Welcome and thank you for visiting EZLoan. This Provisions privacy explains how EZLoan and Second Pay Financing Inc. use and committed to protect any information you provide to us when using this application.
EZLoan is committed to protecting and respecting your privacy. This Privacy and Cookie Policy applies to all persons and entities that access the Apps. By accessing and/or using the Services available on or through the Apps, you hereby acknowledge that you have read and agree to the terms of this Privacy And Cookie Policy (together with our Terms of Use), and any other documents referred to on it).
The Privacy and Cookie Policy (together with our Terms of Use, and any other documents referred herein) is: (i) designed to assist you to understand how we collect, use, disclose and/or process the Personal Data you have provided to us, as well as to assist you in making an informed decision before providing us with any of your Personal Data. Please read the following carefully to understand our views and practices regarding your Personal Data and how we will treat it; and (ii) explains why we use cookies, beacons, Flash cookies and similar technologies (“Cookies”) and how to disable them. Our Cookie policy forms part of our Privacy Policy. By accessing and/or using our Apps, you agree to the use of Cookies described in this Policy.
If you choose to use the Apps without blocking or disabling Cookies or opting out of other technologies, you will indicate your consent to our use of these Cookies and to our use (in accordance with this Privacy and Cookie dan Policy) of any Personal Data that we collect using these Cookies. If you do not consent to the use of these Cookies, please be sure to block or disable them using your browser settings.
I. DEFINITIONS
1.1 “Apps" has the same meaning as that under the Terms of Use.
1.2 “Apps Content" has the same meaning as that under the Terms of Use.
1.3 “Device” has the same meaning as that under this Privacy and Cookie Policy.
1.4 “Interactive Services” has the same meaning as that under the Terms of Use.
1.5 “Loan” has the same meaning as that under the Terms of Use.
1.6 “Personal Data" means information or data which can be used to directly or indirectly identify an individual who is a natural person.
1.7 “Selected Third Parties” refers to the third parties set out at section 3.5 below.
1.8 “Service” has the same meaning as that under the Terms of Use.
1.9 “Terms of Use” refers to the Apps’s terms of use.
1.10 “Third Party Cotent” has the same meaning as that under the Terms of Use.
1.11 “Third Party Sites” has the same meaning as that under the Terms of Use
1.12 “EZLoan" has the same meaning as that under the Terms of Use.
1.13 “Users” has the same meaning as that under the Terms of Use.
1.14 “We” and “Us” , has the same meaning as that under the Terms of Use.
1.15 “You” and Your has the same meaning as that under the Terms of Use.
II. PRIVACY POLICY
1. INFORMATION COLLECTION
1.1 In order to give you a more personalized and easy service, we need to identify your identity. When you register an account on EZLoan or use a service on EZLoan, you will need to provide your personal information which may include but are not limited to Name, Gender, place and date of birth, domicile, telephone number, email address, employment information, phone contact, Contact list, IMEI, SMS, call history, social media accounts.
In order to register EZLoan account, you need to provide these information: application location, identity information, face recognition information, emergency contact information, bank card information.
In order to login quickly to EZLoan using phone number and verification code, we will gain information through text message while loging in to the applications, when you use EZLoan, the system will automatically gain access code, and is able to login immediately.
In order to verify the authenticity and uniqueness of the user, you need to obtain the contact list permission, and the user has been authorized in the app pop-up box. We promise not to disclose the user's contact list to any third party.(Contact list)
You can also choose to login using your password. For safety measures and data storage, EZLoan stores your account information and your password and information related to you on EZLoan’s server.
In order to fully protect the safety of your account, when you visit EZLoan’s website or other related websites, or EZLoan application or use our services, we are able to trach/record your login information, this information can help us understand better your account’s safety, which may include, but is not limited to IP address, permanent device recognition (ie: SSAID, MAC address, IMEI, etc).
