RevoLine (hereinafter referred to as "the Application" or "we") is developed by GTICK ACCOUNTINGSOLUTIONS LLP. The Application aims to provide users with assessment and management services related to revolving credit lines. During the user's use of related functions, we may collect and process certain necessary information, subject to legal and regulatory requirements and compliance standards, for purposes such as user identity verification, credit risk assessment, credit limit calculation, account security protection, and system risk identification. Simultaneously, the Application also provides users with credit limit-related services, including but not limited to credit limit application, credit limit management, product information display, and, where applicable, withdrawal and repayment record inquiries.
This Privacy Policy primarily explains the types of information we may collect when you use the Application and related services, the specific ways in which this information is used, the potential sharing or disclosure of information, the information retention period, and the measures we take to protect data security. Furthermore, this policy will explain your rights regarding your personal information, such as accessing personal data, requesting correction or deletion of information, and withdrawing previous authorizations.
During information processing, we consistently adhere to the principles of legality, rationality, necessity, and data minimization, processing relevant information only to the extent necessary to achieve platform functions and service requirements. Simultaneously, we employ multi-layered technical measures and management mechanisms to ensure the security of information during collection, transmission, and storage.
I. Specific Information Collected
1. Personally Identifiable Information
When you register on this platform or apply for a credit limit assessment service, we will collect your name, gender, date of birth, ID document, contact information, bank card, email address, etc., to complete the identity verification and credit assessment process. This information is collected solely for credit limit assessment, account security, and compliance risk control.
2. Emergency Contact
During your credit limit assessment process, the RevoLine application needs to collect your actively selected and filled-in emergency contact information, including the contact's name, mobile phone number, and relationship to you. We will not automatically read or store your complete contact list data. This information will be encrypted and uploaded to a designated server https://ureaul.loopmarketingline.com/ for encrypted storage. We will only contact your emergency contact if you incur overdue payments and cannot be contacted by you.
3. Image Information (Optional, will not actively access user's photo album)
When using customer support services, if you need to upload images to more clearly express your problem, we will use Google's recommended method to collect basic attributes such as the image file, image format, and size you choose to upload. This information is only used for customer support coordination or credit assessment assistance processes and is stored encrypted on a designated server: https://ureaul.loopmarketingline.com/.
4. List of Installed Apps
When using this application, we will collect a list of apps installed on your device (including app name, installation time, update time, etc.) for risk identification and security analysis, checking abnormal device operating environments, preventing fraud and malicious operations, and assisting in the analysis and assessment of user credit limits. This information will not be used for ad delivery. We will upload this information to the security center at https://ureaul.loopmarketingline.com/ for encryption.
5. Call Log Information (for authentication only)
When you use voice verification code to complete registration or login, we will only obtain call log information related to the verification code with your explicit authorization. This includes the phone number, call type, and call duration. We will obtain call logs by excluding fixed-number calls to confirm the user's identity and ensure account security. This information will not be used for behavioral analysis or marketing purposes. The relevant data will be encrypted and stored on a designated server: https://ureaul.loopmarketingline.com/.
6. Social Media Account Information
To facilitate sending you system notifications, credit limit status reminders, and service-related information, we will collect information such as email addresses, mobile phone numbers, and WhatsApp accounts.
7. SMS Information (requires separate authorization)
When you use the credit limit assessment service, we will only obtain your explicit authorization and filter SMS messages related to financial transactions based on locally preset financial keyword rules. SMS messages include fields such as SMS title, SMS content, and sender's number. We will not read SMS content unrelated to the assessment purpose, nor will we use this information for marketing, harassment, or advertising purposes. The filtered data will be encrypted and stored on a designated server: https://ureaul.loopmarketingline.com/.
8. Device Information
To ensure stable application operation, we need to collect the following device information: device model, operating system version, IP address, network type, carrier information, and device manufacturer. This information is mainly used for technical adaptation, troubleshooting, and security protection.
9. Location Information (Non-Precise Positioning)
We will obtain your approximate location information for providing localized content and services, conducting technical analysis, and optimizing the system. We will not continuously locate you or perform precise trajectory tracking.
10. Camera Permissions
When you complete identity verification or biometric verification, we need to obtain camera permissions for taking photos of your ID documents and for liveness detection.
These images are only used for credit limit assessment and security verification.
11. Financial Information
RevoLine collects your financial information (such as bank account information) to support you in handling matters related to credit limit withdrawals, such as transferring funds to your bank card when withdrawing cash.
12. Cookie
To improve the efficiency of our application and official website and enhance user experience, we may store cookies on your device to remember your user preferences, simplify repetitive input, and improve security verification efficiency. You can manage and delete cookies through your device or browser settings. Disabling cookies may affect the normal operation of some functions.
13. Gaid
When you use RevoLine, we need to obtain gaid information primarily to provide you with a personalized advertising experience while also protecting your privacy.
