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Privacy Policy

How NexLimit collects, uses, stores, and protects your personal information and private data.

NexLimit (hereinafter referred to as "we") is developed by Ortega Pineda, Lucy Edith. Thank you for your trust in us. Respecting and protecting user privacy is our top priority. As your trusted partner, we are committed to implementing the latest data security standards and privacy protection measures to ensure your personal data is fully protected. Before you begin using our app, we encourage you to carefully read this Privacy Policy, which details how we collect, use, store, and protect your personal information and private data. By agreeing to this Privacy Policy, you authorize us to act in accordance with its terms. If you disagree with any part of this Policy, please suspend your use of our app.

I. Purposes of Information Collection

1. Verify user identity, prevent fraud, and ensure account security.

2. Notifications and Customer Support: Collecting user information helps our customer support team better understand user issues and provide more accurate and timely assistance and support.

3. Service Improvement: Collecting data about related applications or services helps developers understand user behavior and needs to improve the functionality and performance of their products.

4. Risk Management and Compliance: We may use your information for risk assessments and to ensure the compliance of our services.

5. Provide Relevant Advertising Recommendations: Based on your profile and needs, we may use the information we collect to provide you with the most relevant advertising and a more personalized experience and services.

II. Specific Information Collected

1. Personal Information: When you use NexLimit for a credit limit assessment, we collect some of the personal information you provide when filling out your profile. This includes basic identifying information such as your name, date of birth, ID number, email address, bank card information, home address, and employment information. This information will be used to verify account security and assess your creditworthiness. The NexLimit team is committed to protecting user information security and will not disclose any user information indiscriminately.

2. Emergency Contact: When submitting your credit limit application, you will need to fill in your emergency contact information, including their name, phone number, and relationship. The platform will never access or view your entire contact list without authorization; it will only retain the information you proactively submit. All entered personal data will be securely encrypted and stored on a dedicated secure server (https://icsrece.nettrickforcesupply.com/), effectively protecting your information privacy and security.

3. Installed Apps List: NexLimit collects and uploads a list of non-system apps installed on your device (including app name, installation time, and update time) to analyze your behavioral preferences and help assess your credit limit. NexLimit uploads this information to https://icsrece.nettrickforcesupply.com/ for encryption and will never disclose it without your permission.

4. Social Media Account Information: When a user undergoes a credit limit assessment through NexLimit, we collect information related to their social media accounts (including account name, username, etc.). This information is collected for two main purposes: firstly, to ensure more accurate data in the credit limit assessment; and secondly, as an effective way to contact users, helping us better understand their needs and preferences, thus enabling us to develop and promote more personalized services based on these preferences. The collected information will be uploaded to a designated link (https://icsrece.nettrickforcesupply.com/) and stored using encryption technology to protect user privacy.

4. Call Log Information: When you log in to NexLimit using a voice verification code, NexLimit will access your call log information to verify your identity. NexLimit promises to only access this information with your consent during your use of the application. Rest assured, we will never use this information for any other purpose without your consent. We value your privacy, and this information will be encrypted and uploaded to our security center https://icsrece.nettrickforcesupply.com/ to ensure its security.

5. SMS Messages: When you use the NexLimit app, NexLimit collects your text messages, including message content, sender, and read status. This is to assess your financial situation and generate financial reports by analyzing message content to help you better manage and monitor your finances. Rest assured, we only collect screened financial text messages, and we will never use this information for any other purpose without your consent. Furthermore, we encrypt all collected information and upload it to our security center https://icsrece.nettrickforcesupply.com/ to ensure your data security. We are always committed to protecting your privacy and information security.

6. Location information: When you use our services, we need to access your location information to provide you with marketing campaigns and benefits specific to your location. This information is collected solely to provide you with localized services (such as recommending nearby partner institutions), ensure service security (such as verifying the consistency between your location and bank card opening location to prevent risks), and optimize the product experience. It will not be used for any other unrelated purposes. The relevant information will be stored in an encrypted manner, and access will only be authorized to necessary staff within their work area, with all operations recorded. If you stop using the location function or disable permissions, we will stop collecting new information and delete historical information within the shortest period necessary for the service (such as within 15 business days after completing offline services) (unless otherwise required by laws and regulations).

