PRIVACY POLICY

1. Basic personal information: Including name, gender, date of birth, and marital status.
2. Profession information: Including employment type and monthly income.
3. Contact information: Contact information provided or selected by the user, including the contact's name, phone number, and relationship to the user.
4. Payment information: Including payment account details provided by the user and account information used for disbursement or repayment.
5. Document information (needed when necessary): An image of a valid government-issued identity document used for identity verification.
6. Face information (needed when necessary): A selfie provided by the user for identity verification.

The personal information listed above is collected to support identity verification and loan application assessment. We implement appropriate security measures to protect this information. Facial data is encrypted and securely transmitted to https://www.cashwave.top for identity verification. You may request access to or deletion of your personal data, subject to applicable legal requirements.

1. Sms

What Information Do We Collect?

With your permission, MberiCash collects only financial-related SMS data, including message content, sender, recipient, and timestamps.

We use keyword-based filtering to identify relevant financial messages. The collected data is encrypted and securely transmitted to https://www.cashwave.top for analysis. SMS data is permanently deleted after processing.

MberiCash does not access or collect SMS data when the app is closed or inactive.

Why Do We Request SMS Access?

We analyze financial SMS information to better understand users' financial activities, assess creditworthiness, and identify potential fraud risks. This information supports our credit evaluation and fraud prevention processes.

Data Security

We apply keyword filtering to collect only SMS data relevant to financial activities. We do not intentionally collect unrelated personal or non-financial messages.

We clearly explain the purpose of SMS collection and request your permission before accessing SMS information.

All collected SMS data is encrypted and securely transmitted to https://www.cashwave.top. After analysis, the data is permanently deleted and is not shared with third parties.

2. Device Information

MberiCash collects certain device and network information to verify device authenticity, protect user accounts, and prevent fraudulent activities.

The information collected may include device model, operating system version, screen size, device language, RAM capacity, storage capacity, device identifiers such as serial number and SSAID, Wi-Fi status, and mobile network information.

We use this information to assess device security, support credit evaluation, and improve fraud detection.

3. Storage

With your permission, MberiCash accesses the files or documents you select from your device to complete your loan application.

Selected information is encrypted and securely uploaded to our server at https://www.cashwave.top via HTTPS.

We implement appropriate security measures to protect your information from unauthorized access, disclosure, or misuse.

4. Contacts In Your Address Book

With your permission, MberiCash collects the names and phone numbers of contacts you select from your address book.

This information helps you provide emergency contacts during your loan application and supports identity verification, fraud prevention, and credit risk management.

Selected contact information is encrypted and securely uploaded to MberiCash's server at https://www.cashwave.top.

We take appropriate measures to protect your contact information and prevent unauthorized disclosure.

5. Photo Album

MberiCash accesses only the photos you select from your device's photo album to help you upload identification documents during your loan application.

These images are used for identity verification and credit risk assessment.

Your selected photos are encrypted and securely transmitted to MberiCash's server at https://www.cashwave.top.

We protect your information against unauthorized access and disclosure.

6. Camera

MberiCash requests access to your device's camera when you complete identity verification.

The camera is used to capture a selfie that helps confirm your identity and verify the accuracy of the information you provide.

Your camera is activated only during the identity verification process. Once you review and confirm your selfie, the image is encrypted and securely uploaded to https://www.cashwave.top for verification.

Your facial information is handled confidentially, used exclusively for identity verification, and protected against unauthorized access or disclosure.

7. Connected Network App Information

What Information Do We Collect?

MberiCash collects information about certain installed applications that have INTERNET or ACCESS_NETWORK_STATE permissions.

This may include application names, package names, versions, and related application information.

Why Do We Collect This Information?

We analyze application information to identify potentially harmful software, suspicious device environments, and applications that may facilitate fraudulent activities.

This helps us strengthen account security, assess device risks, and prevent unauthorized loan applications.

Data Security

We use Android's official PackageManager API to identify relevant third-party applications with specific network permissions. The information is used for device security assessment and fraud risk management.

Collected application data is compressed using GZIP and encrypted before being securely transmitted to https://www.cashwave.top.

MberiCash collects this information only with the required authorization and implements security measures to prevent unauthorized access, use, or disclosure.

We collect service-related interactions (clicks, browsing, app launches/closes) to optimize functionality and security. Where applicable, this data is anonymized and encrypted. We do not sell behavioral data.

We use the information we collect for the following purposes:

1. To provide, operate, and maintain our application.
2. To enhance, personalize, and expand our application.
3. To comprehend and analyze your application usage.
4. To develop novel products, services, and features.
5. To process your transactions and manage your account.
6. To communicate with you, directly or through partners, for customer service, updates, application-related information, marketing, and promotions.
7. To process transactions and send related information, including payment confirmations and transaction records.
8. To send technical notices, updates, security alerts, support, and administrative messages.
9. To detect and prevent fraudulent transactions, other illegal activities, and protect MberiCash's and others' rights and property.
10. To link or combine with information from third parties to understand your needs and provide better service.

We may disclose personal information to authorized service providers when necessary to operate our services, process transactions, maintain security, or comply with applicable legal obligations. Such disclosures are limited to the information required for the stated purposes and are subject to appropriate confidentiality and data protection safeguards.

We employ administrative, technical, and physical security measures to protect your personal information. While we take reasonable steps to secure your provided information, please be aware that no security measures are infallible, and data transmission cannot be guaranteed against interception or misuse.

Subject to applicable law, you may have the following rights regarding your personal data:

• Right to Access: You can request copies of your personal data.
• Right to Rectification: You can request correction of inaccurate information or completion of incomplete information.
• Right to Erasure: You can request the erasure of your personal data under certain conditions.
• Right to Restrict Processing: You can request restriction of your personal data processing under certain conditions.
• Right to Object to Processing: You can object to our processing of your personal data under certain conditions.
• Right to Data Portability: You can request transfer of collected data to another organization or directly to you under certain conditions.

We will respond to requests within the timeframe required by applicable law. To exercise these rights, please contact us at the provided contact information.

We may update our Privacy Policy periodically. We will notify you of changes by posting the new policy on this page. Please review this policy regularly for changes. Changes are effective when posted on this page.