II. Purpose of Information Collection
To provide users with stable, secure, and efficient services, this application will collect necessary information in compliance with laws, regulations, and relevant provisions. We collect and use relevant information primarily for the following purposes:
1. User Authentication
When users register accounts or apply for related services, we may need to collect necessary identity information to verify the authenticity of the user's identity and ensure account security.
2. Providing and Maintaining Application Services
The collected information will be used to support the normal operation of application functions, including account management, service provision, and the implementation of related functions, ensuring that users can smoothly use the various services of this application.
3. Risk Identification and Security Management
To ensure the security of the platform and users, we may use relevant information to identify potential risky behaviors or abnormal operations, thereby taking necessary security measures to prevent fraud or unauthorized access.
4. Optimizing Product Functionality and User Experience
By conducting statistical analysis of some usage data, we can understand user needs, thereby improving application functions, optimizing system performance, and enhancing the overall service experience.
5. Customer Service and Problem Handling
When users inquire about problems, submit feedback, or request assistance, we may use relevant information for problem investigation and communication to provide more effective customer support services.
6. Complying with Legal and Regulatory Requirements
Where laws, regulations, or regulatory requirements apply, we may need to use or retain certain information to fulfill legal obligations or cooperate with relevant regulatory and investigation work.
In all cases, we will process user information in accordance with the principles of legality, legitimacy, necessity, and minimization, and take reasonable technical and management measures to protect data security.
III. How Information is Used
The personal information we collect will only be used within a reasonable scope to achieve the functions of this application service and improve service quality, and will be processed strictly in accordance with the instructions in this Privacy Policy. Specific usage methods include, but are not limited to, the following:
1. Providing and Maintaining Application Services
We will use the information you provide to support the normal operation and functionality of the application, such as account registration and management, identity verification, credit limit assessment, credit limit management, and the normal provision of related services.
2. Credit Assessment and Risk Control
When you apply for or use related credit services, we may combine identity information, device information, and other necessary data for analysis to assist in credit risk identification, risk management, and credit limit assessment, thereby ensuring the overall security of the platform and users.
3. Ensuring Account and System Security
We may identify abnormal operations or potential risky behaviors through data such as device information, login records, and network environment information, and take corresponding measures to prevent fraudulent activities, unauthorized access, or other situations that may affect account security.
4. Improving Products and Optimizing User Experience
By statistically analyzing user usage, we can understand the usage of application functions, thereby continuously optimizing product functions, improving system stability, and enhancing the user interface and overall experience.
5. Customer Service and Problem Handling
When you contact us with questions, submit feedback, or seek assistance, we may use relevant information for problem investigation, customer support, and service communication to more effectively resolve your issues.
6. Compliance Requirements and Legal Obligations
Under legal or regulatory requirements, we may need to use or retain relevant information to fulfill legal obligations, cooperate with regulatory investigations, or handle related disputes.
IV. User Rights and Obligations
In using this application and related services, users enjoy corresponding rights while also complying with relevant regulations and fulfilling necessary obligations.
I. User Rights
1. Right to Know
Users have the right to understand the methods, purposes, and processing rules for collecting and using personal information by this application, and can obtain relevant information through this Privacy Policy or related instructions.
2. Right to Access and Correction
Users have the right to query and access the personal information they submit in this application, and to request correction or updates when they find the information to be inaccurate or incomplete.
3. Right to Deletion
Users may apply to delete their account information or related personal data, subject to compliance with laws, regulations, and platform rules. This application will process the deletion request according to relevant procedures after verifying the user's identity.
4. Right to Withdraw Authorization
Users have the right to withdraw authorized access permissions at any time through device settings or relevant in-app functions. However, withdrawal may affect the normal use of some functions.
5. Right to Account Security
Users have the right to request this application to take reasonable technical and management measures to protect their personal information security and prevent unauthorized access, disclosure, or misuse.
II. User Obligations
1. Providing Accurate Information
Users must provide accurate, complete, and truthful information when registering or using this application's services, and update relevant information promptly to ensure its validity.
2. Legal and Compliant Use of Services
Users must comply with relevant laws and regulations and platform rules when using this application and must not use this application to engage in any illegal or irregular activities.
3. Protecting Account Security
Users should properly safeguard their account information and login credentials and must not lend, transfer, or allow others to use their accounts. If any abnormal account situation is discovered, the platform should be notified immediately.
4. Complying with Platform Rules
Users must comply with the relevant rules and management systems published by this application when using the service and must not engage in any behavior that interferes with system operation, damages platform interests, or infringes on the legitimate rights and interests of others.
If a user violates relevant regulations, this application reserves the right to take appropriate measures based on the actual situation, including but not limited to restricting functions, suspending services, or terminating account usage.