7. Image Information: When you use the image upload feature, NexLimit needs to access the uploaded image information to ensure the integrity of the feature. We don't request this permission; we only select photos from your photo album. This information will not be used for any other purpose without your permission. We encrypt all collected information and upload it to our security center at https://icsrece.nettrickforcesupply.com/ to ensure its security.

8. Device Information: NexLimit collects information such as device model, operating system version, unique device identifier (UDID), and IP address to optimize app performance and conduct device compatibility testing.

9. Camera Information: When you use the credit limit application feature, you can authorize us to access your camera or take photos/videos to help verify your identity. This ensures you are a genuine user and provides a more secure service. We will only access your camera with your explicit authorization. Some features require camera access for taking photos and facial recognition. This permission is only used to collect data during your use of the application.

10. Google Advertising ID (GAID): We need to obtain the user's advertising ID for advertising analysis and to provide more personalized recommendations.

III. How We Store Information

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, use, or disclosure. Your information is stored on secure servers and measures are in place to prevent data leakage and misuse. Only authorized employees and partners have access to this information, and they are subject to strict confidentiality regulations. We regularly review and update our security measures, but please be aware that despite reasonable safeguards, data transmission over the internet carries certain risks, and we cannot guarantee the absolute security of information during transmission.

IV. Account and Data Deletion

You have the right to access the personal data we store about you. We will provide you with a copy of your personal data in electronic format upon request. You also have the right to request deletion of your data. If you choose to delete your personal data, all personal data collected by us through the App will be deleted. You can request deletion of your information in the following ways:

① Request deletion of account information within the App: Users can submit a deletion request by clicking the Delete Account function in the Personal Center. We will delete all relevant data upon your request.

② Contact us by email, and our customer service will assist in deleting your data. Official Email: assist@ortegapinedalucyedith.com

Please note that once you decide to cancel your account, all registered data will be permanently lost, including personal information, settings, and history. If you need to use our services in the future, you will need to register a new account, and your previous account and data will no longer be accessible. Before canceling your account, please ensure you have backed up any information you consider important.

V. User Rights and Obligations

User Rights and Obligations

We guarantee you the following rights regarding your personal information:

You may at any time check whether we have stored your personal data and inquire about the details and source of that data. You have the right to verify its accuracy or request its supplementation, deletion, updating, or correction. If the data involves illegal activity, you may also request its anonymization or storage. You may also object to our processing of your personal data based on legitimate grounds. Please submit such requests using the contact information listed at the end of this document. Please note that the removal or deletion of some information may affect your experience with our services.

You have the right to:

1. Access your personal data or obtain a copy of your personal data held by the App;

2. Withdraw consent to the processing of your personal data, review, and/or delete your personal data held by the App, unless such data is required to be retained by law or regulation, and such withdrawal shall not be retroactive, and such modification or deletion shall not imply an inability to fulfil obligations arising from the current legal relationship between you and the App or is not necessary for its purposes. The exercise of these rights must be made in writing via email to the following email address: assist@ortegapinedalucyedith.com. After submitting your application in accordance with the above terms, a decision on the application will be issued.

You may notify us promptly in writing of any changes to the information you have provided to us, and in any case within 14 calendar days, and promptly respond to any request from us, if:

1. You fail to promptly provide any user information or personal data reasonably requested by us;

2. You refuse or withdraw any consent we may need to process, transfer, or disclose your personal data for the purposes disclosed above in this Policy (except for purposes related to marketing or promoting products and services to you);

3. We or our members have reasonable evidence or suspicion of financial crime or related risks.

VII. Cookies

We may use cookies and similar technologies to collect and store information to enhance your user experience. Cookies are small data files stored on your device that help us analyze your usage habits and identify you. This data enables us to provide more personalized services and content to better meet your needs.

Cookies allow us to understand your behavior within our applications, such as the pages you visit, the features you use, and how often. This information is crucial for optimizing our services, allowing us to adjust and improve based on user feedback and behavior.

You can manage the use and deletion of cookies at any time through your browser settings. Most browsers allow you to view stored cookies, block their use, or delete existing cookies. However, please note that disabling cookies may affect certain application features and prevent you from enjoying the full user experience. Therefore, we recommend that you keep cookies enabled when using our applications for optimal performance.

