隐私权政策

Your trust is very important to [Shanghai Caimiao Information Technology Co., Ltd.] (hereinafter referred to as US). As the operator of the account king bookkeeping APP, we know the importance of personal information to users and will do our best to protect users' personal information security. We respect and protect user privacy, when you use the platform services,We abide by the following principles to protect your personal information: the principle of consistency of rights and responsibilities, the principle of clear purpose, the principle of choice and consent, the principle of minimum adequacy, the principle of ensuring security, the principle of subject participation, and the principle of openness and transparency. At the same time, we will collect, use, store, share and protect your personal information in accordance with this privacy policy and industry-established security standards.

Before using the platform services, please carefully read and understand all the contents of this Privacy Policy, and make the appropriate choice after careful consideration. We strive to make the text of this Privacy Policy easy to understand, concise and to the point, and the terms of this Privacy Policy that have a significant relationship with your rights and interests are marked in bold.If you do not agree with some or all of the contents of this privacy policy, you should immediately stop using the platform services and contact us through the platform customer service. When you confirm this privacy policy by checking, clicking confirm, agreeing to authorize, etc., it means that you have agreed to our lawful use and protection of your personal information in accordance with this privacy policy.If you have any questions about the content of this privacy policy, you can contact us through the platform customer service. This Privacy Policy will help you understand what data we collect, why we collect it, what we do with it, and how we protect it. When the data collected and used is beyond the scope of this privacy policy, we will ask for your consent in advance:

Account King Bookkeeping Basic Edition, Standard Edition, and Ultimate Edition (hereinafter referred to as "Account King Bookkeeping" or "We") respect and protect your privacy.

The privacy policy of the King of accounts (hereinafter referred to as "this policy") is formulated in accordance with the Network Security Law of the people's Republic of China and the laws and regulations on the protection of personal information. When you use our services, we will collect, store, use and provide your personal information in accordance with the Privacy Policy. At the same time, we will explain to you through this policy,How we provide services to access, update, manage and protect your information. This policy is closely related to your use of our services. We recommend that you carefully read and understand the entire content of this policy and make the choices you think are appropriate.

In order to comply with national laws, regulations and regulatory requirements (e. G., real-name management, anti-money laundering duties, and risk prevention measures), and to provide you with services and improve service quality (e. G., to support us in developing new products or improving existing product functions, To provide you with better quality or suitable services), we need to collect, store, use and provide your information to the outside world.Please note that this policy only with your confirmation and consent, we will deal with your personal information in accordance with the agreement of this policy, so that you can enjoy high-quality and convenient services, and at the same time better protect your account and fund security; You can choose not to agree, we provide you with the "browse" function, however, this may prevent you from using the full functionality of the platform products and/or services.

This Privacy Policy applies to all services provided by the Platform. If the products or services provided by the platform are used in the products or services of our affiliated companies (see the explanation of terms for the scope) but there is no independent privacy policy, this policy also applies to that part of the products or services. At the same time, if you only use some of the platform's services,The corresponding privacy policy terms may apply depending on the applicable scenario.

In particular, this Privacy Policy does not apply to services provided to you by other third parties. The platform may contain links to other websites, and we will evaluate the legality, legitimacy and necessity of the information collected by the third party. If the third party has a cooperation agreement with us, we will require the third party to take protective measures for your information and strictly comply with relevant laws, regulations and regulatory requirements.We will require third parties to take measures to protect your information and strictly comply with relevant laws, regulations and regulatory requirements. We recommend that you review the privacy policies of these third-party websites to understand how they handle your information so that you can make prudent decisions.

In the process of using the account king bookkeeping service, we need to collect your personal information in the following situations. You are not required to provide us with personal information, but if you choose not to do so, we may not be able to provide you with the appropriate services or respond to or resolve your problems. You should provide your own information,Ensure the authenticity of the information you provide. If you agree to this policy, we will consider your voluntary use of our products and provide the corresponding information. Note: If you need to provide other people's personal information according to the service, please ensure that you have obtained the authorization of the relevant subject.

According to the Cybersecurity Law of the People's Republic of China, personal information refers to "all kinds of information recorded electronically or otherwise that can identify the personal identity of a natural person alone or in combination with other information, including but not limited to the name, date of birth, identity document number, personal biometric information, address, telephone number, etc. of the natural person.Information in the platform that is not related to you does not belong to your personal information. According to the National Standard of the People's Republic of China (GB/T 35273) "Information Security Technology-Personal Information Security Specification", personal sensitive information includes ID number, personal biometric information, bank account number, communication record and content, property information, credit information, whereabouts, accommodation information, health and physiological information, transaction information, under 14 years old (inclusive) children's personal information, etc. (but we will not collect all the above-mentioned personal sensitive information,Only collect information necessary to provide our services in accordance with this Privacy Policy and business needs). At the end of this privacy policy, we list the specific types and scope of personal information and personal sensitive information in the form of a list. When this privacy policy involves personal information, it will be marked in bold and underlined,It is convenient for you to view.

