Privacy Policy

CreditLadder is an online credit line lending platform developed by E.K. JOY INTERNATIONAL COMPANY LIMITED (hereinafter referred to as "we"). We always prioritize user privacy and are committed to providing you with a safer and healthier service environment, ensuring that your personal information is properly managed and stored. We promise that we will never disclose your personal information to any third party without your explicit consent. By accepting this Privacy Policy, you indicate that you have fully understood and agreed to all the terms and conditions therein. The following are the main contents of this policy.

APP function introduction

CreditLadder's registration process is smooth and efficient. Users can easily complete credit applications and credit limit applications in just a few simple steps. The user interface is designed to be clean and intuitive, ensuring a clear and easy-to-understand workflow. For security, we employ advanced encryption technology and multi-factor authentication mechanisms to ensure user information security. Every login and transaction is strictly protected, providing users with a safe and convenient user experience.

The main information we collect

1. Personal information: including your name, ID card, bank card information, mobile phone number, birthday, home address and other key identity information, which will be used to assess credit and prevent fraud risks.

2. Financial information: We need to collect your payment information and transaction records and other financial data to prevent fraud.

3. Contact list information: When users use CreditLadder's credit application function, the contact information you select from the contact list will be collected, transmitted and stored during your use of the credit application service, including but not limited to the name and contact information of the contact, which is used to assess your social relationships and credit limit. The collected information will be securely uploaded to the https://lmeant.getcreditladder.com/.com security center for encrypted storage and will never be shared with third parties. CreditLadder will not obtain your contact permissions, but will obtain the contact information you select through the method recommended by Google.

4. Call log information: When users choose to use the voice verification code function, CreditLadderwill collect the necessary call log information, such as call duration and mobile phone number, after obtaining the user's explicit authorization, to verify the user's identity, thereby protecting the user's privacy and security. We only collect this information after obtaining the user's affirmative authorization, And only collect the user's call log information within one year，and will encrypt and upload the information to https://lmeant.getcreditladder.com/. We will never disclose it to any individual or third party without the user's permission.

5. List of installed applications: In order to prevent fraud and scams, we need to obtain information about the applications installed on your device. CreditLadderwill collect and upload a list of applications installed on your device (including application name, application installation time, application update time, etc.) to analyze your behavioral preferences and help evaluate your credit limit. Please rest assured that the APP will be strictly screened and only the list of installed applications required for risk control will be collected.CreditLadderwill upload this information to https://lmeant.getcreditladder.com/ for encryption and will never disclose it without the user's permission.

6. SMS Information: When you use the CreditLadder credit limit assessment feature, CreditLadder will collect, transmit, and store your phone's SMS data, including but not limited to SMS titles, content, and receipt times, with your explicit authorization. CreditLadder will use your SMS messages to help assess your credit limit and ensure the security of fund withdrawals. Rest assured, this application only collects SMS information related to your finances. The collected information will be encrypted and uploaded to https://lmeant.getcreditladder.com/ for user value assessment and anti-fraud analysis, and will never be shared with any third party.

7. Location information: CreditLadderneeds to obtain your fuzzy geographic location to evaluate the user's credit limit.

8. Social account information: We will collect your social account information, including email and mobile phone number. The purpose of collecting this information is to analyze your preferences and provide you with customized services.

9. Camera information: After you agree to the authorization, when you interact with the camera function in our application, we will receive your photos and facial data, which will be used for identity confirmation and credit application analysis.

10. Image information: When users use the customer service upload image function, CreditLadder will collect the images that users choose to upload, including image size, image format, etc., to ensure the integrity of the function. CreditLadder does not obtain the user's album, and all selected image data will be securely uploaded to https://lmeant.getcreditladder.com/.com for encrypted storage and will never be disclosed to third parties.

11.GAID: We will collect your Google Advertising Identifier (GAID) for advertising and user behavior analysis to provide you with a personalized advertising experience (please note that you can opt out of personalized advertising through settings). You have the right to reset or choose not to participate in personalized advertising. We promise not to use GAID in conjunction with any personally identifiable information, and all collected data will be used to improve service and advertising effectiveness.

12.Device information: In order to provide a better experience, we will collect some information related to your device, such as device model, IP address, browser type, operating system version, and network operator and manufacturer identification. This information helps us evaluate your device performance and compatibility and ensure that our application can run smoothly on your device.

The main purpose of collecting information

1. Enhance and improve services: To better understand user needs, optimize user experience, and provide personalized services. This may include analyzing user behavior, preferences, and usage patterns in order to improve products and services.

2. Account management: Verify user identity, maintain user account information, and ensure account security. This helps prevent unauthorized access and protect user personal information.

