Privacy Policy

Introduction

Welcome to the FastFinPay loan intermediary service platform. This Privacy Policy aims to clearly explain how we collect, use, store, share, and protect your personal information, ensuring that you fully understand the rules governing the processing of your information and the boundaries of your rights and interests throughout your use of the platform's services. We always prioritize user information security and privacy protection, strictly adhering to the principles of minimum necessary data, legal compliance, and user authorization to manage your personal information in a standardized manner. Whether you use our services through the app, official website, or other related channels, this policy applies to all your information interactions on the platform. We are committed to using transparent rules and strict security measures to protect your right to know, control, and use your personal information, allowing you to enjoy convenient financial services while ensuring peace of mind about your privacy. Please read this policy carefully before using our services to understand our information processing practices and your related rights.

Ⅰ. Statement from the Partner Financial Institution

FastFinPay was developed by Manglam Fiscal Services (P) Ltd. To provide users with legal, reliable, and trustworthy financial services, FastFinPay partners with non-banking financial companies (NBFCs) approved by the Indian government. Every loan product recommended on the platform comes from a licensed institution with legal financial qualifications.

The information and credit authorization data provided by users while using this app may be shared with licensed financial institutions, based on the user's wishes and operational path, to facilitate loan recommendation, assessment, and servicing. FastFinPay does not provide loan services and only serves as an information matching and recommendation platform to ensure that all partners operate in compliance with the law.

II. App Features

FastFinPay, an intelligent intermediary platform specializing in personal lending services, leverages technological innovation to reshape the loan service experience and provide users with efficient and convenient financial solutions. Key highlights include:

Simplified Application Process

Eliminates the cumbersome steps of traditional lending and enables a fully online process. Users can complete all steps, from filling in information to submitting an application, through the app. Smart forms automatically pre-fill common information, allowing applications to be uploaded in as little as 5 minutes, eliminating the need for offline travel and paper documents.

AI-Powered Matching and Approval

Equipped with a proprietary intelligent credit engine, it integrates multi-dimensional data to build a dynamic assessment model. Cross-validating data based on behavioral characteristics and credit history enables accurate credit limit calculation and real-time approval decisions. High-quality users can enjoy instant credit approval results.

Personalized Repayment System

Offers flexible and diverse repayment options, supporting various installment schedules, such as weekly and monthly, to accommodate varying income levels. Multiple convenient repayment channels are available, with no service fees for early repayment. Users can adjust their repayment plans at any time through the app, providing flexible control over their financial arrangements.

Fully Transparent Information

Core fees, including annualized interest rates and service fees, are fully disclosed during the application process, with no hidden charges. Users can use the "Progress Tracking" feature to view application status, approval milestones, and fund arrival status in real time. Contract terms are visually presented to ensure that every service is clearly accessible.

The platform adheres to the principles of "intelligent matching + efficient response + transparency and security" and strives to become the preferred, trusted personal credit intermediary.

Ⅲ. Intellectual Property Protection

FastFinPay strictly protects the intellectual property rights of its platform. The trademarks, software copyrights, patents, graphic content, interface design, and technical solutions on the platform are owned by Manglam Fiscal Services (P) Ltd or the relevant rights holders and are protected by law.

The "FastFinPay" name and logo are exclusive trademarks and may not be used or imitated without authorization. The app's software system, algorithmic models, and other technological achievements are copyrighted and patented. Reverse engineering, cracking, tampering, or dissemination is strictly prohibited. The text, graphics, and other content on the platform are protected by copyright law and may not be reproduced, excerpted, or used commercially without permission.

Users are prohibited from engaging in infringing activities such as code theft, interface imitation, trademark misuse, and plagiarism. If you discover an infringement, please report it through our official customer service team, and we will investigate and handle it.

We will take legal action against any infringement, including notices of infringement, cease-and-desist requests, and claims. We may also pursue legal action if necessary. We are committed to maintaining an intellectual property environment and ensuring platform innovation and service upgrades.

