Terms of Service

Dear User, thank you for using the RevoLine application.

RevoLine is a revolving credit line assessment and management platform deeply rooted in the Indian financial services landscape. Tailored to the credit management needs and local financial payment habits of Indian users, it provides individual users with efficient, compliant, and secure end-to-end credit line services, making credit assessment more transparent, credit line management more convenient, and financial planning more flexible.

Leveraging a professional credit assessment model, combined with local Indian user identity information, financial behavior, and device security data, RevoLine provides users with accurate revolving credit line assessment services. The entire process adheres to Indian financial data compliance requirements, upholding the principles of data minimization and encryption protection to ensure personal information security. Users can clearly view their available credit line and fee rules after assessment within the RevoLine application, complete credit line withdrawal applications with one click, and track credit line usage and repayment records in real time, achieving one-stop credit line management. In the credit assessment stage, the verification process is simplified, requiring only basic identity verification and submission of necessary financial information to quickly obtain assessment results. Simultaneously, multiple security protection mechanisms are established, using technologies such as device verification, liveness detection, and data encryption to prevent fraud risks and protect account and fund security.

To provide you with stable, secure, and compliant credit limit assessment and management services, RevoLine will collect and use the following information with your authorization. We always adhere to the principles of legality, legitimacy, necessity, and minimization, and take strict data protection measures. Please read the following carefully before using this platform's services.

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/.

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.

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.

Thank you for choosing RevoLine. We look forward to providing you with professional credit support services.