In order to provide you with better and better services, you agree and authorize us to collect the following necessary information related to the service according to the service you use. If you do not use some of our services, you may choose not to provide certain information, but this may prevent you from using some of our services.

1. When you register the account king account, in order to meet the requirements of the network Real-name system stipulated by relevant laws and regulations, you need to provide us with your mobile phone number and complete the identity verification through SMS verification. According to China's laws and regulations and for security purposes, if you refuse to provide your mobile phone number for verification, the registration will be unsuccessful,Functions related to the products and/or services of Account King cannot be used. If you only need to use basic local services, you can choose not to register and provide the above information (I. E. You can exit the registration/login page and return to the main page to browse). If you want to enjoy the main functions or services, you need to register your account account number.

2. When you log in to the account account account, you need to provide us with your mobile phone number or email address (the latter is for users who only need to provide email address at the time of original registration) and log in by verifying your password. You can also verify login by providing your mobile phone number plus SMS verification code.

The above information you provide will be used by the account king bookkeeping service provider during your use of the account king bookkeeping service. We will strictly protect your personal information in an encrypted manner. After you cancel your account, we will stop using the above information.

(II) To provide you with bookkeeping services for you to understand your personal consumption.

You keep bookkeeping independently to know your consumption situation. We collect the bookkeeping amount, time, member information, user-defined category information, information entered in the bookkeeping template, remark information of running water, project attribution information, reimbursement type, merchant information, geographical location and other information that you fill in independently during bookkeeping, as well as when you keep bookkeeping through short messages or pictures,The billing information that the system recognizes through your authorization.

(III) To provide you with account management services to facilitate you to query and manage your multiple accounts, we will collect the following information when you provide information on each account independently:

a. Cash account information that you fill in independently: account name, account balance, account currency, account notes.

b. The network account information you fill in independently: account name, user name, account balance, account currency, account notes.

c. Fixed asset account information that you fill in independently: account name, asset value, account currency, account notes.

d. The investment account information you fill in independently: account name, user name, account balance, account currency, account notes.

e. Virtual account, stored value card or current account information that you fill in independently: account name, user name, account balance, account currency, account notes.

In order to provide you with better service/advertising/push, so that you have a better service experience or other uses you agree to, under the premise of complying with relevant laws and regulations, the account king bookkeeping may be in the account king bookkeeping A product or service needs to store and record your personal information for comprehensive statistics, the means of analysis are used alone or in combination with relevant information from other services,In order to provide you with high-quality services/Advertisements/push, the usage scenarios include services, advertisements, push messages, SMS push and push services during App usage. The push push interface has provided you with a close button. Please understand that we will collect non-identifying information, that is, information that cannot be used to determine personal identity,For example, website visits, APP downloads, product sales, geographic location. We collect aggregated statistical information for the purpose of understanding how users use our services. In this way, we can improve our service and better meet the needs of users. We may, in our sole discretion, collect, use, disclose and transfer non-identifying information for other purposes.

The above location information is sensitive information. If you do not agree to authorize us to obtain it, you will not be able to use the above related services, but it will not affect your use of the main services and other services of the product.

(V) According to relevant laws and regulations, in the following circumstances, we may collect and use your personal information without obtaining your consent:

1. Directly related to national security and national defense security;

2. Directly related to public security, public health, or major public interests;

3. Those directly related to criminal investigation, prosecution, trial and execution of judgment;

4. For the purpose of safeguarding the important legal rights and interests of your or others' life and property, but it is difficult to obtain your own consent;

5. The personal information collected is disclosed to the public by yourself;

6. Collect personal information from information that is legally publicly disclosed, including legitimate news reports and government information disclosure channels;

7. Necessary to sign and perform the contract according to your requirements;

8. It is necessary for the maintenance of the safe and stable operation of the services provided, and the detection and disposal of product or service failures;

9. Other circumstances stipulated by laws and regulations.

1. In order to make the service of account king bookkeeping more appropriate to your needs, understand the adaptability of products, identify the abnormal status of account numbers, etc., you can authorize account king bookkeeping to automatically match the services you can use by opening some permissions. We will provide you with services within the scope of authorization according to the following permissions you have opened:

1) Provide customer service and dispute handling: When you contact us or raise an application for problem handling or dispute handling, in order to protect your account and system security, we need you to provide necessary user information to verify your user identity. In order to contact you, help you solve the problem as soon as possible or record the solution and results of the related problem,We may save your communication and call records and related content (including account information, order information, other information you provide to prove relevant facts, or contact information you leave). In order to provide services and improve the quality of services, we may also use your other information, including information you provide when you contact customer service,The information you send to us when you participate in the survey.

