This Privacy Policy outlines how PowerLoan ("we") collects, uses, maintains, and discloses your personal data in connection with the Services (as defined below in this Privacy Policy), and how PowerLoan protects your personal data (as defined below in this Privacy Policy).
When you request information or register for our services, or conduct any transactions with PowerLoan, you may be required to provide PowerLoan with your personal data. You consent to our use of your personal data in accordance with this Privacy Policy. Your consent to this Privacy Policy includes your full and unambiguous consent to the actual or potential collection, processing, cross-border transfer, and storage of your personal data (as defined in this Privacy Policy) when you register for, access, or use the "https://www.gekotz.com/" website or its mobile applications, or through any other means (the "Website") or any of its related features, processes, functionality, and services (collectively, the "Services").
This Privacy Policy is intended to inform you of our policies regarding your privacy rights regarding the collection, use, maintenance, and disclosure of your information when you use the Website. This Privacy Policy applies to all information we process in connection with our relationship with you as a client or prospective client. Types of Personal Data
When using this website, we may ask you to provide us with certain personally identifiable information that can be associated with you or used to contact or identify you.
Personally identifiable information is any information that relates directly or indirectly to an individual and that can be identified or determined from that information or from other information held by PowerLoan ("Personal Data").
PowerLoan will transmit the text message data from your mobile phone regarding financial transactions to https://www.gekotz.com/. We only collect text messages for financial transactions for a period of 12 months, and your data will be protected and kept confidential. SMS messages are used for risk management and anti-fraud controls. PowerLoan will never share your data with third parties without your permission. Data is collected only with your consent. Data is transmitted and downloaded over a secure connection (https).
If you authorize us to access your call records for the past hour, we will provide you with voice call functionality for credit risk assessment. We will confirm that our app is installed on your phone and will only download call records with your explicit consent and transmit them to a secure network environment (https://www.gekotz.com/). We will never share this data with third parties.
We will use your mobile phone's IMEI number to ensure that no other phone can be substituted for yours when applying for a loan, thereby preventing fraud. We do not automatically obtain a user's mobile phone number to complete the application login page, nor do we store the data of applicants who are not approved for a loan. If you have difficulty, please upload your data to our server (https://www.gekotz.com/) so that our external consultants can analyze your multiple borrowing risk and assess loan approval and fraud prevention.
We collect and monitor device location information for risk assessment and scoring. We upload this location data to our PowerLoan server (https://www.gekotz.com/), where your data will be protected and kept confidential.
Give PowerLoan permission to upload your master account information for risk assessment and pre-approval loan offers. Data will be encrypted and uploaded to an external server (https://www.gekotz.com/) to identify and analyze user behavior and risk, which helps prevent fraud.
We collect all contacts in your phone's address book, including name, phone number, and date added, to enhance your credit profile and enable you to quickly select references for your loan application. We will never store, share, or transmit your data to third parties. We upload contact information to PowerLoan's servers (https://www.gekotz.com/). Your data will be kept secure and confidential.
This is used to remind you of your payment due dates to prevent late payments from negatively impacting your credit. We upload financial calendar data to our server (https://www.gekotz.com/) for loan management purposes. Your data will be kept secure and confidential.
Collects and monitors specific information about your device, including name, model, region, language, identifiers, hardware and software information, status, usage habits, and unique identifiers (such as IMEI and serial number). This information is used solely to identify your device, prevent unauthorized use, and prevent fraud. Additionally, we collect a detailed list of your installed apps to assess your borrowing propensity and debt situation. This collected data is uploaded to our highly secure PowerLoan servers (https://www.gekotz.com/).
Allows the app to access camera permissions to capture images and videos, etc., to expedite the loan application process. The captured data is uploaded to our PowerLoan servers (https://www.gekotz.com/), where your data is protected and kept confidential.
PowerLoan requires your microphone to record video to verify your identity during the loan application process. This ensures that no one can access your account and streamlines the loan process. We will provide camera data to PowerLoan's servers (https://www.gekotz.com/), where your data will be protected and kept confidential.
All information we collect will be stored on PowerLoan's servers (https://www.gekotz.com/), which are highly protected and will not be shared with any third parties.
To provide you with mobile app services or to fulfill legal obligations, we may need to collect and use file information. Your personal files are only uploaded to PowerLoan's servers (https://www.gekotz.com/), and we will never share this data with third parties.
If you have any questions or concerns about this Privacy Policy, or if you wish to inquire or request information regarding any matters concerning the processing of your personal data, you can contact us at the following information:
Server: https://www.gekotz.com/
PowerLoan seeks to resolve any disputes amicably and expects data subjects to first file a complaint with PowerLoan if they believe their processing is not in compliance with applicable privacy laws. However, if you believe that PowerLoan's processing is in conflict with privacy laws, you have the right to lodge a complaint with the Malaysia Data Protection Supervisory Authority. If you believe that any of your personal data may have been misused, abused, or otherwise disclosed, or you wish to withdraw your consent to the processing of your personal data, you may submit your queries and complaints to PowerLoan via the contact details above to discuss the matter and provide your contact details for reference. All such complaints will be resolved within thirty (30) calendar days. Filing such a complaint will not affect the lawfulness of any processing carried out before you withdrew your consent.