Mío, Soluciones Empresariales, S.A. de C.V., SOFOM, E.N.R. is a professional financial service institution dedicated to offering reliable personal loan solutions. This platform MudraFast Cash-Personal Loan is fully operated and managed by our company. This Privacy Policy outlines the data protection standards and personal information processing rules adopted by MudraFast Cash-Personal Loan, aiming to fully protect the personal data of all users who access and use our platform services.
This Privacy Policy sets out the official data processing rules of MudraFast Cash-Personal Loan, applicable to all platform users, including potential borrowers, lenders and ordinary visitors. Formulated in strict accordance with Indian national laws and regulatory provisions, this document regulates the internal operation and user data management practices of our company, affiliates and authorized third-party cooperative partners, covering all types of user personal data and sensitive personal information.
In this policy, “Personal Data” refers to all physical or digital information that can directly identify an individual, or can be used to confirm a user’s unique identity when combined with other auxiliary data. Users may actively provide personal data to our platform, and our company, authorized successors and affiliated institutions will collect, use and disclose such data strictly in accordance with the terms of this policy.
This Privacy Policy governs all processing activities related to user names and other personal information. We only collect data that is necessary and closely related to our service cooperation with users. User personal data will only be stored and retained within the period stipulated by applicable laws or required to achieve the original service purpose of data collection.
This policy is only applicable to information collected through our official website and mobile application platform. We are not responsible for the service behaviors, content rules and data processing practices of any external third-party platforms. The external website links displayed on our platform do not represent any official cooperation, sponsorship, certification or affiliation with third-party brands and institutions.
By logging in, browsing and using all services of the MudraFast Cash-Personal Loan platform, you fully recognize and agree to the data processing rules stipulated in this Privacy Policy. If you do not accept any terms of this policy, please stop using our platform services immediately.
All user information collection behaviors are carried out to optimize and upgrade our service quality, and we will never collect any user personal data without obtaining your explicit prior authorization.
1.1 User-Provided Information for KYC Verification
During platform registration and identity authentication, we collect the following information to complete mandatory KYC identity verification and ensure standardized service provision: (1) Full legal name; (2) Email address; (3) Residential address; (4) Phone Number; (5) Guarantor and joint borrower information; (6) Employment status and work-related information; (7) Monthly income data; (8) Date of birth; (9) Gender; (10) Official identity certificate information; (11) Personal bank account details for fund receipt and payment; (12) Biometric information including facial recognition data, which is only used for user identity confirmation and verification. To optimize the filling experience of registration and loan application forms, we may access your device clipboard with your consent to realize one-click content pasting.
1.2 Automatically Collected Device and Service Data
To deliver accurate, efficient and secure loan services, we will collect device permission data and service usage information generated during your use of the platform, including eight core types of information: Phone Number, SMS, GPS, Emergency Contacts, Image, App List, App Usage and Device Information. All data collection behaviors are based on user explicit authorization.
1.3 Specific Processing Purposes of Automatically Collected Data
1.3.1 GPS Information
Our application collects user GPS location data to realize personalized service matching and accurate risk control. By analyzing location information, we can effectively assess the authenticity of loan applications, prevent platform fraud risks, and provide targeted service support for users. All collected GPS data is kept strictly confidential, only used for the service purposes specified in this policy, and will not be provided to any unauthorized third parties.
1.3.2 SMS Information
We obtain user SMS content to support efficient loan service verification. We only screen and collect financial transaction-related SMS records, including verification codes and transaction confirmation information issued by MudraFast Cash-Personal Loan and official cooperative payment institutions, which are used to verify the authenticity of user-initiated financial operations. All SMS data is transmitted to secure servers through encrypted channels, and collection and processing are only carried out with user consent.
1.3.3 App List
The collection of your device’s App List is mainly applied to credit risk evaluation and anti-fraud management. By analyzing the application software installed on your device, we can comprehensively judge user credit status, identify potential fraudulent behaviors and high-risk operation modes, so as to protect user account and fund security, and comply with industry regulatory requirements.