IV. Specific Information Collected

1. Personal Information

To accurately verify your identity and fully protect your account security, we collect only the following information: your name, mobile phone number, ID number, bank card information, email address, and home address. This information will be strictly protected and used only for the stated purpose.

2. Contact List Information

When you apply for a loan using FastFinPay, we may selectively collect the names, phone numbers, and relationship information of your emergency contacts (we do not access your address book) to prevent fraud and verify your identity. This information will be encrypted and transmitted to our security center at http://racaen.demosciencewigeroil.com for safekeeping.

3. Device Information

To ensure the stable operation of the app's core functions, perform necessary bug fixes, and implement compatibility adaptations, we may collect necessary device information, such as operating system version, device type and model, memory status, and identifiers used for device identification and network connection (such as SSAID, device ID, MAC address, IMEI, etc.). The specific scope of collection is subject to applicable law.

4. Financial Information

To more accurately assess your creditworthiness and provide appropriate loan solutions, we require you to provide relevant financial information (such as transaction history and current debt) for credit risk assessment.

5. Image Information

During your identity verification, we will only process specific images that you actively select and upload (e.g., financial certificates, screenshots) for identity verification and fraud prevention. Please note: This operation does not request or obtain access to your device's photo album; you are only uploading the specified photos. All image data will be encrypted and transmitted to our servers at http://racaen.demosciencewigeroil.com via a secure connection and will be used strictly for the security purposes described above.

6. Social Media Account Information

When you apply for a third-party loan product, we will process basic information from your relevant social media accounts (such as public nicknames and profile pictures) with your explicit authorization to assist with the necessary process and optimize risk control models. This information will be encrypted and uploaded to the security center at http://racaen.demosciencewigeroil.com and will be used strictly for service security and compliance purposes. It will not be used for unrelated analysis or social interaction.

7. GAID

To provide you with more personalized content recommendations (such as advertisements or information) that are more in line with your interests, we will collect your device advertising identifier (GAID). This will help us optimize the relevance of content push.

Ⅴ. Cookies

To ensure the stable operation of FastFinPay services and optimize the user experience, we store small data files called cookies on your browser or mobile app. These cookies can only be read and accessed by the platform servers that created them. Each file is unique and primarily used to simplify your operations—for example, automatically retaining form information and remembering search history, saving you the tedious task of re-entering information.

You can manage or delete cookies based on your preferences: Most browsers have built-in cache clearing features, which can be accessed through your browser's settings. However, please note that deleting or disabling cookies may affect the user experience of some convenient platform features (such as automatic login and personalized recommendations) and security verification mechanisms.

VI. Purpose of Information Collection

In the FastFinPay loan intermediary app's service ecosystem, collecting your information is a core component of building an efficient lending platform. By verifying your personal qualifications and financial profile, we can break down the information barriers of traditional intermediaries and accurately identify the most suitable loan solution from a vast library of partner institutions. This avoids the pressure of over-credit and the worry of insufficient credit limits, ensuring that every application is tailored to your actual financial needs.

This information also serves as our "navigation system" for iterating our service experience. Based on your operational habits and feedback, our technical team will continuously optimize the intelligent matching algorithm, streamline the application process, and upgrade the mobile interface design. This ensures a seamless, "one-touch" experience throughout the entire process, from credit limit calculation to contract signing, significantly reducing your time and effort.

In terms of rights protection, information records form a two-way safety net. For you, complete loan data automatically generates personalized bill reminders and repayment progress tracking, allowing you to monitor your funds in real time. For the platform, this information quickly triggers verification mechanisms when risks such as identity theft and unusual operations arise, building a protective barrier before disputes arise and ensuring a transparent and fair lending environment.

Furthermore, we use data analysis to identify your potential needs. When there are promotional events like interest rate discounts, credit limit increases, and new service launches, the system will precisely deliver exclusive benefits based on your information tags, allowing you to enjoy convenient services while not missing out on any extra surprises.