Other than the above information, we also collect additional information in order to raise our service quality, including information that you give when you contact our customer service, and your information which we collect from our affiliated company
The Company respects your privacy and assures that your personal data will be kept securely according to the local PDPA or equivalent.
I hereby give my acknowledgement and consent to the Company to use my personal data for the aforesaid Purposes and Services.
1.2 From time to time, EZLoan may collect information and data about you, including information and data:
(a) that you provide or is provided to by any person authorised by you;
(b) in relation to each of your visit to our Apps; and
(c) from such other third parties authorised by you and publicly available sources including credit rating agencies or bureaus.
1.3 Through you, EZLoan may also collect information and data about your family members, friends, beneficiaries, attorneys, shareholders, beneficial owners, representatives, persons under any trust, trustees, partners, committee members, directors, officers or authorised signatories, guarantors, other security providers and other individuals (collectively all of the foregoing who are natural persons, "Relevant Individuals").
1.4 In this regard, EZLoan may collect the following information and data stated at section 1.2 and 1.3 as follows:
(a) Any information or data about you and/or such Relevant Individual(s) that can identify you or such Relevant Individual(s), including but not limited to name, date of birth, identity card or other identification number or particulars, address, email address, phone number, contact details, financial and credit card information, personal description and photograph, products and services portfolio information, transaction patterns and behavior, financial background, investment history, educational background and demographic data;
(b) Any information and data about you and/or such Relevant Individual(s) generated and/or provided to us in the course of accessing our Apps and undertaking any activity on our Apps. For example, your registered username for the Apps, search results and history for Services within our Apps, Loan submission history,
(c) Any information and data about you and such Relevant Individual(s) generated and/or provided to us in the course of maintaining the relationship between us and you including account review reports and records of correspondence with you over the phone or via email;
(d) Any information and data about you collected in relation to each of your visit to our Apps including:
(i) technical information, including the Internet protocol (IP) address used to connect your mobile devices to the internet, your login information, time zone setting, operating system and platform;
(ii) site visit information, including the full Uniform Resource Locators (URL) clickstream to, through and from our Apps (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouseovers), and methods used to browse away from the page and any phone number used to call our customer service number; and
(iii) information and data from cookies or other technologies deployed on our Apps. For detailed information on such cookies and technologies and the purposes for which we use them see our Cookie Policy below.
(e) Any information and data about you collected by us when you participate in events organised by us, such as functions, seminars, contests or reward programs, which may include photographs, videos and voice recording of you;
(f) Any information and data about you which we receive if you use any of the other websites or applications operated by us, our affiliates and subsidiaries or the other services provided by us, our affiliates and subsidiaries. In such a case, we will have informed you and obtained your consent for the collection of such information or data about you by the relevant Privacy Policy contained from such other websites or applications operated by us.
(g) If you access the App or Service through a mobile device, EZLoan may be able to identify the general location of your mobile device. EZLoan will collect information including but not limited to: your mobile device’s brand, model, operating system, resolution, screen size, system version, Bluetooth settings, internet connection, history of the apps you have installed, the apps you have running in the background, mobile device’s Android Advertising ID, along with your account activation time, content displayed to you and whether you clicked on it, your IP address, your mobile country code, and your identity. We will also request access to your photos, media and files, your device’s camera and microphone, your Wi-Fi connection information and
(h) Any information and data about you which we receive from Selected Third Parties (set out at section 3.5 below);
1.4 Information and data about you and such Relevant Individual(s) which are referenced above at section 1.3 shall collectively be referred to as “Customer Data”.
1.5. How do we collect information
When you visit our website or our customer mobile service facility, or if you use other services of EZLoan, you are obliged to provide a certain amount of information to us we will also collect your information, we can also collector information from our affiliates and business partners to complete our data, to provide services to you. We will use an encrypted safety system to store and collect your sensitive personal information.
