PRIVACY POLICY

This Privacy Policy explains how personal and technical information is collected, used, shared, protected, retained, and deleted in connection with Financial Path and its supporting systems.

1. Personal Details and Credit Account Records

During registration, verification, credit-related activities, and support requests, Financial Path may receive information such as full name, date of birth, mobile number, email address, occupation or employment status, income-related details, identification and KYC information, and bank account details where required.

Account records may contain application information, eligibility assessment results, approved credit limits, credit utilization details, account status, billing information, repayment history, and communications with customer support.

These records enable account registration and authentication, identity confirmation, KYC, eligibility review, credit account administration, repayment servicing, customer assistance, fraud prevention, and compliance with relevant obligations.

Additional details may be requested when reasonably necessary to complete an applicable verification, account review, security, or service-related process.

2. Identity Documents and Camera Access

Identity confirmation may involve photographs taken with the device camera. Depending on the verification requirements, these may include identification documents, verification photographs, facial images, and images used for liveness checks.

The submitted materials are examined for identity and document verification, KYC, eligibility and account assessment, fraud detection, compliance checks, security investigations, account protection, and dispute resolution.

Camera access is initiated by the user's participation in a verification procedure. Financial Path does not activate the camera independently or perform background image capture.

The process does not require unrestricted access to the device's photo library, stored videos, media gallery, or external storage.

3. Device and Connection Information

Technical information about the device and its connectivity may be processed while Financial Path is operating.

This includes device model, operating system version, application version, screen resolution, network connection status, Wi-Fi state, mobile network status, IP address, and limited device or system identifiers supplied by Android.

Crash reports, error records, diagnostic events, and performance logs may also be collected.

These details are relevant to software compatibility, troubleshooting, secure server communication, verification-document transmission, application reliability, device security assessment, suspicious-activity detection, fraud prevention, and account protection.

Financial Path does not use connection information to examine unrelated websites or observe communications through other applications.

Financial Path does not access the device’s contact list, call logs, SMS content, phone numbers saved in contacts, or private communications within other applications. The application does not record or listen to telephone calls.

4. App Activity and Technical Analytics

Financial Path may process limited records describing application operation and interaction with its features.

Such records can include page views, feature interactions, registration-completion events, session events, session duration, technical interaction records, crashes, errors, diagnostic events, and performance information.

The purpose of this processing is to investigate technical issues, maintain reliable services, evaluate application performance, support operational analytics and permitted attribution, and improve technical functionality.

These records are not used for credit profiling, eligibility evaluation, credit approval, limit allocation, interest-rate determination, financial pricing, automated financial decisions, or behavioral advertising.

5. Google Advertising ID (AD_ID)

The Google Advertising ID may be processed when available and permitted by the applicable platform requirements.

Its use is limited to application acquisition attribution, application usage analytics, security monitoring, and fraud detection and prevention.

Financial Path does not rely on AD_ID to assess creditworthiness, create credit profiles, decide whether an application is approved, assign credit limits, calculate interest rates, or determine financial charges.

AD_ID is not used for personalized or targeted advertising of credit products. Processing remains subject to the relevant Android and Google Play requirements.

6. Approximate Location Data

Financial Path may receive approximate location information following authorization through the relevant Android permission.

This information provides a general indication of the device's location for regional service checks, account and device security reviews, detection of unusual access patterns, and prevention of fraud or unauthorized account use.

Precise GPS coordinates are not collected through this permission. The application does not continuously observe a user's location or movement in the background.

Location data is not used for advertising, marketing, behavioral profiling, unrelated personalization, eligibility assessment, credit approval, credit limit determination, interest-rate calculation, or financial pricing.

Users may disable the permission through Android settings. Doing so may affect regional verification or certain security-related functions.

7. Limited Information About Installed Applications

Under Android's restricted application-visibility mechanisms, Financial Path may process metadata associated with certain visible applications.

The relevant fields are application names, package names or identifiers, installation timestamps, and update timestamps.

These details contribute to device security evaluations, recognition of potentially unsafe software conditions or unusual application combinations, investigation of abnormal activity, and prevention of fraud or account misuse.

Financial Path does not request the QUERY_ALL_PACKAGES permission or obtain unrestricted visibility into the complete list of installed applications.

The metadata does not include information stored inside third-party applications, such as messages, passwords, login credentials, private documents, personal app records, browsing information, or user activity.