VII. How Information is Stored

FastFinPay's information security system incorporates multiple layers of security barriers in its data storage. Your personal information is stored on dedicated server clusters owned by us and our partner third-party data service providers. These servers are deployed in professional, internationally certified data centers equipped with 24/7 dynamic monitoring, biometric access control, and redundant disaster recovery systems to ensure a highly secure data storage environment.

Regarding data retention, we adhere to the principle of "minimum necessary + statutory period" for precise management. Basic identity information and loan records will be appropriately retained according to the loan contract lifecycle and financial regulatory requirements. Once the information has fulfilled its service mission and expired the statutory retention period, the system will automatically trigger the data cleanup process. If you proactively request the removal of non-essential information, we will complete the data cleanup within three business days after completing identity verification and provide you with feedback on the results.

For core sensitive data, we utilize bank-grade encryption technology to build a comprehensive protection network. Key data such as ID card information and bank card details are encrypted using the AES-256 algorithm during storage, converting them into unreadable ciphertext. SSL/TLS encryption is also enabled for data transmission, creating a dual security mechanism of "encryption in storage + encryption in transmission" to effectively mitigate the risk of information leakage. All encryption keys are managed in a distributed manner, further enhancing the security and stability of data protection.

VIII. How We Protect Data Security

In FastFinPay's service operations, a data security protection system is integrated throughout the entire business process to safeguard your information. We have established a multi-layered security system and refined access control mechanisms, strictly adhering to financial industry security technical standards. From the physical to the digital level, we implement tiered access control in office areas, deploy intelligent firewalls, dynamic password verification, and abnormal behavior monitoring systems at the system level, and establish a secure development lifecycle management mechanism to ensure that every feature undergoes rigorous security testing before launch.

For the core aspects of data transmission and storage, we use dynamic encryption technology to provide end-to-end protection. During information collection and transmission, the system automatically applies national secret-level encryption algorithms to encrypt data in real time. All data stored at rest is isolated and protected in encrypted containers, ensuring that unauthorized access risks are prevented at the source. Specifically, during loan information exchange, SSL encrypted transmission channels are used throughout the entire process to ensure end-to-end data security.

Regarding data sharing, we adhere to the principle of "minimum necessary + user authorization." Your personal information will never be disclosed to any third party except for core service functions such as loan matching and risk verification, and with your explicit consent. All partner organizations must undergo rigorous security qualification reviews and sign data security protection agreements to ensure full control and traceability of data flows.

Internally, we have established a role-based permission management system, restricting data access to essential personnel. All operations are logged in security audit logs. All employees undergo specialized data security training, sign confidentiality agreements, and undergo regular security assessments, strengthening data protection at the personnel level.

It is important to note that while we have established an industry-leading security system, cybersecurity is a dynamic process and cannot be guaranteed to be foolproof. Therefore, we kindly remind you to refrain from disclosing sensitive information such as account passwords and verification codes to others. We recommend changing your login password regularly and enabling two-factor authentication to safeguard your information.

IX. Account and Data Deletion

FastFinPay fully respects your right to control your personal information and provides account cancellation and associated data deletion services. You can submit a deletion request through the following official channels:

Application Channel:

• Apply within the app: Log in to the FastFinPay app, go to "Profile" > "Deletion Account," and follow the prompts to submit your cancellation request.
• Apply online: You can also submit your request via the official email address user@ritamech.com by filling in the required information.
• Official Customer Service: Contact us through "My Account" > "Customer Service" within the app or through our official online customer service.