2. USE AND DISCLOSURE OF PERSONAL INFORMATION AND DATA
2.1 Where deemed necessary and appropriate by EZLoan and in accordance with applicable laws, rules, dan regulations, Customer Data may be used and disclosed by EZLoan for the following purposes to:
(a) grant you access and facilitate the use of our Apps and to ensure that the Apps Content, Loan, Service, Interactive Services, Third Party Content and Third Party Sites are presented in the most effective manner for you and for your Device;
(b) provide you with information, Apps Content, Loan, Service and Interactive Services that you request from us and access to Third Party Sites and Third Party Content;
(c) carry out our obligations arising from any contracts entered into between you and us;
(d) provide you with information about other Loan and Services we offer that are similar to those that you have already purchased or enquired about;
(e) provide you, or permit Selected Third Parties to provide you, with information about Services that we feel may interest you. If you are an existing User, we will only contact you by email, SMS/MMS or phone with information about Services similar to those that you had previously considered, invested or utilised. If you are a new customer, and where you consented to the disclosure of your Personal Data to Selected Third Parties, we (or such Selected Third Parties) may contact you by email or SMS/MMS with information about Services;
(f) notify you about changes to our Apps, Apps Content, Loan, Service, Interactive Services, Third Party Content and Third Party Sites;
(g) administer our Apps and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
(h) improve our Apps to ensure that the Apps Content, Loan, Service, Interactive Services, Third Party Content and Third Party Sites are presented in the most effective manner for you and for your Device;
(j) implement and review safety and security measures on our Apps so as to keep our Apps safe and secure;
(k) measure or understand the effectiveness of our advertising and third party advertising on our Apps and on other third party websites, and to deliver relevant advertising to you;
(l) make suggestions and recommendations to you and other Users of our Apps about Service or third party products and services that may interest you or them;
(m) make decisions relating to the opening or continuation of User account(s) and the establishment, provision or continuation of Service(s) and Loan(s) otherwise maintaining accurate “know your customer” information and conducting anti-money laundering, credit and background checks;
(n) provide, operate, process and administer User account(s), Service(s) and Loan(s) or to process applications for User account(s), Service(s) and Loan(s), any transactions (including remittance transactions), and to maintain service quality and train staff;
(o) undertake activities related to the provision of User account(s), Service(s) and Loan(s), including the subscription or proposed subscription of Loan(s) or Service(s) (whether offered or issued by EZLoan or otherwise) and the provision of research report or analyst materials;
(p) provide Loan-related services and support, including without limitation, provision of processing or administrative support or acting as an intermediary / nominee / agent in connection with your participation in Loan(s);
(q) provide or grant access to Loan-related materials such as offering documents, research reports, product profiles, fact sheets, term sheets or other product-related materials;
(r) fulfill foreign and domestic legal, regulatory and compliance requirements applicable to EZLoan under any applicable laws (including anti-money laundering and tax obligations applicable to EZLoan and disclosure to any stock exchange, court, governmental authority, supervisory authority or any other authority or regulator pursuant to relevant guidelines, regulations, orders, guidance or requests from such organisations) and comply dan with any applicable treaty or agreement with or between foreign and domestic governments applicable to EZLoan;
(s) verify the identity and/or authority of your representatives who contact EZLoan or may be contacted by EZLoan and to carry out or respond to requests, questions or instructions from verified representatives or other parties pursuant to our prevailing security procedures;
conducting credit and other background checks and reviews, and maintaining credit history of you and your authorised representative (whether or not there exists any direct relationship between that authorised representative and EZLoan) for present and future reference;
(u) monitor and record calls and electronic communications with you for record keeping, quality, training, investigation and fraud prevention purposes;
(v) detect, prevent, investigate and prosecute crime and fraud including to aid in any criminal investigation by the relevant authorities of you, such Relevant Individuals or any other person;
(w) enforce (including, without limitation, collection of such outstanding amount(s) owed to EZLoan) or defend the rights of EZLoan, contractual or otherwise;
(x) perform internal management to operate control and management information systems and to carry out internal audits or enable the conduct of external audits;
(y) enable an actual or proposed assignee of EZLoan, or participant or sub-participant of EZLoan’s rights in respect of you, to evaluate the transaction intended to be the subject of the assignment, participation or subparticipation;
(z) comply with contractual arrangements by or between industry self-regulatory, industry bodies, associations of industry providers or other institutions similar to EZLoan; and
(aa) to manage EZLoan’s relationship with you, which may include providing information to you or a Relevant Individual, about EZLoan’s Services, where specifically consented to or where permissible under applicable laws and regulations;
(bb) for marketing financial or loan related products or services by various modes of communication including mail, telephone call, SMS, fax, electronic mail, internet, market research, and designing or refining any similar products or services including by conducting market research, data analysis, and surveys;
(cc) to comply with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within EZLoan and any other use of data and information in accordance with any EZLoan dan programs for compliance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities.