2). Location information: We will access your location information (such as GPS signals sent by mobile devices) after you open the location permission. And according to your location information to provide you with convenient service experience, such as quickly fill in contact address information, complete the field clock operation. We may also use various technologies to locate,For example, sensor data from your device can provide information about Wi-Fi nearby access points and base stations. If you do not need the above services, you can not enable this permission, and does not affect your use of other services provided by the account king APP.

3). Additional services based on camera/camera: You can use this function to scan codes after turning on the camera/camera permission, which is used for scanning codes for login, identifying invoice two-dimensional code information, shooting invoices and other functions. Please know that even if you have agreed to turn on the camera permission, we will only take the initiative to click on the code scanning icon in the client,Get photo information through the camera. If you do not need the above services, you can not enable this permission, and does not affect your use of other services provided by the account king APP.

4) Additional services for photo/video access and upload based on photo album (Photo Library/Video Library): You can use this function to upload your photos/pictures/videos after opening the photo album permission, so as to realize functions such as storage and information Upload. For example, you can take a financial voucher and upload the record. If you do not need the above services,You can disable this permission without affecting your use of other services provided by the account king APP.

5) Additional services related to microphone-based voice technology: You can use the microphone to realize voice interaction with the robot after turning on the microphone permission. In these functions, we will collect your recording content to identify your search needs. Please know that even if you have agreed to turn on the microphone permission, we will only obtain voice information through the microphone when you actively click the robot icon in the client.If you do not need the above services, you can not enable this permission, and does not affect your use of other services provided by the account king APP.

6). Additional services based on address book information: We will collect your address book information after you open the address book permission so that you can make contact calls more conveniently and fill in the mobile phone number quickly when recording contact information. If you do not need the above services, you can not enable this permission, and does not affect your use of other services provided by the account king APP.

7). Read and write memory permissions: When you enter the account King, the platform needs to obtain your read and write memory permissions in order to normally use the data entry/data export/Picture entry/update APP/log cache/required for normal operation in APP. If you do not turn on the permission, you will not be able to use the specific functions related to this permission,However, it does not affect your use of other services provided by the account king APP.

8). Bluetooth function permission: When you use Qin Si software to communicate with other hardware, other hardware providers can enable Bluetooth data transmission function with your consent, which is mainly used to connect Bluetooth scanners, Bluetooth printers and other hardware devices that manage shops. If you do not turn on this permission, you will not be able to use Bluetooth-related functions and services,However, it does not affect your use of other services provided by Qin Si APP.

Please note that once you open the relevant permissions or submit the relevant information, it is deemed that you have taken the initiative to authorize our mobile phone and use the relevant information. If you turn off the relevant permissions (permission turn off path: mobile phone Settings-> Application Management->APP-> permissions), it means that you cancel these authorizations and we will no longer continue to collect and use your personal information.Your decision to turn off the permission will not affect your previous processing of personal information based on your authorization.

2.When we provide you with other business functions, we will separately explain the scope and purpose of information collection to you, and collect your information necessary to provide corresponding services after obtaining your consent. We will use, store, provide and protect your information in accordance with this policy and the corresponding user agreement; If you choose not to provide the above information,It will not affect your use of other services.

3. In addition to the above information, we may also obtain other information from you for the reasonable need to provide more services and improve service quality, including the relevant information you provide when you contact our customer service team, the questionnaire reply information you send to us when you participate in the questionnaire survey, and the relevant information you provide to our other application software.At the same time, in order to improve the security of your acceptance of the services we provide and prevent phishing website fraud and Trojan horse virus more accurately, we may judge the risk of your account by understanding some of your network usage habits and your commonly used software information, and may record some links ("URL") that we think are risky.

Users can independently import the information of the following accounts, and we will collect records with your authorization for you to inquire and manage your financial situation.

1). Self-imported account book information will collect your account name, current arrears, account currency, account notes, account password, consumption flow (detail type, detail amount, detail time).

In the process of providing services, in order to ensure that you can use the product functions normally, we may apply to the system for your equipment permission. Before applying, we will ask for your consent through pop-up window or page description. You can choose "allow" or "prohibit" permission application. Because a small number of device manufacturers give you some basic permissions by default when the application is installed,The pop-up confirmation function is not supported. Specifically, we suggest you pay attention to your device function description and permission list. If you do not agree to give us these permissions, you can cancel the authorization to us through the path set in the device in time. After the application for the permission of the device supporting the pop-up function is successful, you can enter the device "Settings-Permission Management" to close the corresponding permission at any time,Related product functions may not work properly after permissions are turned off. In different devices, the permission display mode and closing mode may be different. Please refer to the instructions or guidelines of the device and system developer for details.