It is not processed for advertising, marketing, behavioral profiling, unrelated personalization, eligibility assessment, credit approval, limit determination, interest-rate calculation, financial pricing, or other financial decisions.

Such processing remains subject to Android and Google Play application-visibility restrictions.

8. Information Disclosure and Service Providers

Financial Path does not make users' personal information available for sale, rental, or trade.

Providing revolving credit services may require assistance from external service providers. Depending on the operation, information may be disclosed to providers responsible for identity verification, KYC, compliance, fraud prevention, account security, hosting, storage, technical infrastructure, secure data processing, analytics, attribution, diagnostics, crash reporting, customer support, and credit account operations.

These providers are expected to use information only within their authorized responsibilities and maintain appropriate confidentiality and data-protection safeguards.

Disclosure may also take place in response to applicable legal or regulatory requirements, valid legal proceedings, or lawful requests from government authorities, regulators, courts, and law-enforcement bodies.

Information may additionally be disclosed when reasonably necessary to investigate fraud or security incidents, protect accounts, enforce applicable agreements, address disputes, or defend legal rights.

9. Data Transmission and Protection

Some processing takes place on Financial Path's backend infrastructure rather than directly on the user's device.

Depending on the activity, transmitted information may include personal and account records, verification documents and images, device and network details, approximate location, permitted application metadata, advertising identifiers, and diagnostic information.

Transmission between the application and its backend systems is protected through encryption in transit.

Backend service address:

https://api.financialpath.top

Financial Path employs reasonable technical and organizational safeguards, including access restrictions, internal authorization controls, system monitoring, and security review procedures, to reduce risks involving unauthorized access, loss, misuse, alteration, or disclosure.

Sensitive information is accessible only to authorized personnel and service providers whose responsibilities require such access for operational, security, technical support, compliance, or legal purposes.

Electronic storage and transmission involve inherent risks, and absolute security cannot be guaranteed. Users should also take reasonable precautions to safeguard their devices, account credentials, and verification information.

10. Information Retention

The period for which records are maintained depends on the purpose of processing and any continuing account-related or legal obligations.

Information may remain necessary for identity verification, KYC, eligibility assessments, credit account operations, billing and repayment, diagnostics, analytics, attribution, security monitoring, fraud prevention, customer support, investigations, and dispute resolution.

Records are deleted or anonymized once they are no longer needed for the relevant purpose.

Continued retention may be required for regulatory compliance, lawful recordkeeping, unresolved financial obligations, security investigations, fraud prevention, account protection, enforcement of agreements, or legal claims.

Retention periods can differ between information categories. Records preserved for continuing obligations are not used for unrelated advertising, marketing, or behavioral profiling.

11. Account and Personal Data Deletion

Requests to close a Financial Path account and delete eligible associated personal information may be submitted by email to: mail@financialpath.top.

Financial Path may verify a deletion request using the registered mobile number, email address, or other limited information required to confirm account ownership.

After verification, information that no longer needs to be retained will be deleted or anonymized within a reasonable period.

Account deletion may permanently end access to credit account information, transaction details, repayment records, and related application services.

Some records may remain necessary for KYC recordkeeping, outstanding repayment obligations, regulatory compliance, fraud prevention, security investigations, account protection, dispute resolution, or other applicable legal requirements.

When the relevant retention obligation ends, the remaining information will be deleted or anonymized.

Users may also request access to their eligible personal information or correction of inaccurate records by contacting mail@financialpath.top. Such requests may require identity verification and are subject to applicable legal and regulatory requirements.

12. Age Eligibility

Financial Path's services are intended for individuals who are 18 years of age or older.

Personal information from individuals under 18 is not knowingly collected or processed for the provision of revolving credit services.

Should such information be identified, reasonable measures will be taken to delete it or restrict further processing, subject to any applicable legal, security, fraud-prevention, or compliance requirements.

13. Independent Services and Policy Changes

External websites or applications that Financial Path does not operate may maintain separate privacy rules. Users should consult those policies when using the relevant third-party services.

This Privacy Policy may be revised when application features, technology, security arrangements, operational procedures, data-handling practices, or applicable legal and regulatory requirements change.

The current version will be made available within the application and on a publicly accessible Financial Path webpage.

14. Contact Us

Questions concerning this Privacy Policy, personal data, permissions, account privacy, information access, correction, or deletion may be sent to mail@financialpath.top.