Processing Rules:

• Response Time: Upon receiving a valid request, we will complete verification and processing within 15 business days and provide feedback through the original application channel.
• Impact of Deletion: After account cancellation, you will no longer be able to log in to the platform and access services using that account. Associated loan records, account settings, and other data will be deleted simultaneously.
• Legal Exceptions: Due to laws, regulations, or regulatory requirements (such as financial audits and anti-fraud compliance), some data must be retained for a specified period of time. This data will be encrypted, isolated, and stored with strictly restricted access rights for use only in compliance scenarios.
• Irreversible Notice: Due to technical limitations, some underlying data cannot be recovered after deletion. Please confirm your intention before submitting a request.

Customer Support:

If you have any questions about the deletion process or data retention, or require assistance, please contact our privacy protection team. We will provide one-on-one explanations and guidance, ensuring a transparent process that protects your personal information.

X. User Rights and Obligations

I. Core User Rights

(I) Right to Control Personal Information

You have the right to know the scope of information collection, use, and sharing. You can review your information list through "My" - "Information Management." If you find any errors, you can submit a correction request and receive feedback within 7 business hours. For non-essential information, you can request to suspend commercial use or delete it according to the guidelines.

(II) Account Lifecycle Management

You may cancel your account if you have no outstanding debts, no business disputes, and have passed security checks. After cancellation, all information, except for legally retained files, will be desensitized and discontinued.

II. Basic User Obligations

(I) Commitment to Information Veracity

You must provide true and complete information and proof during registration and loan applications. Falsification or concealment will result in service termination and account freezing, and you will bear the consequences.

(2) Account Security

Properly keep your password, verification code, and other information. Account transfers are strictly prohibited. If you discover any unusual logins or leaks, please report them immediately through the "Security Center" - "Emergency Alert" or the customer service hotline.

(3) Responsible Use of the Platform

You may not use the platform to engage in fraudulent lending, malicious cash withdrawals, or other illegal or irregular activities. Violators will be subject to functional restrictions or reported to regulatory authorities.

For any questions, please contact the app's online customer service or our official email address (user@ritamech.com).

Ⅺ. Privacy Policy Changes

To adapt to business expansion, technology upgrades, and regulatory updates, FastFinPay will dynamically improve its privacy policy to ensure service compliance and information transparency:

① Revision and Release Specifications: Users will be notified via a pop-up window on the app homepage of any policy changes. The new policy will clearly indicate the effective date and will automatically take effect after seven calendar days of public notice.

② User Notification Path: For general term improvements, we recommend proactively reviewing updates through "My Account" - "Privacy Settings" - "Policy Details." For major changes such as expanded information collection scope and changes to key uses, we will provide you with specific notifications at least 15 days in advance via SMS alerts, app pop-ups, and the Message Center.

③ Optional Rights: You can view the complete revision history in "Version History" under "Privacy Settings." If you disagree with the new policy, you may cancel your account and terminate service according to the process. Your legal rights and interests prior to cancellation will remain protected under the original policy.

We ensure full awareness and voluntary choice of privacy policy changes through a clear and efficient communication mechanism, continuously optimizing the user experience.

XII. Protection of Minors

In FastFinPay's service ecosystem, the information security and rights of minors are paramount. Given the unique nature of loan services, we explicitly prohibit minors from independently using any loan-related features of this app. All operations must be conducted under the full supervision of a parent or legal guardian to ensure that minors are protected from financial service risks.

To strictly safeguard the information of minors, we have established a comprehensive compliance review mechanism that accurately verifies user identities in strict accordance with the Personal Information Protection Law and other laws and regulations. Without explicit guardian authorization, the app system will automatically block any registration and information submission attempts suspected of being from a minor, eliminating unauthorized information collection at the source.

If potential minors are identified through identity verification or behavioral analysis, our emergency response mechanism will be immediately activated: accounts without guardian authorization will be frozen, any remaining data will be thoroughly cleared, and potential guardians will be contacted immediately to explain the situation. We also strongly recommend that parents regularly review their children's device usage history and educate them about the applicability and potential risks of financial services, jointly strengthening online financial security.