1). When users add pictures to bookkeeping after downloading APP, we will apply to the system for the permission to use "camera". During the use process, we will collect the picture information containing the document contents for users to backtrack, find and back up the pictures in the bookkeeping details;

2). After the user downloads the APP, installs it and starts it, we will apply for the "start-up" permission, use the three-party push service, and activate the process when the device starts to receive the APP real-time push system message to remind you to keep an account or send you marketing information. If your device is an Android system, you may not agree to provide this authorization or turn off message notification in the device settings.

3). After the user downloads the APP, installs it and starts it, we will apply for the permission to "display the system window" to remind the APP of abnormal operation and Operation failure. We will apply for the permission of "The process will still run after the mobile phone screen is closed" to avoid frequent App startup. We will apply for the permission of "reading program running log,Used to locate App running problems.

4). After the user downloads the APP and starts it, we will apply for the "Get Task Information" permission to determine whether the current process is the main process and prevent some SDKs from initializing errors in non-main processes.

5). After the user downloads the APP, installs and starts it, we will apply for the permission of "using the system download manager" to protect the user's data security and fix serious problems in time. The APP will guide the user to update the application version when necessary. The user can use the download manager provided by Android system to download and manage the new version of the application (this is limited to Android users).

6). After the user downloads the APP, installs and starts it, we will apply for the permission of "not displaying the notification of the download manager" so that when the APP is updated, the user's use of the APP function will not be affected or interrupted due to the error of the download manager (this is limited to Android users).

7). After the user downloads the APP and starts it, we will apply for the "change thread priority" permission to increase or decrease the priority of the current thread and process (this is limited to Android users).

8). After the user downloads the APP for installation and actively authorizes it, we will apply for the "install software package" permission, which is used for advertising and guiding the user to update the application version scenario, allowing the installation of new applications, and the user can also choose not to install (this is limited to Android users).

9). After the user downloads the APP and installs it and actively authorizes it, we will apply for the permission of "reading the status and identity of the mobile phone" or the similar permission of your device, and obtain the user's IP and unique identification of the device, including IMEI,AndroidID,Serial Number, for wind control and anti-fraud,Ensure the security of user accounts and transactions.

10). After the user downloads APP installation and actively authorizes, we will apply for "Mount External Memory Card" and "Write External Memory Card" permissions for the following scenarios:(1) Write App interface cache data for subsequent reading of cache data to improve user experience;(2) Cache user login status so as to keep login when entering app next time;(3) Write a local file when taking photos and uploading for subsequent reading and uploading.

11). After users download APP installation and actively authorize, we will apply for "read external memory card" permission for the following scenarios:(1) read cached page data to save network traffic requests;(2) Read cached user login status to avoid repeated login;(3) Read locally saved files when taking photos and uploading.

12). When users need to call online customer service after downloading APP, we will apply for "dial phone" permission to help users quickly dial the customer service hotline number listed on APP.

13). After the user downloads the APP installation and actively authorizes it, we will apply for the "Access network connection" permission to allow the server data to be obtained through the network connection. When requesting server data, we obtain network access IP address information (including operator information) and record network access logs for network security maintenance.

14). After the user downloads the APP installation and actively authorizes, we will apply to view the "Access network status", apply to view the "WIFI status" and "obtain WIFI connection change" permissions, and obtain the network type, network status, wifi name, IP address, wifi MAC address, installed APP information, OAID and wifi connection status used by the user,Used to optimize network data transmission and wind control anti-fraud. At the same time, the "Allow programs to write to the network GPRS access point" setting will be obtained to optimize the network speed.

Third-party login: When you use the third-party login function, it will be realized through WeChat SDK and QQ Internet SDK. These SDK will directly collect your mobile network and device information (including device model, operating system, WeChat software version number, access method, type and status). Such information is necessary for third-party login.

When you interact with our affiliates and trusted third-party partners, in order to jointly provide services to you and improve the quality of services, you agree and authorize us to collect the necessary information related to this service that you legally retain or form in our affiliates and trusted third-party partners.

Purpose/purpose of collecting personal information: to better determine the update direction of functional content and provide you with a better service experience, analyze and count your usage data with the help of AU. We uniquely identify users by collecting Unique Device Identification codes for statistics such as user additions. In special cases (such as when the user uses a tablet device or TV box),If a device cannot be identified by a unique device identifier, we will use the device Mac address, installed APP information, and OAID as the user's unique identifier to provide statistical analysis services.

Types of personal information collected: SDK/API, JS code version, browser, internet service provider, ip address, platform, timestamp, application identifier, application version, application distribution channel, independent device identifier, iOS advertisement identifier (IDFA), Android advertiser identifier, MAC address, installed APP information, OAID, IMEI/android id/IDFA/OPENUDID/GUID, ICCID device, simcard IMSI information, device serial number information, sensor parameters, terminal manufacturer, terminal operating system version, session start/stop time, language location, time zone and network status (WiFi, etc.), hard disk, CPU and battery usage

Purpose/purpose of collecting personal information: to provide you with convenient sharing services and support you to share content with Tencent QQ/WeChat; Types of personal information collected: QQ/WeChat authorized information, mobile phone operator, mobile phone advertisement identifier (IDFA), network information, mobile phone brand, model, IMEI, network connection, IP, MAC address, installed APP information, permissions required by OAID: network status permissions, external storage access rights, recording rights

You need to collect your device Mac (BSSID of WiFi) address, Unique Device Identification Code (IMEI/androidID/IDFA/OPENUDID/GUID, SIM card IMSI information) to provide statistical analysis services, and calibrate the accuracy of report data through geographical location,Provide basic anti-cheating capabilities.

