If you want to use the products/services on the Pawa Kash platform, you first need to register a Pawa Kash account. To create an account on the Pawa Kash platform, we need to collect your mobile phone number and use it to mark your identity. If you refuse to provide your mobile phone number, we will not be able to create an account for you on Pawa Kash or provide you with financial services.
When you log in to the Pawa Kash app for the first time using your mobile phone number, we will send you a verification code to verify your identity in order to comply with legal requirements and protect the security of your account.
In order to ensure that your information is true and provide you with better services, when using Pawa Kash services, we need to authenticate your personal information. You need to provide and allow us to collect your identity information including your name, ID number, date of birth, gender, marital status, education level, work status, whether there are other loans, income, pay time, residential address, phone number, email address, emergency contact information, common chat software account, etc.
Before providing emergency contact information, users need to confirm that they have obtained the consent of the emergency contact. The information we collect includes the name and phone number of the emergency contact provided by the user and their relationship with you.
To protect the security of your account, our customer service will use your mobile phone number, name, ID number and related order information to verify your identity. We may retain your call records and related information. Such records will be automatically deleted after the legal retention period (30 days).
When using Pawa Kash to borrow or repay, you need to provide bank card account or mobile phone account information. If you refuse to provide the above information, you may not be able to use our services normally.
We may send you the latest information about products or services through in-app messages, pop-ups, text messages or phone calls. If you choose not to receive such information, you can contact our customer service to cancel receiving such information or turn off notifications.
When you use Pawa Kash to handle business, the system will automatically generate an order. We collect this information to help you complete order transactions, payment settlement, order inquiry, order management and other related services.
The data we collect is mainly divided into two parts: the first part is the mobile phone data or system data authorized to us by the user; the second part is the data filled in by the customer when applying for the loan.
Collection type: We collect SMS data related to users' financial transactions, including SMS content, sender number, sending time, overdue keyword related SMS. We only collect data related to your financial transactions every time you borrow money, and only collect data in the past three months.
Processing: We use data desensitization and encryption technologies.
Use: Only for assessing credit risk and anti-fraud analysis.
Security: Encrypted and uploaded via HTTPS to https://www.pesaloan.com. We never share with third parties.
Collection type: device name, model, operating system, system version, MAC address, screen size, phone memory, screen resolution, whether wifi is used, and other hardware information.
Processing: desensitizing and encrypting the data.
Use: Form a device fingerprint as a unique identity code.
Security: Encrypted upload via HTTPS. No third-party sharing.
Collection type: App name, whether pre-installed, version number, date of first installation, date of last update.
Processing: desensitizing and encrypting.
Use: For risk control models and fraud detection. Only scan predefined whitelists and blacklists. Non-financial app data will be ignored and not stored.
Your rights: You may revoke this permission at any time via device settings.
Security: Encrypted upload via HTTPS. No third-party sharing.
Collection: name, ID number, date of birth, gender, marital status, education level, job status, other loans, income, payday, residential address, phone number, email, emergency contact, social media accounts, etc.
Processing: desensitization and encryption.
Use: For credit rating.
Security: Encrypted upload via HTTPS. No third-party sharing.
Including compliance with laws, national security, public safety, crime investigation, protection of life/property, information you made public, contract performance, public lawful sources, service security, etc.
Despite security measures, 100% information security cannot be guaranteed due to Internet industry risks. We will bear legal responsibility if caused by our protection flaws.
Your data will be kept for a maximum of 12 months, then deleted.
We use cookies to ensure websites work properly. You can manage or delete cookies according to your preferences.
Our products and services are intended for adults over 18. We do not actively collect information from minors under 18. If a minor uses our service fraudulently, please contact us immediately for deletion.
We may revise this policy according to laws or business needs. We will notify you via pop-up or page announcement. Major changes will be prominently noticed.