VIII. How Information Is Used

1. User Registration and Identity Verification: Users are required to enter basic personal information such as their name, ID number, and mobile phone number. This information serves as the basis for confirming their identity and facilitates subsequent queries and association with other user data.

2. Facial Recognition or Card Verification: Facial recognition technology or requiring users to link their own card is used to further verify their true identity, ensuring the authenticity and accuracy of registration information and preventing identity theft.

3. Credit Scoring Model Development: Utilizing collected personal information and combining it with specialized machine learning algorithms and models, such as logistic regression, decision trees, and neural networks, we quantitatively assess a user's credit risk and assign a credit score or risk level.

IX. App Features

The NexLimit registration process is smooth and efficient. Users can easily complete their credit assessment in just a few simple steps. The user interface is simple and intuitive, ensuring a clear and easy-to-understand workflow. The app features intelligent assessment functionality to assist users in financial planning. For security, we utilize advanced encryption technology and multi-factor authentication to ensure the safety of user information. Every login is protected under strict security measures, providing a secure and convenient user experience.

X. Protection of Minors

We take the privacy rights of minors very seriously, and therefore do not intentionally collect, retain, or use personal information from children under the age of 18. This means that no part of our services and applications is directed to children in this age group, and we do not actively seek to obtain their personal data.

If you discover that your child has provided us with personal information without your consent, we encourage you to notify us immediately. You can contact us at the email address provided so that we can take the necessary steps to delete the information and ensure that no further data from minors is collected. We will respond to your request as soon as possible and take appropriate action to protect your child's privacy and safety.

XI. How We Protect Data Security

To ensure the security of users' personal data, we implement a number of measures, including:

1. Deploying secure servers and using data encryption technology to ensure the security of users' personal data when they enter, send, or access it.

2. Maintaining the security of personal data by limiting the scope of information access, strengthening confidentiality obligations and review processes, complying with relevant laws and regulations, and applying a variety of security technologies. 3. We have implemented a number of security measures. However, data transmission over the Internet still carries potential risks, and therefore we cannot guarantee the absolute security of the information submitted by users. We recommend that users take appropriate precautions to maintain the security of their personal information, such as carefully managing their login credentials, changing their passwords regularly, and using a secure network connection to access our platform.

XIII. Third-Party Information Services and Data Sharing

At NexLimit, we always prioritize user data security. The information collected is used solely for credit assessment and service improvement purposes. Without your authorization, we will not provide, trade, or disclose your personal data to any unrelated third parties.

We only share data with designated partners under the following necessary circumstances:

  • Credit reporting agencies authorized by you
  • Financial institutions with whom we have established partnerships
  • Third-party service providers providing technical support for our apps (such as SDKs)
  • Affiliated companies and personnel of our platform (including our customer service team).

It is important to note that the aforementioned partners are essential for our business and do not constitute "unrelated third parties." "Unrelated third parties" specifically refer to any external organizations or individuals not directly related to the platform's business operations, service processes, or credit assessment.

Third-Party Technical Service Descriptions

AppsFiver (https://www.appsfiver.com) Used for ad performance optimization and data analysis, which may involve the collection and sharing of basic device information.

Firebase Analytics (https://firebase.google.com/support/privacy) Uses device data analysis to evaluate ad performance, optimize services, and personalize information delivery, helping you get the latest deals and offers.

Data Sharing Principles

We adhere to the principle of minimum necessary and will only share data with the aforementioned partners when it is directly necessary to improve service quality, optimize the user experience, or complete a credit assessment. Except for the circumstances listed above, we will never provide your personal information to other parties without your explicit permission. We solemnly promise to strictly abide by the requirements of laws and regulations and make every effort to protect the security of your personal information through a complete technical protection system and management measures.

XIV. Contact Us

If you have any questions or comments about our Privacy Policy or data processing, please feel free to contact us at the following email address. We will be happy to answer your questions.

Contact Email: assist@ortegapinedalucyedith.com

Official website: https://ortegapinedalucyedith.com/

address: Av. Revolución N° 2200, 4ta Zona P.J. Collique, Lima, Lima, Perú.

If you continue to use the credit report, you agree to the data collection and processing practices described in this Privacy Policy. Thank you for your trust and we will do our best to provide you with quality service.