(1) The account and registration-related information you provide to our affiliated companies is used for account opening and registration between us and the affiliated company platform.

You need to collect your device Mac address, installed APP information, OAID, Unique Device Identification Code (IMEI/androidID/IDFA/OPENUDID/GUID, ICCID, SIM card IMSI information) to provide statistical analysis services, and calibrate the accuracy of report data through geographical location,Provide basic anti-cheating capabilities.

com.tencent.smtt(TBS; tencent browser; tencent X5 browser) so that you can better open the h5 activity page in our products,

com.qiniu (seven cows; PLPlayerkit;PLShortVideoKit;Qiniu) to facilitate the storage of attachment pictures and other content that you upload to the system,

com.qiyukf.unicorn (seven fish) online customer service sdk, our products integrate Netease seven fish SDK provided by Hangzhou NetEase Zhiyun Technology Co., Ltd. Seven fish SDK needs to collect network information (network status, wifi information, IP address) to understand the network status and changes of the equipment,So as to maintain the stability of the network connection to the greatest extent. When the sensor information permission is turned on, the distance sensor information will be collected to sense whether the mobile phone is lifted to the ear and provide a better voice chat experience. You can directly contact our sales/customer service through this function in the system to solve the problem,

Types of personal information collected: personal image information, uid, nickname, openID, etc.

Purpose/purpose of collecting personal information: When you purchase a product or service on the platform, to facilitate you to complete the relevant payment behavior

Types of personal information collected: Alipay payment authorization information, Mac address, installed APP information, OAID, IMEI, Android_id, IMSI

Permissions to be obtained: network status permission, external storage access permission

Types of personal information collected: personal image information, uid, nickname, openID, etc.

Please note that in the following cases, the collection and use of personal information does not require your prior authorization and consent:

a. Directly related to national security and national defense security;

b. Directly related to public security, public health, major public interests;

c. Those directly related to the investigation, prosecution, trial and execution of sentences;

d. In order to protect your or other personal life, property and other major legitimate rights and interests, but it is difficult to obtain my consent;

e. The personal information collected is open to the public on your own;

f. Collecting personal information from information that is legally publicly disclosed, such as legal news reports, government information disclosure and other channels;

g. Necessary to provide you with products or services at your request;

h. It is necessary to maintain the safe and stable operation of the products or services provided, such as the detection and disposal of product or service failures;

i. Necessary for legitimate news reporting by news organizations;

j. When it is necessary for an academic research institution to carry out statistics or academic research based on the public interest and provide the results of academic research or description to the outside world, the personal information contained in the results is de-identified;

k. Other circumstances stipulated by laws and regulations.

1. In order to better provide you with this service, and for our own risk prevention and control, and to protect the legitimate rights and interests of all parties, you agree and authorize us to use your information for the following purposes when necessary:

(1) To achieve the purposes described in "How We Collect Information" in this Privacy Policy;

(2) In order to protect the security of your account, identify and verify your identity and bank card;

(3) To provide you with services suitable for you, and to continuously maintain, improve and optimize these services;

(4) to prevent, detect, investigate fraud, compromise security, illegal or violation of agreements, policies or rules with us or our affiliates, in order to protect the legitimate rights and interests of you, our other users, us or our affiliates;

(5) We may combine information from one service with information from other services in order to provide you with better services, content and advice;

(6) comply with the disclosure requirements of any laws and regulations and other regulations that are binding on us, our affiliates or our trusted third-party partners;

(7) Other uses authorized by you in this privacy policy or other agreements.

After collecting your personal information, we have the right to mine, analyze and use the anonymized user database (including commercial use), and have the right to make statistics on the use of products/services and share desensitized statistical information with the public/third parties.

3. When we want to use information for other purposes not specified in this policy or when we want to use information collected for a specific purpose for other purposes, we will ask for your consent in advance. After seeking your consent, the other agreements of this Privacy Policy also apply to such information.

We promise to keep your information confidential. Unless otherwise provided by laws, regulations and regulatory authorities, we only share your information with third parties in the following situations, including our affiliated companies, cooperative financial institutions and other partners. Before providing information to a third party, we will use commercially reasonable efforts to evaluate the legality, legitimacy, and necessity of the information collected by the third party.We will sign relevant legal documents with third parties and require third parties to comply with laws and regulations when processing your personal information, and try our best to require third parties to take protective measures for your information.