2.2 We may combine any information and data, regardless of how such information and data were provided to us or collected by us, and use the combined information or data for the purposes set out at section 2.1 above.
2.3 We may also use and disclose Customer Data for any other purposes relating to any of the above set out at sections 2.1 and 2.2, which a reasonable person would consider appropriate in the circumstances
2.4 As the purposes for which we may collect, use, disclose or process your Personal Data depend on the circumstances at hand, such purpose(s) may not appear above. However, we will notify you of such other purpose at the time of obtaining your consent for the collection of such Customer Data, unless processing of your Personal Data without your consent is permitted by law.
2.5 We may also share Customer Data with selected third parties ("Selected Third Parties") including:
(a) business partners, suppliers and sub-contractors for the performance of any contract we enter into with them or you;
(b) advertisers and advertising networks that require the data to select and serve relevant adverts to you and others. We do not disclose information about identifiable individuals to our advertisers, but we may provide them with aggregate information about our Users (for example, we may inform them that 500 men aged under 30 have clicked on their advertisement on any given day). We may also use such aggregate information to help advertisers reach the kind of audience they want to target. We may make use of information or data collected from you to enable us to comply with our advertisers' wishes by displaying their advertisement to that target audience;
(c) analytics and search engine providers that assist us in the improvement and optimisation of our Apps;
(d) prospective seller or buyer of business or assets in the event that we sell or buy any business or assets, in which case we may transfer your Personal Data to such buyer or seller as part of the transaction;
(e) any such organisations or persons, if we are under a duty to disclose or share your Personal Data in order to comply with any legal obligation, or in order to enforce or apply our Terms of Use, our Cookie Policy, and other agreements, or to protect the rights, property, or safety of EZLoan, our customers, Users or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction;
(f) agent, contractor or third party service provider who provides administrative, mailing, telemarketing, direct sales telecommunications, call center, business process, travel, visa, knowledge management, human resource, data processing, information technology, computer, payment, debt collection, credit reference or other background checks or other services to EZLoan in connection with the operation of the business of EZLoan;
(g) person or entity which is part of EZLoan although only to the extent necessary to fulfill the relevant Permitted Purpose;
(h) drawee or drawer bank in connection with any cheque or equivalent processed by EZLoan
Service(s);
(i) financial institution with whom you have or propose to have dealings in relation to any Loan(s) and/or Service(s)
(j) person or entity to whom EZLoan is under an obligation or otherwise required to make disclosure pursuant to legal process or under the requirements of any foreign or domestic law, regulation, court order or agreement entered into, binding on or applying to EZLoan, or agreement entered into by EZLoan and any government authority, domestic or foreign, or between or among any two or more domestic or foreign governmental authorities, or any disclosure under and for the purposes of any guidelines or guidance given or issued by any dan legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory of industry bodies or associations of financial services providers or securities exchanges with which EZLoan is required or expected to comply, or any disclosure pursuant to any contractual or other commitment of EZLoan with legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers, or securities exchanges, all of which may be within or outside Indonesia including disclosure to courts, tribunals, and/or legal, regulatory, tax and government authorities, whether such legal process, obligation, request, requirement, agreement or guidance may be existing currently dan or created in the future;
(k) financial institution, processing agent, or any other person who will be involved in remittance transactions or any banking/financial activities;
(l) actual or proposed assignee of EZLoan, or participant or sub-participant or transferee of EZLoan rights in respect of you or any other Relevant Individual, all or any part of the assets or business of EZLoan; and
(m) party giving or proposing to give a guarantee or third party security to guarantee or secure your obligations or those of any Relevant Individual.
