Privacy Policy

Last updated: April 7, 2026

1. Introduction

1.1 About Us

This product is developed by NovaCedi. We respect and are committed to protecting your privacy. Before using our application and services, we recommend that you carefully read this Privacy Policy to understand what information we collect from your device and how we use it.

We will collect, store, use, share, and protect your personal information in accordance with this Privacy Policy. By agreeing to this policy, you authorize us to process your personal information as described herein.

1.2 Purpose of This Policy

This Privacy Policy explains how we collect, use, store, and protect your personal information. We are committed to transparency, data minimization, and safeguarding your privacy rights.

1.3 Scope of Application

This policy applies to all data collected through our mobile application, official website (https://www.syntharatechcompany.com), and related services. Information collected offline is not covered by this policy.

1.4 User Consent

By using our services, you agree to the terms of this Privacy Policy. If you do not agree, you may still use limited features, but core services may not be available.

2. Information We Collect

2.1 SMS Information

With your explicit consent, We will only collect SMS records related to financial transactions, including information such as sender, contact person's name, phone number, and transaction amount,for:

Financial behavior analysis to support credit evaluation
Fraud detection and risk prevention

All collected data will be protected using advanced encryption technology and securely transmitted to our server: https://www.syntharatechcompany.com

You can disable this feature in your permission settings at any time. However, please note that disabling SMS permissions will prevent us from analyzing SMS data for credit assessment, which may affect our ability to approve your loan application or provide full loan services. We comply with all applicable laws and will not share SMS content with third parties without your consent.

We do not send SMS messages, and we do not use SMS data for advertising or marketing.

2.2 Installed Applications Information

We collect information about installed applications on your device, including app names , whether it is a system application, and the time of first installation and last update., for:

Fraud detection and prevention
Risk profiling and creditworthiness assessment
Ensuring platform integrity and preventing misuse
Protect your account and funds

All collected information will be strongly encrypted and securely transmitted to our servers at https://www.syntharatechcompany.com. Once analysis and risk controls are complete, the relevant information will be immediately deleted or anonymized; we will not retain this data permanently. We will not share such data with third parties without your permission.

2.3 Camera Access

Camera permission is required for:

Capturing identity documents (e.g., ID card)
Facial recognition and liveness detection
Uploading supporting documents

The camera is only activated when you actively initiate these features.

All captured image data will be encrypted immediately. The encrypted data will then be securely uploaded to our server (https://www.syntharatechcompany.com) for authentication. Once authentication is complete, the associated image data will be immediately and securely deleted or anonymized.

2.4 Device Information

We collect device-related information such as:

Device model, OS version, and hardware configuration
Unique device identifiers (e.g., Android ID)
IP address, network type, and system logs

This data helps us ensure system security, detect suspicious activity, and optimize app performance.

All collected personal information is stored using advanced encryption technology and uploaded to the server https://www.syntharatechcompany.com, and is subsequently deleted or anonymized immediately. It will not be shared with any third party without your explicit consent.

2.5 Approximate Location

We may collect approximate location data, for:

Enhance fraud detection and risk control
Comply with regional regulations
Provide localized services

We do not collect precise GPS location or perform continuous tracking.

All collected personal data will be protected using advanced encryption technology and securely transmitted to our servers: https://www.syntharatechcompany.com. After necessary verification and processing, the relevant information will be immediately deleted or anonymized and will not be shared with any third party without your explicit consent.

2.6 Information Provided by You

We collect personal information that you voluntarily provide when using our services, including during registration, loan application, and customer support interactions.

This information may include, but is not limited to:

Full name and Id Number
Residential address and contact details
Employment information and income information
Bank account information and payment details

We use this information for the following purposes:

To create and manage your account
To process loan applications and disburse funds
To verify your identity and perform KYC (Know Your Customer) procedures
To assess your eligibility and creditworthiness
To comply with legal and regulatory obligations

You are responsible for ensuring that the information you provide is accurate and up to date. Providing incomplete or inaccurate information may affect your ability to use certain services.