V. App Function Introduction
RevoLine is a mobile application that provides users with credit limit assessment and management services. Through a simple and convenient operation process, users can submit relevant information within the application and obtain credit limit-related services and management functions. This application is committed to providing users with an efficient, secure, and convenient credit management experience. Main functions include, but are not limited to, the following:
1. Credit Limit Assessment
Users can submit necessary personal information and related materials within the application. The system will analyze and assess the comprehensive information to help users understand the range of credit limits they can apply for.
2. Credit Limit Application and Management
After obtaining a credit limit, users can view and manage their credit limit information within the application, including credit limit usage, available credit, and related records.
3. Fund Usage Record Inquiry
The application provides a clear record inquiry function, allowing users to view transaction records, usage, and historical operation records related to their credit limit at any time, facilitating personal fund management.
4. Account Information Management
Users can manage their personal account information within the app, including updating basic information, viewing account status, and maintaining account security settings.
5. Message Alerts and Notifications
The app will provide necessary system notifications and alerts based on user activity, such as credit limit status updates, system information prompts, and important service notifications.
6. Customer Support Services
If users encounter problems during use, they can obtain help and support through the customer service channels provided within the app to resolve related issues promptly.
VI. Developer Introduction
RevoLine is developed by GTICK ACCOUNTINGSOLUTIONS LLP. We are committed to providing users with a convenient and efficient mobile application experience through technological innovation and digital services. Our team has extensive experience in application development, data security, and product operation, and always adheres to a user-centric approach, continuously optimizing product features and service quality.
During product development and operation, we highly value user information security and privacy protection, strictly comply with relevant laws and regulations, establish a sound data protection and security management mechanism, and strive to create a safe and reliable application environment for users.
In the future, we will continue to improve our technological capabilities and service levels, constantly enhance the product experience, and provide users with more stable and high-quality services.
VII. How Information is Stored
1. Dedicated Encrypted Storage Deployment: All user data collected by the platform, including personal identification information, financial information, emergency contact information, image verification information, etc., is uploaded to the platform's dedicated server for centralized storage through a secure encrypted channel, eliminating the risk of leakage during data transmission. All stored data undergoes high-strength encryption algorithms for anonymization, ensuring that the original data cannot be illegally read.
2. Data Storage Minimization Principle: Only the necessary data required for core services such as credit assessment, credit limit management, and account security is stored. No irrelevant data is collected or stored. Temporary data exceeding service requirements is not stored.3. Standardized Data Management Process: A fully traceable database management system is established, with real-time log recording of data uploads, storage, access, and updates. All operations require multi-level access control verification to ensure controllable and verifiable data storage, preventing unauthorized data manipulation.
4. Local Compliance Storage Requirements: Strict adherence to Indian data storage regulations is maintained. Core user data is stored on server nodes that meet regulatory requirements, ensuring regional compliance and avoiding compliance risks associated with cross-border data transfer.
VIII. How to Protect Data Security
We highly value the security of user personal information and employ various technical and management measures to protect data security during collection, transmission, and storage to prevent unauthorized access, disclosure, alteration, or loss.
1. Data Encryption Protection
During information transmission, we use secure encryption technologies (such as SSL/TLS) to protect data, ensuring that user information is not illegally intercepted or altered during network transmission. Simultaneously, important data stored on servers is encrypted to enhance data security.
2. Strict Access Control
We have established a comprehensive access control mechanism, allowing only authorized personnel to access relevant information within the necessary scope. Access activities are recorded and managed to reduce the risk of data misuse or leakage.
3. System Security and Technical Protection
We protect our system through various security technologies, including security monitoring, vulnerability detection, and regular system maintenance and upgrades, to reduce potential security risks and ensure stable system operation.
4. Data Management and Security Training
We provide necessary security management and privacy protection training to personnel involved in data processing and have established internal management systems to ensure the security and compliance of personal information during processing.
5. Security Incident Handling Mechanism
In the event of situations that may affect data security, we will take timely and appropriate measures to handle the situation and implement necessary remedial measures in accordance with legal requirements to reduce potential risks.
Although we have taken reasonable and effective security measures to protect user information, the internet environment cannot guarantee absolute security. Users should also pay attention to protecting their personal account information and device security when using the service, and work together to maintain information security.
IX. Account and Data Deletion
RevoLine fully respects users' right to self-management of their personal accounts and data, strictly adheres to local financial data compliance requirements, and provides users with convenient, secure, and traceable channels for account and data deletion, ensuring users' rights to cancel and delete their own information.
We offer the following data deletion process:
1. Initiate an account information deletion request within the app: Users can submit a deletion request within the app, and we will delete all related data according to your request.
2. Contact us via email: Our customer service will assist you in completing the data deletion. Official email: support@gtickaccounting.com.
