Firefly Cash Privacy Policy
1. About This Policy This Privacy Policy explains how we collect, use, share, protect, and retain your personal information when you use the Firefly Cash app and credit line services, as well as how you can manage this information. We process relevant information only based on the services and features you use, and we will explain the purpose and request authorization when access to device permissions is required. Please read this policy carefully to understand our information processing practices. 2. What Information We Collect 2.1 Personal Information When you create an account or submit an application for a credit line, you may be required to provide your name, date of birth, contact details, marital status, employment information, banking information, and identity verification documents. We use this information to verify the account holder's identity, complete the application process, and maintain business records as required by law. 2.2 Device Information When using Firefly Cash, the app may collect technical information such as device model, operating system version, IP address, app version, and Google Advertising ID. This information helps us ensure the app is functioning correctly, troubleshoot issues, and identify unusual logins or other security risks. 2.3 Installed App Information To assist in identifying fraudulent applications and potential fraud risks, Firefly Cash may access the names, categories, and installation status of certain apps installed on your device and use this data—combined with other application information—to conduct security assessments. We do not access the content within these apps, nor do we read messages, passwords, transaction records, or browsing history. This information is used solely for the aforementioned security and anti-fraud purposes. 2.4 Camera Permission Firefly Cash uses camera permissions when you choose to photograph identity documents, submit verification photos, or upload other verification materials. The camera is activated only when you actively use the photo-taking function, and the images submitted are used to complete the relevant identity or data verification. 2.5 Location Permission With your authorization, the app may access your approximate location to determine service availability in your region and to assist in identifying account security or fraud risks. You can disable location permissions in your device settings. 2.6 SMS Permission With your authorization, the app may access SMS messages related to banking, payments, and other financial transactions. We use relevant information to assist in verifying financial activities, evaluating credit limit applications, and detecting suspicious activity. SMS data processed is transmitted via a secure connection to https://open.fireflycash.net. This permission is not used to monitor private conversations; SMS content unrelated to the aforementioned financial service purposes is not collected. SMS data extracted for assessment is purged from active systems after the credit decision is issued. 3. Information Sharing Firefly Cash does not sell personal information. To provide our services, entities such as identity verification agencies, technical service providers, and payment processors may need to process certain information directly related to their functions. We require these parties to use the information solely for agreed-upon purposes and to protect it accordingly. We will also cooperate to the extent necessary if required by law or upon the lawful request of competent authorities. 4. Information Security and Retention Periods Firefly Cash implements protective measures throughout the collection, transmission, use, and storage of information. We transmit data via secure connections and restrict access based on job responsibilities. Personnel or service providers handling information such as identity documents and credit limit records may only access such information to the extent necessary to perform their specific tasks. We regularly review our information security measures and improve our protection methods based on identified risks. In the event of unauthorized access or other security issues, we will promptly investigate and take measures to mitigate potential impact. We do not retain personal information indefinitely. Account information and transaction records are generally retained for the duration of the service; following account closure, certain data may still be retained to resolve disputes or fulfill legal and regulatory obligations. Retention periods vary depending on the type of information, its purpose, and applicable requirements. When information is no longer required for the aforementioned purposes and there is no further obligation to retain it, we will delete the relevant information or anonymize it so that you can no longer be identified. 5. Your Rights You may inquire about how Firefly Cash processes your personal information and exercise the following rights to the extent permitted by applicable law: Access and Retrieval: Request to know what information we hold about you and obtain a copy of such information. Correction: Request to modify or update your account information if you discover it is incorrect or outdated. Deletion: Request the deletion of your account or personal information that is no longer required for processing. For transaction or compliance records that must be retained by law, we will delete or anonymize them once the retention obligation expires. Withdrawing Consent: You may withdraw your consent for the processing of information based on that consent. You may also disable camera, location, or SMS permissions in your device settings; however, the corresponding functions may become unavailable as a result. Raising Questions or Complaints: If you believe that your personal information is being processed inappropriately, you may contact us to explain the situation. Please send an email to help@fireflycash.net to submit a request. To prevent unauthorized access to or modification of your data, we may verify your identity before responding and will reply within the timeframes prescribed by applicable law. 6. Information Regarding Minors Firefly Cash's credit services are intended solely for users aged 18 or older. During the application process, we may verify your age using identity documentation. If we discover that an account has been registered by a minor or receive personal information provided by a minor, we will take steps to cease providing the relevant services and delete any information that is not required by law to be retained. If you believe a minor has submitted information to us, please notify us at help@fireflycash.net so that we may investigate. 7. Updates to This Policy We may revise this policy as Firefly Cash's features, information processing practices, or applicable requirements change. The updated policy will be published within the app or on relevant pages, and the effective date will be updated. If revisions involve significant changes to the scope of information collection, purposes of use, or methods of sharing, we will notify you via in-app notifications or other available means where appropriate. For processing activities that require renewed consent under the law, we will obtain such consent before proceeding. We encourage you to review this policy periodically to stay informed about our current information processing practices. 8. Contact Us If you have any questions regarding this Privacy Policy, our personal information processing practices, or your account data, or if you wish to submit a request or complaint, please contact Firefly Cash via our official email address: Email: help@fireflycash.net Please briefly describe your issue in the email and provide the necessary information to help us verify your account. Please do not send passwords or verification codes via email.