2.6 In this regard, the purposes for the use and disclosure of information and data about you which is referenced under this section 3 shall collectively be referred to as “Permitted Purposes”.
3. PERSONAL DATA AND CREDIT REFERENCE AGENCIES
3.1 EZLoan may, on its own and/or as your agent, provide relevant information and data about you to credit reference agencies for the purposes of updating your credit records in the consumer credit database of such agencies. In this regard, the relevant information and data about you will be in relation to Loan(s) and/or Service(s) held or applied by you (whether as a borrower, mortgagor, guarantor or security provider and whether in your sole name or jointly with others) and this information and data will include:
(a) your full name;
(b) your capacity in respect of Loan (as borrower, mortgagor, guarantor or security provider, and whether in your sole name or in joint name with others);
(c) your identification number (for example, identification card, passport or social security number);
(d) your date of birth;
(e) your correspondence address;
(f) your account or reference number in respect of each Loan;
(g) the type of Loan held and/or applied;
(h) account status (for example, active, closed, write-off (other than due to a bankruptcy order), write-off due to a bankruptcy order);
(i) repayment trend and status (for example, full or partial payment, current or late);
(j) account closed date, if any, in respect of each Loan;
(k) Loan application date; and
(l) general information about the account and the information regarding any material default, if any, relating to such material default.
3.2 For the purpose of determining your credit risks when you apply for any Loan(s) or Service(s), EZLoan may access and obtain from the credit reference agencies such personal and account information or records about you and such Relevant Individual(s) (including information about the number of facility/loan count) held by any credit reference agency in the relevant jurisdiction.
3.3 EZLoan may also from time to time access such personal and account information or records about you and such Relevant Individual(s) (including information about the number of mortgage count) held by a credit reference agency for the purpose of reviewing any of the following matters in relation to existing Loan(s) granted to you or to a third party whose obligations are guaranteed by you:
(a) an increase in the credit amount;
(b) the curtailing of credit (including the cancellation of credit or a decrease in the credit amount);
(c) granting of additional Loan; or
(d) the putting in place or the implementation of a scheme of arrangement relating to you or any third party whose obligation are guaranteed by you.
access such credit report about you, EZLoan will provide you with the contact details of the relevant credit reference agency for you to obtain the report independently.
4. ADMINISTRATION AND MANAGEMENT OF YOUR PERSONAL DATA
4.1 We will take reasonable efforts to ensure that your Personal Data is accurate and complete, if your Personal Data is likely to be used by EZLoan to make a decision that affects you, or disclosed to another organisation. However, this means that you must also update us of any changes in your Personal Data that you had initially provided us with. We will not be responsible for relying on inaccurate or incomplete Personal Data arising from your not updating us of any changes in your Personal Data that you had initially provided us with.
4.2 We will also put in place reasonable security arrangements to ensure that your Personal Data is adequately protected and secured. Appropriate security arrangements will be taken to prevent any unauthorised access, collection,use, disclosure, copying, modification, leakage, loss, damage and/or alteration of your Personal Data. However, we cannot assume responsibility for any unauthorised use of your Personal Data by third parties which are wholly attributable to factors beyond our control. We will notify you as soon as practicable in the event your Personal Data is accessed by third parties for any unauthorized use.
4.3 We will also put in place measures such that your Personal Data in our possession or under our control is destroyed and/or anonymized as soon as it is reasonable to assume that (i) the purpose for which that Personal Data was collected is no longer being served by the retention of such Personal Data; and (ii) retention is no longer necessary for any other legal or business purposes. In any case, the destruction of the personal data in our possession shall be carried out no sooner than 5 years after those data were collected, unless requested so by you before such time.
