of the incident, the data that may be involved, and the mitigation measures that can be taken.
4. Data Retention
We retain your information only for the period necessary to achieve the purposes described in this Privacy Policy. When the retention period expires, you cancel your account, or your information is no longer necessary for the collection purposes, we will delete or anonymize the relevant information.
5. Your Rights as a Data Subject
Under applicable data protection laws, you have the following rights:
Right to be informed: To know whether your personal information is being or has been processed, and the purposes, scope, and manner of processing.
Right to object: To object to the processing of your personal information.
Right of access: To request access to the content, source, recipients, and processing methods of your personal information held by us.
Right to rectification: To request correction of inaccurate or erroneous personal information.
Right to erasure or blocking: To request deletion or blocking of information when it is incomplete, outdated, false, unlawfully obtained, or no longer necessary for the collection purposes.
Right to data portability: To obtain a copy of your data being processed in an electronic and structured, commonly used format.
To exercise the above rights, please contact us using the contact details at the end of this Privacy Policy. We will respond to your request within the time limits required by law.
6. Children's Privacy
The App is not directed to children under the age of 13. We do not intentionally collect personal information from children. If we discover that we have unintentionally collected personal information from a child, we will take steps to delete it as soon as possible.
7. Contact Us
If you have any questions about this Privacy Policy or wish to exercise your rights as a data subject, please contact us at:
Email: support@lendscore.top