3. Customer service support: Handle user inquiries, complaints, and feedback, and provide better customer service. This helps to build good customer relationships and improve user satisfaction.

4. Data security protection: Detect and prevent fraud, abuse, or other illegal activities, and protect the interests of users. This helps maintain a safe and secure online environment and protect users' personal information from being leaked or abused.

We promise to use user information only when necessary, and take appropriate security measures to delete it when it is no longer needed. We will properly handle and preserve user information in accordance with the requirements of laws and regulations.

Third-party data sharing and privacy protection statement

At CreditLadder, your data security is our primary responsibility. We only collect necessary information for your loan application and service optimization, and strictly limit the scope of data sharing

1.The objects of our data sharing include:

Third-party service providers (such as integrated SDK);

Platform affiliates (such as subsidiaries, customer service teams, etc.).

2.Instructions for accessing third-party SDKs:

AppsFlyer (https://www.appsflyer.com/)

For optimizing advertising effects and conducting data analysis, we will collect and share device-related information.

3.Our commitment

Minimize sharing: Share data only in necessary scenarios directly related to the service.

Strict confidentiality: Never disclose personal information to unrelated third parties without your authorization.

Safety and compliance: Comply with laws and regulations, and take technical and management measures to ensure data security.

Data security

To ensure the security of users' personal data, we will take a number of measures, including:

1. Deploy secure servers and use data encryption technology to ensure the security of users when entering, sending or accessing personal information.

2. Maintain the security of personal data by limiting the scope of information acquisition, strengthening confidentiality obligations and review processes, complying with relevant laws and regulations, and applying a variety of security technologies.

3. We have implemented a number of security measures, but there are still potential risks in the process of data transmission on the Internet, so we cannot completely guarantee the absolute security of information submitted by users. We recommend that users take appropriate precautions to maintain the security of personal information, such as carefully managing login credentials, changing passwords regularly, and using secure network connections to access our platform.

How to use information

1. User registration and identity authentication: Users are required to enter basic personal information such as name, ID number, and mobile phone number. This information is the basis for confirming the user's identity and is convenient for subsequent inquiries and associations with other user data.

2. Face recognition or bank card verification: Through face recognition technology or requiring users to bind their own bank cards, further verify the user's true identity, ensure the authenticity and accuracy of registration information, and prevent identity fraud.

3. Establish a credit scoring model: Utilize the collected personal information data, combined with professional algorithms and models, such as logistic regression, decision trees, neural networks and other machine learning algorithms, to quantitatively evaluate the user's credit risk and give a credit limit or risk level.

Data Retention and Deletion

In CreditLadder, users can decide whether to retain or delete their personal information. We strictly respect and cooperate with users' deletion requests to ensure that data processing complies with relevant laws and regulations. The following is our data retention and deletion policy:

Data Retention Period

We will only retain your personal information for the time required to provide services and in accordance with the requirements of applicable laws and regulations. When the information is no longer needed or the retention period is reached, we will take security measures to delete or anonymize the data.

Data Storage Location

All collected user data will be stored in secure and protected servers to ensure the security and integrity of the data. We will not store your data in untrusted locations or facilities.

Data Backup and Recovery

To ensure data security, we perform regular backups. When unforeseen events occur, we will restore data from backups to ensure business continuity and data recoverability.

User Deletion Request

If users want to delete their personal information, they can do so through the data deletion function in the application. After identity verification, users can confirm the deletion of their accounts. Please note that once an account is deleted, it cannot be restored. To avoid property disputes caused by account deletion, please confirm that the account is no longer in use before proceeding.

Third-party data processing

If a third party processes your data, we will ensure that they follow the same data retention and deletion policies as we do. We will clearly define the third party's responsibilities in the contract to ensure the lawfulness and security of data processing.

We are committed to protecting your data privacy to the highest standards and provide a clear and transparent data processing policy.

Privacy Policy Change Reminder

If there are major changes to the privacy policy, we will promptly inform users through various channels, including publishing updated text, website notifications, or pop-ups in the app. Please review regularly to understand all changes:

1. Users agree to the revised privacy policy, whether by email or public release, and are deemed to have received notification.

2. Continued use of our services means that you accept all revised privacy policies.

3. We will update the privacy policy in a timely manner according to business needs and attach importance to protecting user rights.

We reserve the right to update the privacy policy at any time, and users can log in to the company website to view the latest version.

Contact CreditLadder

If you have any questions, please feel free to contact us!

Contact email: user@ekjoyintlco.com

Working hours: Monday to Saturday 9:00-18:00

Contact address: 50/7 Moo 2 BANG LAMUNG, CHON BURI, 20150 Thailand