5. RIGHT TO REFUSE USE OF PERSONAL DATA FOR MARKETING PURPOSES
5.1 You have the right to ask us not to process your Personal Data for marketing purposes. We will inform you and obtain your consent before we use your Personal Data for such purposes or if we intend to disclose your Personal Data to any third party for such purposes. You can exercise your right to opt out of such processing by marking on the relevant forms we used to collect your data. Even after you have given us your consent for your Personal Data to be used for marketing purposes, you may, at any time thereafter, withdraw your consent by contacting us at cashexpress@mpaidloan.com.
6. LINKS TO OTHER SITES
note that these websites may or may not have their own privacy policies and that we do not accept any responsibility or liability for these policies or lack thereof. Please check these policies before you submit any information including your Personal Data to these websites.
7. ACCESS TO INFORMATION
7.1 You have the right to request from us Personal Data about you held by EZLoan. If you wish to access, update or otherwise change or remove any information that you provide to us, please contact us at cashexpress@mpaidloan.com for assistance. Any access request may be subject to a fee of [amount of fees to be charged] to meet our costs in providing you with details of the information we hold about you.
7.2 In exceptional circumstances, EZLoan may deny you access to your Personal Data but we will provide you with an explanation of the reason(s) which prevent us from doing so under the applicable laws. Such exceptional circumstances include but are not limited to where:
(a) An investigating authority or government institution objects to EZLoan complying with a customer’s request;
(b) The information may, in the exercise of EZLoan’s reasonable discretion and/or assessment, affect the life or security of an individual; and
(c) Data is collected in connection with an investigation of a breach of contract, suspicion of fraudulent activities or contravention of law.
8. CHANGES TO OUR PRIVACY POLICY
In the event there are any changes to our Privacy Policy, we will notify you on the changes and the commencement date of the policy changes. Any changes we may make to our Privacy Policy in the future will be posted on this page and, where appropriate, notified to you by email. Please check back frequently to see any updates or changes to our privacy policy.
9. MINORS
9.1 EZLoan cannot distinguish the age of persons who access and use its websites. If a minor (according to applicable laws) has provided EZLoan with Customer Data without parental or guardian consent, the parent or guardian should contact EZLoan to remove the relevant Customer Data and unsubscribe the minor.
10. ACKNOWLEDGEMENT
10.1 You acknowledge that where you fail to supply relevant information or data or withdraw consent in respect of the collection, use and/or disclosure of relevant information or data as described in this Privacy Policy,
inform you of the likely consequences for such withdrawal of consent should you inform us of your intention to withdraw your consent.
10.2 You warrant to EZLoan that where you or your representatives are responsible for the provision of any information or data relating to any person(s) to EZLoan, or has provided any such information or data to EZLoan, you have informed and obtained the consent of the person(s) concerned to allow EZLoan to collect, use and/or disclose information relating to the person(s) concerned as described in this Privacy Policy.
10.3 You agree that you have obtained the consent of all such Relevant Individual(s) so that any information or data of a Relevant Individual may be processed, kept, transferred or disclosed in and to any country as EZLoan considers appropriate or necessary, in accordance with applicable law for the Permitted Purposes. dan Such data may also be processed, kept, transferred or disclosed in accordance with the local practices and dan laws, rules and regulations (including any regulatory requests, governmental acts and orders) in such country/jurisdiction.
10.4 For use by Indonesian users, in compliance with Law No. 24 of 2009 regarding National Flag, Language, Emblem and Song, this Privacy Policy are also prepared in Bahasa Indonesian language and in the event of inconsistency between English and Indonesian language, the English text will be deemed to be amended to confirm with and to make the relevant English text consistent with the relevant Indonesian language text.
11. CONTACT
Questions, comments and requests regarding this Privacy Policy are welcomed and may be directed to EZLoan at the following address:
Second Pay Financing Inc
lanneretpang@gmail.com.
