By using the GoldCash mobile application ("App") and the services provided through it (collectively, the "Platform"), you consent to be governed by the terms and conditions outlined in this Privacy Policy ("Services"). By accessing the Platform or any part of it, you explicitly agree to the collection, use, and disclosure of your personal information by GoldCash ("we", "our", "us", or "S&P Business Solution") as described in this Privacy Policy.

The Platform’s Terms of Use are incorporated into and governed by this Privacy Policy. This Privacy Policy applies to all customers, users of the services, and visitors to the Platform, collectively referred to as service users ("user", "you", or "your"). If you do not agree with the terms outlined here, please refrain from using or accessing the Platform or any part of it.

INTRODUCTION
The GoldCash Application (the "App" or "Platform") enables you to submit an application for a short-term loan (the "Loan"), which may be approved by us or by various non-banking financial institutions or banks (collectively, the "Lender" or "Lenders") under the loan agreement signed between you and the Lender. In order to facilitate the Loan process, we are authorized to collect, store, authenticate, verify, and share your Personal Information (as defined below) as needed for loan approval.

The Personal Information is collected through the mobile application form during your loan application process. As we prioritize the protection of your privacy, this Privacy Policy was created to explain how we collect, use, and disclose your Personal Information. We encourage you to carefully review this Privacy Policy to fully understand our practices concerning the handling of your Personal Information.

PERSONAL INFORMATION COLLECTED
When you register for the Service, we will collect your telephone number and may also collect your name, age, email address or other contact information. With this information, we may verify your identity through third parties, including the individual you have designated as your emergency contact. Additionally, we will collect data from your device to support our credit scoring system. This data includes details about your device, such as the make and model, operating system, and installed software applications. The intellectual property of the credit scoring system belongs to us, and we reserve the right to use or allow our business partners and joint marketing arrangement partners to utilize this system.

Furthermore, we may collect your email, phone contacts, and information related to device activity, such as SMS logs and GPS location data. To supplement this, we may also gather information from third-party sources, such as credit bureaus and other financial institutions. By registering for the Service, you consent to the collection and processing of the aforementioned data.

The collection of SMS and contact information from your device is further explained below.

SOCIAL ACCOUNT INFORMATION
We collect information from your social account when you sign in to uniquely identify you. This helps us ensure that no unauthorized entity or individual is acting on your behalf. The social account information will be securely uploaded to https://www.goldcashmm.top/. If you do not consent to this, we will not proceed with the upload, but please note that the application may not be able to provide its full range of services without this data.

 

PHONE NUMBER
To uniquely identify you, we collect your phone number when you sign in. This helps us verify that no unauthorized device or individual is acting on your behalf. Your phone number will be securely uploaded to https://www.goldcashmm.top/.

SMS
Our app collects and tracks your SMS data to enhance your financial profile, assist in conducting credit risk assessments, and accurately determine your risk profile. This allows us to provide you with an appropriate credit analysis and ensure you can access the credit you need. Additionally, gathering this information helps secure your loan application and ensures you receive the correct loan amount.

To proceed with your application, we require your consent to collect and upload your SMS information to https://www.goldcashmm.top/. We are committed to using secure data transfer protocols to protect your information and encrypt all data.

Please feel free to use our service; however, if you do not agree to this, we will not collect your SMS data, and the application will not be able to provide its full functionality and will exit.

CALL LOG
Our app requires access to your call records, including phone numbers, names, and call times, to verify that you are using the app in a legitimate environment and not through a simulator. This helps us ensure account security and prevent fraud.

Before submitting your application, we need your authorization to collect and upload your call log information to https://www.goldcashmm.top/. We are dedicated to using secure data transfer protocols to encrypt and safeguard your information.

Please feel confident in using our app; however, if you do not provide consent, we will not proceed with this operation, and the application will be unable to provide full services and will exit.

CALENDAR INFORMATION
We require access to your calendar information to enable you to set up loan due date reminders within the app. This feature helps ensure you are reminded to repay your loan on time.

The calendar information will be securely uploaded to https://www.goldcashmm.top/ and will be deleted once your risk profile has been assessed.

COLLECTION OF PHOTOS AND VIDEOS
In compliance with local legal requirements, we are required to collect and process personal identification information, including photos and videos, as part of our Know Your Customer (KYC) procedures. This enables us to verify user identities, ensure transaction security, and prevent fraudulent activities. All collected data will be treated with strict confidentiality and stored securely, accessible only by authorized personnel.