1.3.4 Device Information
We collect Device Information including device model, system version and unique device identification code to build a complete risk prevention system. This data helps us identify abnormal device operating environments, block unauthorized account access and fraudulent operations. We only collect essential device attribute data through full encryption, and will not obtain any irrelevant private information on your device.
1.3.5 App Usage
With your voluntary authorization, we will record and analyze your App Usage data. The core purposes include optimizing user service experience, maintaining account transaction security, preventing credit risks and fraud behaviors, complying with regulatory requirements, troubleshooting platform technical faults, and building professional anti-fraud and risk assessment models. All data is transmitted and stored with industry-standard encryption, and will not be used for unapproved purposes or shared with external third parties without additional user authorization.
1.3.6 Phone Number
We collect user Phone Number to complete account registration, user identity binding, service notification delivery and real-name verification. This information is also used for subsequent loan progress reminder, repayment notice and customer service communication, ensuring smooth interaction between users and the platform.
1.3.7 Emergency Contacts
We only collect 2 Emergency Contacts from your device address book, without accessing your full contact list. The collected emergency contact information is used for emergency contact confirmation and loan risk auxiliary verification, and is strictly kept confidential by the platform.
1.3.8 Image
We collect Image data uploaded or captured by users, which is mainly used for identity authentication, KYC information verification and loan application material review. All Image data is processed confidentially and only used for platform service compliance verification.
2.1 Truthfulness and Completeness of Submitted Information
Users shall bear full responsibility for the authenticity, accuracy and completeness of all personal data submitted to the platform. You need to update your personal information in a timely manner when changes occur, and actively cooperate with the platform to verify information authenticity. Our company reserves the right to request users to provide supporting certification materials for information verification.
2.2 Voluntary Principle of Information Provision
All personal data collected by the platform is actively submitted by users voluntarily. If you refuse to provide necessary personal information or withdraw the authorization of data processing, we may not be able to provide you with partial or all loan-related services, and will not bear the corresponding service interruption liability.
Users have the right to supervise the disclosure of their personal information. Our platform will only disclose user data in the following legally compliant scenarios, and the disclosure scope will not exceed the authorization scope confirmed by users:
- Internal authorized access: Disclose information to our official employees, agents, parent companies, subsidiaries and affiliated institutions for internal service operation and risk control;
- User authorized disclosure: Disclose data to third parties with the user’s explicit written or recorded consent to complete loan application and related service procedures;
- Credit institution disclosure: Provide necessary data to official credit investigation institutions and credit rating agencies for credit assessment;
- Legal mandatory disclosure: Disclose user information in response to valid court judgments, regulatory orders and official government department requirements.
To ensure the smooth progress of loan business, we may share user information with professional service institutions cooperating with the platform, including fund providers, payment service providers, post-loan management agencies, information verification platforms and customer service teams. Meanwhile, we may disclose necessary data to collection institutions, legal consultants and risk control partners to safeguard platform legitimate rights and interests and prevent loan default risks.