III. COOKIE POLICY
1. WHAT ARE COOKIES?
1.1 A Cookie is a small piece of information (including but not limited to small text files) that a web server can transfer and/or store on a web browser or mobile application, the hard drive of a computer, mobile phone or device, tablet, other personal communication devices, application or web tool (your "Device" ). Small graphic images such as “pixel tags” or “clear GIFs”, or small computer files, software programs and similar technologies
1.2 As a mobile application user uses the mobile application, some Cookies are stored in the Device’s memory in a Cookie file or used in combination with other Cookies. Cookies serve various functions and facilitate certain features that can make the application experience more convenient and valuable for mobile application users by having a Device retain specific information that the application can later retrieve.
1.3 Information in a Cookie is associated with a combination of a user account and a Device. Thus, anyone who uses multiple accounts or Devices (including mobile device with different browsers) has multiple sets of Cookies. Likewise, Cookies do not differentiate between multiple users who share the same user account or Device. If more than one browser is used on a mobile device, each usually has a separate storage area for cookies. Cookies may have long-term expiration dates, or none, and may stay in your Device for months at a time.
1.4 Cookies cannot be used to obtain data from your hard drive, get your e-mail address or steal sensitive or personal information about you. The only way that any personally identifiable information could be part of your cookie file would be if your Device provided that information to a web or mobile application server.
1.5 For more information on cookies, please refer to www.aboutcookies.org, or www.allaboutcookies.org. You may also refer to our Privacy Policy which explains how we protect your privacy in our use of information and data about you.
2. What do we use cookies for?
2.1 EZLoan uses Cookies to improve the performance of the Apps, Apps Content and Service and to enhance your browsing experience. We may share some of the Cookie information we gather within the EZLoan group and the analysis of the information with Selected Third Parties in accordance with and as defined in this Privacy dan and Cookie Policy. In general, EZLoan uses Cookies for the following purposes:
(a) to allow our Apps to work correctly and ensure its proper operation;
(b) to help us protect the security of your account by detecting malicious activity and violations of our Terms of Use;
(c) to provide Services to you through the administration of our Apps;
(d) to distinguish you from other Users (as defined under this Privacy and Cookie Policy) when you return to our Apps and allow you to use our Apps in a way that makes your experience more convenient. For example, Cookies can let us know your language and communications preference;
(f) to ensure and improve proper functioning of our Apps, in terms of navigation and usability, as well as to evaluate the effectiveness of our marketing efforts.
2.2 If you want to know more about the specific Cookies we use, please refer to the table below:
2.2.1 Cookie
(a) Purpose
2.2.2 Strictly Necessary Cookies
(a) These are Cookies that essential for the proper operation of our Apps. They enable you to move around our Apps and use our features, such as remembering previous actions when navigating back to a page in the same session. They enable you to access the parts of our Apps that are restricted to registered Users. Without them, you would not be able to sign in or return to the Apps or move through the various parts without having to continually identifying yourself by resubmitting your details (for example, a username or encrypted customer identification number). These cookies also help us protect the security of your account by letting us know when several people have logged in from the same Device or account.
2.2.3 Functionality Cookies
(a) These Cookies are used in the administration of our Apps to:
(i) Enable us to improve the User experience by allowing us to personalise our content for you, greet you by name, remember your preferences (for example, your choice of language or region) and the types of information you are interested in receiving when they visit a particular location on the application (for example, if you select the "remember me on this mobile device" option);
(ii) Allow our online “ordering” systems to keep track of selections in an electronic “shopping cart” and to enable Users to keep browsing and adding to their "shopping cart" in between visits; and
(iii) Allow us to remember your details during your current visit, and any future visits when you register with us or complete our online forms, provided the Cookie was not deleted in the interim.
2.2.4 Targeting/ Advertising Cookies
(a) These Cookies record your visit to our Apps, the Apps Content and Service you have visited and the links you have followed. We will use this information to interpret or infer what is interesting to you, keep our Apps Content (as defined under our Privacy Policy) and the advertising displayed on it more relevant to your external sources.