(1) Some products or services may be provided by third parties or jointly provided by US and third parties. Therefore, only by sharing your information can you provide the products or services you need. When you purchase investment products through bookkeeping, we need to provide your valid certificate information and contact information to the partner organization to ensure that you complete the compliance requirements of the purchase process and ensure the accurate registration of your assets;

(2) If you choose to participate in the lottery, competition or similar promotion activities jointly carried out by US and a third party, we may share with them the information generated during the activity and necessary to complete the activity, so that the third party can timely distribute prizes to you or provide services for you. We will follow the requirements of laws and regulations or national standards,Clearly inform you on the activity Rules page or through other means what personal information you need to provide to the third party;

(3) In order to verify the authenticity of the information you provide and obtain your credit information, when you need to verify your identity and credit information when you use loan information services or other transaction services, we will share some of your information with the third party to verify or obtain your credit information. At this time, we will ensure that the third party complies with laws and regulations and strictly performs confidentiality obligations to carry out verification work;

(4) With your explicit consent in advance, we will share your information with third parties within the scope of your authorization within the scope permitted by laws and regulations and without violating public order and good customs;

When you complain to others or are complained by others, in order to protect the legitimate rights and interests of you and others and maintain the green trading environment, we may provide your name, valid document number, contact information and complaint related content to the consumer protection department and regulatory authorities in order to resolve complaints and disputes in a timely manner, except for those expressly prohibited by laws and regulations.

We will not transfer your personal information to any company, organization or individual, except in the following cases:

In order to comply with the mandatory disclosure requirements of national laws and regulations and regulatory policies, we will disclose some of your personal information to the regulatory authorities or other agencies entrusted by the regulatory authorities. In addition, in principle, we will not disclose your information publicly. If public disclosure is necessary, we will inform you of the purpose of public disclosure, the type of information disclosed and the sensitive information that may be involved,With your explicit consent.

In order to improve the efficiency of information processing, reduce the cost of information processing, or improve the accuracy of information processing, we may entrust our competent affiliates or other professional institutions to process user information on our behalf, but we will require the entrusted company to abide by strict confidentiality obligations and take effective confidentiality measures through written agreements and on-site audits,It is prohibited to use this information for purposes not authorized by you. When the entrustment relationship is terminated, the entrusted company no longer saves personal information. We are committed to being responsible for this.

In accordance with relevant laws and regulations, regulatory documents, national standards, and regulatory requirements, in the following circumstances, we may share, transfer, and publicly disclose your personal information without obtaining your consent:

We respect your concerns about your personal information and provide you with ways to manage your personal information. You have the right to inquire, correct, manage and delete your information and protect your privacy and security.

Except as provided by law and regulation, whenever you use our Services, we strive to provide you with smooth access to your personal information. You can exercise your access rights as follows:

(1). Account information: If you wish to access or edit the personal information in your account, change your password, add security information, etc., you can do so on the Web or APP side.

(2). Use information: You can check your published information, search keyword records, etc. on our web page or APP.

You have the right to make corrections or updates when you need to update your personal information, or when we find that we have processed your personal information incorrectly. You can make corrections on the relevant web page or APP, or submit your correction application to us through feedback, error reporting, customer service and other channels. Before you make updates or corrections,We may ask you to verify your identity before processing your request.

You can make a request to us to delete your personal information in the following situations:

If we decide to respond to your request for deletion, we will also notify the entities that obtained your personal information from us to delete it in a timely manner, unless otherwise provided by law or regulation, or these entities have your independent authorization.

When you delete information from our services, we may not immediately delete the corresponding information from the backup system, but will delete the information when the backup is updated. Before you request a deletion, we may ask you to verify your identity before we process your request.

We provide you with the function of applying for cancellation or customer service channels. You can click the cancellation button through "My-Settings-Account and Security" or call the customer service number (4006-360-658) to apply for cancellation. Once you cancel your account, you will not be able to use the services associated with your account, so please exercise caution.Unless otherwise provided by laws and regulations, we will stop providing you with the corresponding services after the account is canceled.

Each business function requires some basic personal information to complete. For the collection and use of additional collected personal information, you can give or withdraw your authorized consent at any time. You can make a request by calling customer service. When you withdraw your authorization, we will no longer process the corresponding personal information. But your decision to withdraw your consent,Does not affect the previous processing of personal information based on your authorization.

You have the right to obtain a copy of your personal information, and you can request a copy of your personal information by calling customer service. Under the premise of technical feasibility, such as data interface matching, we can directly transfer a copy of your personal information to the third party designated by you at your request. When you make a request,We may ask you to verify your identity before processing your request.

In accordance with the requirements of laws and regulations, we will not be able to respond to your request in the following cases:

1. When you use the platform services, in order to make your access experience easier, we may use various technologies to collect and store information. In the process, one or more cookies or anonymous identifiers may be sent to your device. This is to understand your usage habits and save you the need to repeat steps such as entering registration information,Or help determine the security of your account.

