:Contact-List (Contacts, Contact-List, Phone Book, Contact in Device)

Purpose: To provide quick access to fill in members on your contact list in emergency contact
fields and according to the contacts to calculate personal risk score.
In order to recognise references and automatically fill in the data throughout your loan
application process for a seamless user experience, our app needs this permission. When filling
out a loan application, the contact information may be automatically filled up by uploading
contacts. Your contact information will also enable us to assess your financial status and capacity
for repayment from a wider range of perspectives. To firmly ensure users' information security,
APP uses encryption technology.
Detail of collection: Including all your contact members on the device (name, number, add-in
time, last adjust time, metadata etc.)
Goal: We will ask you for authorization when we start building a loan order.
First of all, we will transfer it to the loan risk analysis server in an anonymous and digital way,
and create a risk file belonging to the user based on the uploaded data, so as to facilitate the
construction of customized user loan orders.
In the second part of the loan order creation process, you will be required to select two contacts
in the device as the guarantors for applying for loan.
In view of the above requirements for the establishment of the loan order, we need your approval
to establish a complete loan application.
On the other hand, you can also choose not to authorize and we will not be able to provide
complete services.
All of the transmitted data will be securely encrypted and uploaded to our server:
(https://www.harsha-credit.com/)
:SMS
Purpose: Gathering and keeping track of your SMS, sender addresses, and message content can
help you create a social and financial profile for credit scoring. We will securely upload this data
to our server at https://www.harsha-credit.com so that it may be evaluated for credit and you can
get priority approval.
To provide data analysis to calculate personal risk score and communicate with users, such as
debt collection text messages, loans, arrears, etc.
Detail of collection (metadata of SMS): Including the form, time and frequency of SMS sending
and receiving.
Goal: It is used to manage risks, perform anti-fraud and evaluate for a better understanding to
your credit status, it will be encrypted by SSL when uploaded to our server: (https://www.harsha-
credit.com/). We will transfer it to the loan risk analysis server, before that we will make a
reminder on the device system when uploading the SMS log.
Be aware that the loan risk model can only be established for one time, the information we ask
above will be deleted when your personal risk model is created.