All user personal data processed by the platform will only be used for the following legitimate business and compliance purposes:
a) Verify user identity authenticity and complete real-name authentication of platform accounts;
b) Contact users to reply to service consultation, push account dynamics and complete service interaction;
c) Complete account registration review, loan application auditing, user qualification screening and other core business operations;
d) Manage the whole lifecycle of loan business, including application acceptance, risk review, fund disbursement, repayment tracking and overdue management;
e) Sort out and archive business data to ensure internal financial and business record compliance;
f) Carry out data analysis and user portrait construction, identify fraudulent behaviors and credit risks, resolve user disputes and abnormal transaction problems;
g) Carry out legal product promotion and market promotion through SMS, email, phone calls and other channels, and push financial product updates and platform activity information;
h) Iterate and optimize platform risk assessment rules and predictive analysis models;
i) Generate user credit scores, build personalized risk evaluation systems and support accurate credit assessment;
j) Cooperate with credit insurance and guarantee business, complete credit investigation analysis and loan collection work;
k) Verify user location information to assist risk control and service scenario matching;
l) Maintain, upgrade and optimize platform functions, and launch preferential activities and user reward programs;
m) Respond to user feedback, complaints and service demands in a timely manner;
n) Cooperate with corporate asset restructuring, merger and acquisition and other business asset transactions;
o) Support platform fund financing, credit cooperation and asset guarantee related business development;
p) Maintain daily communication with users through various official channels;
q) Submit compliant data information to government regulatory departments and professional research institutions;
r) Provide legal consultation and dispute resolution support for platform business operations;
s) Complete other administrative operation and legal compliance obligations required by national laws and regulations.
5.1 In the facial recognition authentication link, users need to complete real-time facial shooting verification. The collected biometric data is only used to confirm the identity of loan applicants, prevent identity impersonation and fraudulent loan applications, and protect the legitimate rights and interests of users and the platform.
5.2 All facial biometric data will be uploaded to our secure server: https://api.mocamocatech.com. The data retention period lasts until the user fully repays the loan and all related fees, or complies with the statutory data retention period required by local laws.
5.3 We will not disclose user facial biometric data to any third parties, except for the following special circumstances: a) Provide biometric data as valid evidence in loan-related dispute arbitration and litigation; b) Disclose data in accordance with official court orders and regulatory mandatory requirements, and the obtained institutions will only retain the data within the legal validity period.
Our platform attaches great importance to user personal data security, and has built a comprehensive system covering technical, organizational and physical security protection measures to prevent unauthorized access, disclosure, tampering and loss of user data.
We adopt industry-standard encryption technology and risk prevention mechanisms to protect user information security. Although we have established a closed and secure operating environment for platform data, we cannot absolutely guarantee that data transmission and storage processes are completely risk-free. Meanwhile, we are not responsible for the security loopholes of third-party cooperative institutions’ independent systems.
Users shall promptly update personal information changes in writing within 14 working days, and actively respond to reasonable information verification requests from the platform.
7.1 If users fail to provide required personal data as required, withdraw data processing authorization without reasonable cause, or the platform suspects that users have financial crime and credit risk problems:
7.2 The platform has the right to take the following measures:
7.2.1 Suspend or terminate part or all of the platform services for users, and terminate the service cooperation relationship when necessary;
7.2.2 Take necessary measures to meet national regulatory compliance and risk control requirements;
7.2.3 Suspend, transfer or close user accounts in accordance with local legal provisions.
Users enjoy independent data management rights for personal information on the platform, and the specific rights are as follows:
a) Right of access: Users can apply to inquire about their personal data stored on the platform;
b) Right of revocation and deletion: Users can revoke data processing authorization and apply to modify or delete personal information, except for data that must be retained in accordance with legal provisions;
c) Right of non-retroactivity: The revocation or modification of data authorization will not affect the legality of previous data processing behaviors.
Users need to submit written applications via the official email: support@mudrafastcash.com to exercise the above rights. The platform will complete the review and reply within the specified time after receiving the valid application.
We reserve the right to update and revise this Privacy Policy irregularly. The revised policy will be displayed on the platform homepage prominently and take effect immediately after publication. Users are advised to check the policy content regularly to keep abreast of the latest data processing rules.
If major revisions affect user data processing rights and interests, we will notify users through registered email or platform public announcements. All user authorizations for data processing will remain valid during the term of the user’s loan agreement and platform service cooperation.
If you have any questions, suggestions or complaints about account anomalies, transaction errors and personal data protection, please contact our customer service team through official channels. To facilitate efficient processing of your problem, please provide the following information: your registered name and phone number, specific occurrence time of abnormal problems, problem description and relevant reference codes.
Official Email: support@mudrafastcash.com