We are fully committed to protecting the privacy of our users and will process all personal data in accordance with applicable privacy laws and regulations. The photos and videos will be securely uploaded to https://www.goldcashmm.top/.

COLLECTION OF CONTACT LIST
To improve our services and ensure user safety, our application requires access to your contact list. This access enables the automatic filling of emergency contact information and assists in identifying reliable references. The more trustworthy the references, the lower the associated risk with the user.

Rest assured, we will only upload emergency contact information to https://www.goldcashmm.top/, and we are committed to strictly protecting your privacy.

INSTALLED APPLICATIONS
In order to evaluate your creditworthiness and enhance your profile with pre-approved customized loan offers, we compile a list of the installed applications metadata information, which includes the application name, package name, installed time, updated time, version name, and version code of each installed application on your device.

MOBILE PHONE
We may collect specific information about your device including your device name, model, region and language settings, device identification code, device hardware, and software information, status, usage habits to uniquely identify the device and ensure that unauthorized devices are not to act on your behalf to prevent frauds.

GOVERNING STATUTE
This Privacy Policy is construed and governed by the laws of the Republic of Myanmar.

COOKIES
We may set cookies to track your use of the Platform. Cookies are small encrypted files, that a site or its service provider transfers to your device’s hard drive that enables the sites or service provider’s systems to recognize your device and capture and remember certain information. By using the Application, you signify your consent to our use of cookies.

DISCLOSURES
We do not sell, rent, lease your Personal Information to anybody and will never do so. Keeping this in mind, we may disclose your Personal Information in the following cases:

Administrators
We shall provide access to your Personal information to our authorized administrative(s) for internal business purposes, who shall be under confidentiality obligations towards the same.

Affiliates
We may provide Personal Information we collect to our affiliates. For example, we may disclose Personal Information to our affiliates in order to respond to your requests for information or the Services, or to help limit your receipt of marketing materials you have requested not to receive.

Business Partners
We may engage certain trusted third-party companies and individuals to assist in providing, analyzing, and improving our Services. This includes, but is not limited to, services such as data storage, maintenance, database management, credit bureaus, rating agencies, web analytics, payment processing, and enhancing the Platform’s features. These third parties may have access to your information solely for the purpose of performing these tasks on our behalf and are bound by obligations consistent with those outlined in this Privacy Policy.

We may also disclose your Personal Information to partners who perform business functions or hosting services on our behalf, including those located outside Myanmar.

Service Providers
We may share your Personal Information with the service providers, including LENDER, who are working with us in connection with the operation of the Services or the Platform, so long as such service providers are subject to confidentiality restrictions consistent with this Privacy Policy.

Joint Marketing Arrangements
Any joint marketers with whom we have a marketing agreement, including but not limited to other financial platforms, third-party credit platforms, relevant partners on analytics, information search, or big data, collecting companies, anti-fraud companies, law firms, etc., may receive your Personal Information, as permitted by law. We would require all such joint marketers to enter into formal agreements with us that detail the proper use of your personal information, obligate them to protect your personal information, and forbid them from using your personal information for any unauthorized or illegal purposes.

Persons Who Acquire Our Assets or Business
If we sell or transfer any of our business or assets, certain Personal Information may be a part of that sale or transfer. In the event of such a sale or transfer, we will notify you.

Legal and Regulatory Authorities
We may be required to disclose your Personal Information due to legal or regulatory requirements. In such instances, we reserve the right to disclose your Personal Information as required in order to comply with our legal obligations, including but not limited to complying with court orders, warrants, or discovery requests. We may also disclose your Personal Information(a) to law enforcement officers or others; (b) to Credit Information Companies; (c) to comply with a judicial proceeding, court order, or legal process served on us or the Platform; (d) to enforce or apply this Privacy Policy or the Terms of Service or our other policies or Agreements; (e) for an insolvency proceeding involving all or part of the business or asset to which the information pertains; (f) respond to claims that any Personal Information violates the rights of third-parties; (g) or protect the rights, property, or personal safety of us, or the general public. You agree and acknowledge that we may not inform you prior to or after disclosures made according to this section.

Notwithstanding anything mentioned hereinabove, we shall not be responsible for the actions or omissions of the service providers or parties with whom the Personal Information is shared, nor shall we be responsible and/or liable for any additional information you may choose to provide directly to any service provider or any third party.

