Privacy Policy - ZoonMoney

Thank you for choosing ZoonMoney. We are committed to protecting your privacy and ensuring that your personal information is collected, processed, and managed securely and transparently. This policy explains how we handle your data when you use our mobile application.

By accessing or using ZoonMoney, you agree to the practices described below. If you do not agree, please discontinue using the app.

1. Information We Collect

We collect certain categories of information required to deliver compliant, efficient, and responsible financial services. All data collection is performed with your explicit consent and used solely for the stated purposes.

Financial SMS Access

We access SMS messages related to your financial activities, such as salary credits, revolving credit repayments, EMI notifications, and account transactions, to evaluate your financial stability and repayment behavior.

Only messages from the past six months are reviewed. All collected SMS data is securely transmitted to https://api.zoonmoney.net and permanently deleted after credit evaluation. Personal or unrelated conversations are never accessed.

Installed Applications

We collect installed applications on your device. This includes all app package names, versions, and categories. The purpose is to identify financial or credit-related applications, analyze financial patterns, and ensure credit assessment accuracy.

This data is securely processed via https://api.zoonmoney.net and deleted once analysis is complete. No app usage data or personal activity logs are collected.

Calendar Access

We request access to your device's calendar to help manage repayment reminders, due dates, and revolving credit-related schedules. This access helps you receive timely notifications to prevent missed repayments or penalties.

Calendar entries are securely uploaded to https://api.zoonmoney.net for risk evaluation and automatically deleted once processing is complete. You can revoke this permission at any time in your device settings.

Camera Usage

Camera access may be requested to capture ID documents or selfies for KYC (Know Your Customer) verification. All images are securely uploaded to https://api.zoonmoney.net and deleted immediately after verification is complete.

Device Details

We collect technical information such as IMEI, model, OS version, and advertising ID to detect fraud, ensure system compatibility, and maintain app integrity. This data is processed through https://api.zoonmoney.net and erased after use.

Personal Profile Data

We collect basic identification and contact information, including your name, address, contact number, occupation, and income details, to assess your eligibility for a revolving credit limit. All personal data is securely processed and permanently deleted after use at https://api.zoonmoney.net.

Location (Approximate)

Approximate location may be used to confirm eligibility, detect fraudulent activities, and meet compliance requirements. GPS-level precision is not collected, and you may disable this access in your settings. Data is deleted after processing.

Call Log Permission Usage

We access call logs only to detect voice calls used for OTP (one-time password) verification. This helps the app auto-fill voice OTPs securely. Data is uploaded to https://api.zoonmoney.net and deleted after verification. We do not access call content or unrelated records.

Operation Behavior Data

We collect information on user actions such as clicks, time spent on pages, and interaction flows. This helps optimize user experience and app performance. Data is securely stored on https://api.zoonmoney.net and deleted after analysis.

2. Purpose of Data Usage

Your information is used only for legitimate business and compliance purposes:

• To verify your identity and KYC documentation
• To assess creditworthiness and eligibility for a revolving credit limit
• To prevent fraudulent activities
• To facilitate revolving credit withdrawals, disbursement, and repayment
• To manage the restoration of repaid amounts to the available credit limit
• To comply with applicable financial regulations
• To provide customer support and resolve technical issues

We do not use your data for advertising or unrelated activities.

3. Data Protection Measures

We maintain strict security and compliance measures:

• End-to-end data encryption in storage and transmission
• Access control within our systems
• Secure servers with routine audits
• Automatic deletion upon completion of processing

4. Data Sharing Policy

Your data is never sold or commercially shared. It may be shared only in limited, regulated cases:

• With authorized credit, verification, or compliance partners
• With technical providers for fraud prevention or maintenance
• With regulatory authorities, as required by law

All data sharing is strictly governed by confidentiality and encryption.

5. Age and Eligibility

ZoonMoney is intended for users between 20 and 58 years old. If data from a minor is identified, it will be deleted promptly. Parents or guardians may request removal by contacting us.

6. Your Rights and Controls

You have the right to:

• Access or correct your data
• Revoke permissions at any time through device settings
• Request full deletion of your data and account

To request deletion, please email info@shiralefinancial.com. After identity verification, your request will be processed within 7 working days.

7. Retention of Information

Your data is retained only for:

• Completing the credit evaluation and revolving credit repayment lifecycle
• Fulfilling legal or audit obligations
• Preventing fraud and maintaining compliance

Once these purposes are achieved, data is permanently deleted from all systems.

8. Policy Updates

This Privacy Policy may be revised periodically to reflect service updates or regulatory changes. Updated versions will be posted within the app. Continued use signifies your acceptance of such revisions.

9. Contact Us

For privacy-related queries or concerns, please contact our support team:
Email: info@shiralefinancial.com