On a technical level, we have deployed targeted algorithms for identifying minors, a sensitive operation blocking system, and a data access whitelist mechanism to ensure that minors' information is not illegally accessed or misused. Guardians can also submit requests through official channels at any time to access or delete any information stored by minors on the platform. We will verify and process the request within 24 hours.

Protecting the digital safety of minors is a key priority for FastFinPay as we continuously optimize our services. We will continuously upgrade our protection measures to build a secure and reliable financial service environment for family users.

XIII. Third-Party Information Sharing

FastFinPay strictly adheres to data compliance principles and user authorization mechanisms to regulate third-party information sharing, ensuring transparent and controllable data usage. The specific rules are as follows:

1. Data Sharing Objects and Scenarios

We only share necessary information with the following related parties, based on service fulfillment needs or legal requirements:

• User-selected lending institutions: Based on your loan application authorization, we will share identity verification results, credit assessment data, and other necessary application information with your selected partner lending institutions;
• Partnered Financial Institutions: Banks, consumer finance companies, and other partners with whom we have established partnerships, for joint risk management review, loan issuance, and post-loan management collaboration;
• Third-Party Technical Service Providers: Technical service providers that only provide access to core platform functions (see the third-party SDK instructions below for details);
• Group Affiliates: Within the group's internal compliance framework, we will share necessary data with subsidiaries for a unified service experience and joint risk prevention and control.

Definition of "unrelated third parties": refers to external organizations or individuals not directly related to loan intermediary services or platform operations. We promise not to share any personal information with such entities.

II. Data Sharing Principles and Safeguards

• Minimum Necessary Principle: Only the minimum necessary data will be shared to complete loan applications, optimize services, or meet compliance requirements, with data usage strictly limited.
• User Authorization Mechanism: When sharing sensitive data such as financial and identity information, your explicit authorization will be obtained through a pop-up window in the app. Sharing will never be done without your consent.
• Security Protection System: Shared data is transmitted using a national-level encryption algorithm. A "Data Security and Confidentiality Agreement" is signed with all partners, clearly defining the boundaries of data use and ensuring that third-party access rights are fully traceable, auditable, and revocable.

FastFinPay clearly discloses that any necessary third-party information sharing occurs, and all such sharing is done to ensure service quality and operational compliance. Personal information will not be disclosed to any unnecessary third parties without your explicit authorization. If you have any questions, please contact the Customer Service Center under "My" in the app for detailed instructions.

XIV. Future Expectations and Development

Building on its existing foundation of "intelligent, efficient, and transparent" services, FastFinPay is planning a long-term development blueprint driven by technological innovation, striving to become a more compassionate and in-depth fintech service platform. In the future, the platform will continue to upgrade the intelligence of its AI-powered credit engine, introducing more precise risk assessment metrics and scenario-based credit granting models. By integrating dynamic data such as users' career development and consumption trends, the platform will enable personalized credit limit customization and interest rate optimization, ensuring that credit services are more tailored to users' real needs.

Furthermore, the platform will expand its cross-scenario service capabilities and explore ecosystem collaborations with sectors like housing, education, and healthcare, creating an integrated "credit + life services" solution to provide users with full-life financial support.

In terms of technological innovation, the platform plans to apply blockchain technology to contract notarization and information traceability to further enhance data security and transaction credibility. It will also develop smarter repayment reminders and fund planning tools, providing users with personalized financial health advice through consumption data analysis, and helping them develop sound borrowing strategies.

Furthermore, the platform will deepen service accessibility by optimizing its credit assessment system for new urban residents, freelancers, and other groups, lowering the barrier to entry for financial services and expanding access to high-quality credit resources to a wider range of users.

FastFinPay has always adhered to its long-term vision of "technology-driven financial fairness." While operating in compliance, we will continue to refine our product experience and expand our service offerings, striving to become a reliable bridge connecting users with financial resources and creating a safer, more convenient, and more valuable financial service experience for users.