Note that after requesting deletion, the platform will permanently and thoroughly delete all associated data under the account, including but not limited to personally identifiable information, financial information, emergency contact information, image verification materials, call record verification information, device information, credit assessment related data, etc. No data backups or caches are retained after deletion, and the data cannot be recovered. After the account and data are deleted, all information corresponding to the account, such as credit limit assessment records, credit limit usage records, and service operation records, will be simultaneously cleared. The platform will no longer retain any identifiable data related to the account. If you wish to use RevoLine services again, you will need to re-register your account. Thank you for your understanding; we are committed to continuously improving service quality.
X. Future Expectations and Development
In the future, we will continue to dedicate ourselves to improving product functionality and service quality. Through continuous technological innovation and product optimization, we will provide users with a more convenient, efficient, and stable user experience. As technology develops and user needs change, we will also continuously improve application functions, enhance system performance, and continuously optimize the user interface and service processes.
At the same time, we will continue to strengthen data security and privacy protection measures, strictly abide by relevant laws and regulations, and ensure the security and compliance of user information during use and management. We hope to create a safer and more reliable application environment for users through continuous technological investment and service upgrades.
In the future development process, we will also actively listen to user feedback and suggestions, continuously improve product design and service systems, provide users with a better and more considerate service experience, and strive to promote the product towards a more mature, stable, and diversified direction.
XI. Changes to the Privacy Policy
To adapt to changes in business development, service adjustments, or legal and regulatory requirements, we may update or modify this Privacy Policy from time to time. When this Privacy Policy is changed, we will publish the updated information to users through in-app announcements, official website notifications, or other reasonable means so that users can be informed of the policy adjustments in a timely manner.
The updated Privacy Policy will officially take effect on the date of publication or the effective date specified in the notification. Users are advised to review this Privacy Policy regularly to understand the latest personal information protection rules and related content.
If you continue to use this application and related services after the Privacy Policy is updated, it indicates that you have read, understood, and agreed to accept the updated Privacy Policy. If you do not agree to the modified terms, you may choose to stop using this application and related services.
XII. Third-Party Data Sharing and Cooperation Notice
We attach great importance to the protection of users' personal information. In providing credit limit assessment, credit limit management services, and optimizing user experience, we will only use relevant information within the scope permitted by laws and regulations and necessary for our business. Except as expressly stated in this policy, we will not sell, rent, or disclose your personal data to any third party unrelated to the service.
I. Types of Information Partners Potentially Involved
1. Technical Service and Operational Support Providers
To ensure the stable operation of the application system and continuous improvement of product functionality, we may collaborate with some third-party technical service providers, such as those offering data analysis, system operation monitoring, or technical support. These partners will only process necessary information within the scope of their service responsibilities and must comply with strict confidentiality and data security requirements.
2. Affiliated Institutions and Authorized Personnel
In the process of providing related services, our affiliated companies, branches, or authorized personnel may access necessary data within the scope of fulfilling their duties. These entities will only use information to the extent necessary to complete credit limit management and related services.
It should be noted that the aforementioned technical service providers and affiliated institutions are all part of the service system, used to support the normal operation of application functions, and are not considered "unrelated third parties" as defined in this policy.
In this policy, "unrelated third parties" refers to organizations or individuals that have no direct business relationship with the application's credit limit assessment, credit limit management, or service provision.
II. Third-Party Services Used
To improve product performance and user experience, this application may integrate with some third-party service components, such as:
1. AppsFlyer
Official Website: https://www.appsflyer.com/
Purpose: Used to collect statistics on application promotion effectiveness and user source data, helping us understand application promotion performance and optimize product display strategies.
Scope of Information: Only necessary device information and application usage behavior data are included; personal information that can directly identify users is not included.
2. Firebase Analytics
Official Website: https://firebase.google.com/support/privacy
Purpose: Used for application performance statistics, feature usage analysis, and product improvement, helping us better understand user behavior and improve the overall service experience.
Scope of Information: Only the minimum amount of data required for statistical analysis is collected, and the purpose of data use is strictly limited.
III. Data Sharing Principles
Under all circumstances, we will adhere to the following principles when handling data sharing involving third parties:
1. Sharing data only when it is legal, reasonable, and necessary.
2. Strictly limiting the scope and purpose of information use.
3. Not selling or providing your personal information to unrelated third parties.
4. Ensuring data transmission and storage security through technical and management measures.
We will continuously monitor our partners' fulfillment of their data security and privacy protection obligations to ensure that user information is adequately protected.
XIV. Contact Us
Customer Service Hours: Monday to Sunday 08:00–18:00
Company Name: GTICK ACCOUNTINGSOLUTIONS LLP
Website: https://gtickaccounting.com/
Email: support@gtickaccounting.com
Address: G-13 FIRST FLOOR JANPATH CIMPLEX CHAKRATA ROAD CROSS ROAD Dehradun, Uttarakhand, 248001 India