2. When you use the platform services, we may also use cookies and similar technologies to collect your information for understanding your preferences, consulting or data analysis, improving product services and user experience, improving advertising effectiveness, timely detection and prevention of security risks, and providing better services for users and third-party partners.

We will not use cookies for any purpose other than the purposes described in this Privacy Policy, and you can retain or delete cookies according to your preferences. You can clear all cookies stored in the software, and your relevant information will be deleted when you manually clear them.

1. Your personal information will be stored within the territory of the People's Republic of China and will not be transferred across borders. If the new business involves cross-border business and we need to transmit relevant personal information collected in China to overseas institutions, we will implement it in accordance with laws and regulations and relevant regulatory authorities, and explain to you the purpose of personal information leaving the country and the personal information involved. Type,With your consent, and through effective measures such as signing agreements and on-site verification, overseas institutions are required to keep your personal information confidential.

2. Unless otherwise provided by law, we will keep your personal information for the period necessary for the purposes described in this Privacy Policy, unless required or permitted by law to retain such information for a longer period.

After your personal information is anonymized, it will form data that can be used and circulated. We do not need to notify and obtain your consent for the storage and processing of such data.

3. If a Personal Information security incident unfortunately occurs, we will promptly inform you of the basic situation and possible impact of the security incident in accordance with the requirements of laws and regulations, the handling measures we have taken or will take, and you can independently prevent and reduce Risk recommendations, remedial measures for you, etc. We will promptly inform you of the relevant information of the incident by means of in-station notification, SMS notification, telephone, email and other contact information reserved by you,When it is difficult to inform one by one, we will issue the announcement in a reasonable and effective way.

We will deal with security risks such as system vulnerabilities, network attacks, virus attacks and network intrusions in a timely manner. In the event of an incident that endangers network security, we will take appropriate remedial measures in a timely manner in accordance with the emergency plan for network security incidents, and report to the relevant competent authorities in accordance with the regulations.

If our physical, technical, or management protection facilities are damaged, resulting in unauthorized access to information, public disclosure, tampering or damage, resulting in damage to your legitimate rights and interests, we will bear the corresponding responsibility in strict accordance with the provisions of the law.

1. Account information is very important personal information, you can only use your password to use your account. If you disclose your password, you may have lost your identification information and there may be consequences to your detriment. Therefore, please properly set up and keep your account information on the platform.

2. We have appropriate industry-standard security measures to ensure that the personal information you provide is subject to unauthorized access, public disclosure, use, modification, damage or loss. We will take all reasonable and feasible measures to protect your personal information. These security measures include backing up data to other servers and encrypting user information to ensure data confidentiality;We will use trusted protection mechanisms to prevent malicious attacks on data; We will deploy access control mechanisms to ensure that only authorized personnel can access personal information; And we will conduct security and privacy protection training courses to enhance employees' awareness of the importance of protecting personal information.

3. Although we have these security measures, please note that there are no "perfect security measures" on the information network ". If you find that your personal information is leaked, especially your account or password, you should immediately contact us through the platform customer service so that we can take corresponding measures.

4.In the unfortunate event of a personal information security incident, we will, in accordance with the requirements of laws and regulations, promptly inform you of the basic situation and possible impact of the security incident, the disposal measures we have taken or will take, suggestions that you can independently prevent and reduce risks, remedial measures for you, and so on. We will promptly inform you of the event by mail, letter, telephone, push notification, etc,When it is difficult to inform the subject of personal information one by one, we will take a reasonable and effective way to issue an announcement. At the same time, we will also take the initiative to report the handling of personal information security incidents in accordance with the requirements of the regulatory authorities.

The implementation, interpretation and dispute resolution of this Privacy Policy shall be governed by the laws of the People's Republic of China.

If you and we have any dispute over the content of this privacy policy or its implementation, the two parties shall resolve it through friendly negotiation; If the two parties cannot resolve the dispute through negotiation, the two parties agree to submit the dispute to the people's court with jurisdiction where the defendant is located for settlement.

1. The platform attaches great importance to the protection of minors' personal information. If you are a minor under the age of 18, it is recommended that you ask your parents or guardians to read this agreement carefully and use the services of the platform or provide information to the platform with the consent of your parents or guardians. For the collection of personal information of minors with the consent of their parents or guardians to use the products or services of the platform,The platform will only use, share, transfer or disclose this information if permitted by laws and regulations, the explicit consent of parents or guardians, or if necessary for the protection of minors.