3. Legal Basis for Processing

We process your personal data based on the following legal grounds:

Your explicit consent
Performance of a contract (loan services)
Compliance with legal obligations
Legitimate interests such as fraud prevention and security

4. How We Use Your Information

To process, evaluate, and manage your loan applications, including approval, disbursement, and repayment tracking
To verify your identity through authentication processes such as document verification and facial recognition
To assess your creditworthiness by analyzing relevant financial and behavioral data in order to make responsible lending decisions
To detect, prevent, and investigate fraud, suspicious activities, and other illegal or unauthorized actions
To comply with applicable laws, regulations, and regulatory requirements, including anti-money laundering (AML) and know-your-customer (KYC) obligations
To communicate with you regarding your account, loan status, repayment reminders, and important service updates
To provide customer support, respond to inquiries, and resolve disputes or technical issues
To improve and optimize our products, services, and user experience through analytics and system enhancements
To ensure system stability, monitor performance, and troubleshoot errors or security vulnerabilities
To enforce our terms of service and protect the rights, property, and safety of our platform, users, and partners

5. Data Sharing and Disclosure

We do not sell your personal data. We may share your data only in the following situations:

Trusted third parties: Credit agencies, anti-fraud providers, and secure storage partners, used solely to support our services.
Legal basis: When required to comply with legal or regulatory obligations.
Risk and security providers: Detect and prevent fraud, ensuring platform security.

All partners are required to comply with strict data protection obligations.

6. Data Security

We are committed to protecting your personal information and have implemented comprehensive technical, administrative, and organizational security measures to safeguard your data against unauthorized access, alteration, disclosure, or destruction.

We use SSL encryption for data transmission and employ state-of-the-art technology for multiple layers of security protection to ensure robust security.

Our security measures include, but are not limited to:

Data in transit is encrypted using industry-standard encryption technology.
Strict access control mechanisms to ensure that only authorized personnel can access personal data based on their roles and responsibilities
Continuous monitoring of systems and networks to detect and prevent potential security threats, vulnerabilities, and malicious activities
Regular security audits, vulnerability assessments, and penetration testing to maintain a high level of security
Data minimization practices to ensure that only necessary information is collected and retained
Secure storage solutions and protected servers with firewalls and intrusion detection systems
Internal policies and staff training programs to ensure employees handle data responsibly and securely
Incident response procedures to quickly address and mitigate any data breaches or security incidents

While we take reasonable measures to protect your information, no system can be completely secure. Therefore, we encourage users to take appropriate steps to protect their personal information, such as keeping login credentials confidential.

7. Data retention and deletion

We retain your information to ensure smooth service, provide support, manage your account, and detect, prevent, or investigate fraud or illegal activity. Data is retained only for the time necessary to provide the service.

We may retain data as needed to provide the service and may further retain data to fulfill legal obligations, resolve disputes, or enforce agreements.

7.1 Account Deletion

If you wish to delete your account, please note that this process is designed to ensure the security of your data and our services. The account deletion request will be reviewed within 30 business days. During this period, your account will be temporarily suspended and cannot be recovered once the deletion is completed.

Before processing your account deletion request, please ensure that:

All pending loan repayments have been settled
All active loans have been fully repaid
No ongoing disputes or investigations are associated with your account

To initiate the account deletion process, please contact our customer support team. Please note that due to security and regulatory requirements, account deletion can only be processed through our official channels.

Note: Account deletion is a permanent action and cannot be undone. We recommend that you carefully consider before submitting a deletion request.

Alternatively, you can submit your account deletion request directly through our online account deletion page.

8. Updates to This Policy

8.1 Update notification

We may modify this policy and publish the updated information on our platform. Please check back regularly for changes.

8.2 Continued Use

Continuing to use the service after the update indicates acceptance of the update. Users who do not agree to the update can still use basic functions.

9. Contact Us

If you have questions or concerns, please contact us:

Website: www.syntharatechcompany.com

Email: support@syntharatechcompany.com

Business Hours: Monday to Friday, 9:00 AM to 6:00 PM