Privacy Policy

Polaris Cash (hereinafter referred to as "this App" or "we") aims to provide users with services for the assessment and management of revolving credit limits. When you use the features of this App, we may collect and process certain necessary information in accordance with applicable laws and regulations for purposes such as user identity verification, credit risk assessment, credit limit calculation, account security protection, and system risk identification. Additionally, this App provides services related to credit limits, including but not limited to credit limit applications, limit management, product information display, and (where applicable) inquiries regarding withdrawal and repayment records.

This Privacy Policy explains the types of information we may collect when you use this App and related services, how we use that information, how we share or disclose it, how long we retain it, and the measures we take to protect data security. This policy also describes your rights regarding your personal information, such as the right to access, correct, or delete your information and to withdraw your consent.

Specific Information We Collect

1. Personal Identity Information

When you apply for credit limit assessment services on our platform, we collect your name, gender, date of birth, government-issued identification documents, employment details, and other relevant information to complete identity verification and credit assessment. This information is used solely for credit limit assessment, account security, and compliance risk control.

2. Camera Permissions

When you undergo identity verification or biometric authentication, we request camera permissions to take photos of your government-issued identification documents. The resulting images are used solely for credit limit assessment and security verification.

3. List of Installed Apps

When you use relevant service features and provide your explicit authorization, we collect information about installed apps (including app names, package names, installation times, and update times). We do not collect specific usage records or content within the apps. This information is used solely for risk identification and security analysis—checking for abnormal device environments (such as emulators, rooted status, hijacking tools, or fraudulent apps), preventing fraud and malicious activities, and supporting our risk models.

4. Device Information

To ensure the stable and secure operation of the application, we collect device information, including device model, operating system version, IP address, network type, carrier information, and hardware manufacturer. This information is primarily used for technical adaptation, troubleshooting, and security protection.

5. SMS Information

Subject to your explicit consent, we collect SMS messages related to financial transactions (e.g., bank deposit notifications, credit card statements, loan repayment reminders, or installment payment alerts); we do not read or process personal SMS messages unrelated to finance. This data helps us assess your creditworthiness and financial capacity to calculate accurate credit limits and prevent transaction fraud. All collected SMS data is encrypted and transmitted to our secure server (https://app.polariscash.net); The SMS data retrieved during the evaluation is automatically expunged from our active systems within 7 days after the credit decision is rendered, without requiring any separate action on your part, and no archival copy is preserved beyond that window. You may withdraw this consent at any time via your device settings or application preferences.

6. Location Information

We collect approximate location information to provide localized content, verify service availability, conduct technical analysis, and optimize system security. We do not track your precise, continuous location.

Purposes of Information Collection

We collect necessary information, within the scope permitted by law, for the following specific purposes:

Identity Verification – Confirming your true identity during registration and credit assessment to meet KYC (Know Your Customer) requirements mandated by laws and regulations.

Service Provision and Maintenance – Supporting core operations, including credit limit calculation, withdrawal processing, and transaction management.

Risk Identification and Security Protection – Detecting abnormal behavior to prevent fraud, unauthorized access, and malicious attacks.

Product Optimization and Experience Enhancement – Analyzing aggregated user issues to improve performance and user interface usability.

Customer Support – Resolving operational issues and answering inquiries submitted through our support channels.

Legal Compliance – Fulfilling obligations mandated by financial regulatory standards and anti-money laundering regulations.

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User Rights

You have full control over your personal information:

Right to Information – You can clearly understand how your data is processed as described in this policy.

Right to Access and Correction – You can view your profile information within the app and request the correction of incomplete or inaccurate data.

Right to Deletion – You can request the deletion of your account and personal data, subject to statutory retention periods required by financial regulations.

Right to Withdraw Authorization – You can revoke previously granted permissions (e.g., camera, location, SMS) via device settings or the app's permission menu.

Right to Security – We protect your data using modern encryption standards and organizational control measures.

Data Retention

We retain your personal information only for the duration necessary to fulfill the operational purposes described in this policy or to comply with applicable laws and regulations. To meet strict financial, tax, and legal audit requirements, certain account and transaction logs may be retained for periods mandated by law. Upon the expiration of these statutory retention periods, all relevant data will be permanently deleted, thoroughly anonymized, or rendered permanently inaccessible through secure storage controls.

Data Security

We implement the following measures to protect user data security:

Dedicated Encrypted Transmission and Storage: All user data is encrypted using secure protocols (SSL/TLS) during transmission and stored on secure servers equipped with robust end-to-end encryption algorithms.

Data Minimization: We store only the data necessary for risk modeling, identity verification, and financial regulatory compliance.

Geographic and Regulatory Compliance: All core user data is processed and stored on server nodes that comply with local data protection regulations.

Security Controls: We implement multi-layered access restrictions, continuous system monitoring, and regular security audits to prevent unauthorized data access or breaches.

Account and Data Deletion

Polaris Cash respects your right to delete your account and personal data. You may submit a deletion request via email:

Official Email: help@polariscash.net

Processing Outcome: Upon verification of your identity, your account and associated data (identity records, credit assessment documents, image verification information, device parameters) will be permanently deleted or anonymized, except for data that must be retained under specific financial and legal regulations.

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Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect business adjustments, system updates, or changes in laws and regulations. We will notify you of any updates via in-app announcements or links to the policy within the application. Your continued use of Polaris Cash following policy revisions constitutes your acknowledgment and acceptance of the updated terms.

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Contact Us

If you have any questions, feedback, or concerns regarding this Privacy Policy or the security of your personal data, please contact our privacy compliance team:

Official Contact Email: help@polariscash.net

Service Hours: Monday to Friday, 9:00 AM – 6:00 PM