2.2.5 Analytical/ Performance Cookies
(a) These Cookies allow us to gather statistical data for analysis to ensure proper functioning of our Apps (such as allowing us to identify errors or poor performance of the Apps), in terms of navigation and usability, as well as to evaluate the effectiveness of our marketing efforts. The information we collate includes but is not limited to:
(i) the Internet Service Provider’s domain name and country of origin;
(ii) the volume of traffic to our Apps;
(iii) the usage pattern of our Apps;
(iv) the addresses of Apps visited before and after coming to our Apps;
(v) referral page information to track the success of our marketing efforts to bring people to our Apps, track user responsiveness to various advertising campaigns and user activities;
(vi) “click stream" activity (meaning, the paths taken by visitors to our Apps as they navigate from page to page), how Users move around our Apps when they are using it and what is downloaded;
(vii) transactional attributes in accordance with information you voluntarily submit in the course of using our dan Apps; and
(viii) overall Apps performance.
3. Third party cookies
3.1 In addition to our own Cookies, we also work with other companies to place Cookies on our Apps to gather information for us. Trusted partners like Second Pay Financing Inc. operate the application of EZLoan group, Second Pay Financing Inc. operate tracking services, and Second Pay Financing Inc. operate advertising networks and web traffic analysis services. Such companies may not use these Cookies for their own internal purposes or share the information gathered with anyone other than EZLoan, in accordance with the terms of dan the contracts they have signed with us.
with information on your visit to our Apps so that they can present you with advertisements that you may be interested in. When you click on 'Like' buttons or 'Share' buttons for social networking services, such social networking sites may subsequently use information about your visit to target advertising to you on other websites. Such Cookies are anonymous and cannot identify individuals. We have no access to or control over these third party Cookies, and these third parties have their own cookie and privacy policy.
4. HOW TO DISABLE COOKIES?
4.1 You can decide if and how your Device will accept, restrict or block a Cookie by configuring your preferences or options accordingly through your application and web browser settings. It may also be possible to configure some Devices to inform you when a Cookie is being placed so that you have the opportunity to decide whether to accept the Cookie. Some applications or web tools (for example Flash Cookies) may allow you to restrict or block Cookies in a different manner or through a different process.
4.2 Your Device, application or web tool may or may not include any or all of the above functionality to allow you to manage Cookies. For more information on whether the functionality is available and how the functionality works, visit the help menu of your Device, application or web tools. The functionality on your Device, application or web tools may be managed through a different interface other than the one provided by your web browser.
4.3 If you are just browsing our Apps and not a registered User, you may still continue utilising the Apps without accepting our Cookies. However, restricting or blocking Cookies may affect the usability of the Apps. For example, you may not be allowed to watch videos or other content on the Apps.
4.4 If you use your browser settings to block or reject all Cookies, you may not be able to access all or parts of our Apps, and we may have no option but to stop offering the Apps Content, Service, Interactive Service, applications and tools to you as Cookies are essential for the administration and security of our Apps.
5. OPTING OUT
5.1 You may opt out of any Personal Data collection using other technologies as set out below:
(a) To opt-out of analysis by Google Analytics on our Apps and other websites, please visit http://tools.google.com/dlpage/gaoptout.
(b) To opt-out of personalized ad delivery on the Google content network, please visit Google’s Ads Preferences Manager or if you wish to opt-out permanently even when all cookies are deleted from your browser you can install their plugin here.
We may from time to time modify, vary, amend or replace this Cookie Policy with notification on the modification, variation, amendment or replacement including the commencement date and time of the modification, variation, amendment or replacement. We will notify you of any changes to the Cookie Policy by publishing the updated Cookie Policy on our Apps. Please check the Apps or send your request by email to us if you would like to receive the latest updated Cookie Policy. This Privacy and Cookie Policy published on 2024.03.18