DATA RETENTION
We will retain your personal information on file for as long as your registration with us is current and any outstanding balance(s) is(are) due and payable to LENDER. We may also retain and use your personal information as needed to comply with legal obligations, resolve disputes, and honor agreements. If you submit a legitimate written request in accordance with this section, we'll try to remove your personal data. Please be aware, however, that the deletion of Personal Information from our servers might take some time, and that backed-up copies might still exist after removal.

INTERNATIONAL DATA TRANSFER
Information that we collect may be stored, processed in, and transferred between any of the countries in which we operate, in order to enable us to use the information in accordance with this policy. Any such information transferred to other countries shall be in compliance with the laws of corresponding countries.

SECURITY
We value your Personal Information, and protect it on the Platform against loss, misuse or alteration by taking extensive security measures. In order to protect your Personal Information, we have implemented adequate technology including but not limited to cloud data saving and will update these measures as new technology becomes available, as appropriate. Although we provide appropriate firewalls and protections, we cannot warrant the security of any Personal Information transmitted as our systems are not hack proof. Data pilferage due to unauthorized hacking, virus attacks, technical issues is possible and we take no liabilities or responsibilities for it.

You are responsible for all actions that take place under your User Account. If you choose to share your User Account details and password or any Personal Information with third parties, you are solely responsible for the same. If you lose control of your User Account, you may lose substantial control over your Personal Information and may be subject to legally binding actions.

 

ACCESSING AND MODIFYING PERSONAL INFORMATION. In case you need to access, review, and/or make changes to the Personal Information, you shall have to login to your User Account and change the requisite details. You shall keep your Personal Information updated to help us better serve you.

COMMUNICATIONS FROM THE PLATFORMSpecial Offers and Updates
We may send you information on products, services, special deals, and a newsletter of ours. Out of respect for your privacy, we present you with the option of not receiving these types of communications. You may unsubscribe via the unsubscribe mechanism provided in each such communication or by emailing us at help@goldcashmm.top.

Service Announcements
On certain occasions or under law, we are required to send out Service or Platform related announcements. We respect your privacy, however you may not opt-out of these communications. These communications would not be promotional in nature.

Customer Service
We communicate with Customer(s) on a regular basis to provide requested services and in regards to issues relating to their User Account, we reply via email or phone, based on Customer(s) requirements and convenience

INDEMNIFICATION
You agree to indemnify us, our subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees and hold us harmless from and against any claims and demand, including reasonable attorneys fees, made by any third party arising out of or relating to: (i) Personal Information and contents that you submit or share through the Platform; (ii) your violation of this Privacy Policy, (iii) or your violation of rights of another Customer(s).

LIMITATIONS OF LIABILITY
You expressly understand and agree that we, including our directors, officers, employees, representatives or the service provider, shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if we have been advised of the possibility of such damages), resulting from; (a) use or the inability to avail the Services (b) unauthorized access to or alteration of your Personal Information (c) inability to use the Platform (d) failure or delay in providing the Services or access to the Platform (e) any performance or non-performance by us (f) any damages to or viruses that may infect your electronic devices or other property as the result of your access to the Platform or your downloading of any content from the Platform and (g) server failure or otherwise or in any way relating to the Services.

LINKS TO OTHER WEBSITES AND APPS
Our Service may contain links to other websites and Apps that are not operated by Us. If You click on a third-party link, You will be directed to that third party’s site. We will not control over and will not assume responsibility for the content, privacy policies or practices of any third-party sites or services.

CHANGES TO THIS POLICY
Without giving you prior notice, we may update this Privacy Policy. All users must abide by this privacy policy, which becomes operative upon publication. You are urged to review this privacy statement frequently so that you are aware of any updates. If you use the Services or access the Platform in the future, it will be assumed that you accept this privacy statement.

YOUR CONSENT
By using the Website/App and/ or by providing your information, you consent to the collection and use of the information you disclose on the Website in accordance with this Privacy Policy, including but not limited to Your consent for collecting, using, sharing and disclosing your information as per this privacy policy. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

CONTACT US
If you have any complaints or questions regarding this privacy statement, you can reach us via email at help@goldcashmm.top.

By clicking the "Agree" button, you confirm your agreement to comply with all applicable laws and regulations in your country. This Privacy Policy becomes enforceable from the date your account is opened.