2. In particular, if you are a child under the age of 14, please inform your parents or guardian to carefully read this Agreement and seek the consent and guidance of your parent or guardian before you use the platform services and submit personal information. Children under the age of 14 may use the features or services provided by the Platform only with the consent of your parent or guardian to this Agreement.In order to strengthen the protection of children's personal information, in addition to other provisions under this Agreement, the Platform will follow the principles of due necessity, informed consent, clear purpose, security and legal use, and protect the personal information of children in accordance with the relevant laws and regulations of the State and the provisions of this Agreement. The details are as follows:

(1) The platform stores the collected children's information and the personal information of users other than children separately. The platform will take encryption measures not lower than the same industry level to store children's information to ensure the safety of children's information.

(2) The platform will designate a special person to be responsible for the protection of children's information. Any staff member who accesses children's information must be approved in writing by the child information protection personnel (including electronic information interaction methods such as e-mail, SMS, WeChat, etc.), and a written record of the access situation shall be formed; At the same time, technical measures no lower than the level of the same industry shall be adopted,Avoid illegally copying and downloading children's information.

(3) If the platform transfers children's information to a third party, in addition to obtaining the consent of the child's parents or guardians again and meeting the above principles, it will conduct a safety assessment on its own or entrust a third-party organization and form a written assessment report.

(4) If children's information is collected or used without the consent of their parents or guardians, the platform will delete the relevant information as soon as possible after receiving the notice from their guardians.

We may modify this Privacy Policy from time to time, and the changed Privacy Policy will be notified by platform announcement, push notification or other appropriate means. If you do not agree to any amendments to this Privacy Policy, you should immediately stop using the platform services and contact us through the platform customer service.

If you have any questions, comments or suggestions on this privacy policy, or if you have any comments or suggestions on the collection, use, sharing, access, deletion, correction and other related matters of your personal information when using the platform services, or if you encounter any problems when using the platform services, you can contact us through the customer service phone number or email address published on the platform.

(1) We remind you that if your feedback involves your personal information, especially your sensitive information, please do not disclose it directly by phone or email, and we will ensure the safety of your personal information. Further communication with you.

(2) In some cases, in order to protect the security of your personal information, we may require you to provide written requests or otherwise prove your identity. We will respond to your request within 15 days after receiving your feedback and verifying your identity.

If you are not satisfied with our response, you can also complain and report to the national network information Department and other regulatory authorities.

When you have personal information-related issues or other complaints, suggestions, etc., you can contact the platform in the following ways. The platform will review the content as soon as possible and respond to your questions, complaints, and suggestions within 15 working days:

Our registered address/Common Office Address: Room 901, Building 1, 188 Zijinghua Road, Xihu District, Hangzhou City

Customer service phone number and email address, feedback channels for user complaints: 4006-360-658,kf@cash360.cn

In order to help you better understand this Privacy Policy, some of the terms in the foregoing terms are explained as follows:

•A unique device identifier is a unique device identifier, a string of characters programmed into the device by the device manufacturer that can be used to uniquely identify the device (e. G., International Mobile Equipment Identity IMEI number, network device hardware address MAC, etc.). Different device identifiers will vary in terms of validity, whether the user can reset them, and how they are obtained.A corresponding device may have a plurality of different unique device identifiers. The unique device identifier can be used for a variety of purposes, including security and fraud detection, synchronizing services such as the user's email inbox, recording the user's preferences, and providing relevant advertising.

•Cookies are a mechanism that supports server-side (or script) storage and retrieval of information on the client, extending Web-based client/server applications by adding simple, persistent client state. The server sends a status message while returning an HTTP object to the client,And saved by the client. The valid URL range in this state is described in the state information. Thereafter, all HTTP requests in the range initiated by the client will return the current value of the state information from the client to the server, which is called a cookie.

•Anonymization refers to the process in which the subject of personal information cannot be identified and the processed information cannot be recovered through technical processing of personal information.

•-Affiliates are the sole or collective name of each platform operator and the companies associated with the platform operator. "Affiliation" means, for any subject (including an individual, company, partnership, organization or any other entity), a subject that it directly or indirectly controls, or a subject that directly or indirectly controls,Or directly or indirectly controlled by the same entity as it. The aforementioned "control" means, through the holding of voting rights, contracts or other means, directly or indirectly, the power to direct or instruct others to direct the management and decision-making of the relevant subject or other relationships that in fact constitute actual control.

2. Examples of personal information and personal sensitive information (The following is not all personal information we collect, only for example)

Examples of personal information

Basic personal information: name, mailing address, telephone number

Personal biometric information: facial features

Personal identity information: valid identity documents (ID card, passport, driver's license)

Network identity information: IP address, email address

Personal property information: Bank account number, bank flow, position information, credit card bill.

Personal communication information: SMS, MMS, communication records

Contact Information: Address Book

Personal Internet records: website browsing records, click records

Personal common device information: hardware serial number

Personal location information: whereabouts, precise positioning information, latitude and longitude

Examples of sensitive personal information

Personal identity information: valid identity documents (ID card, passport, driver's license)

Personal biometric information: facial features

Network identity information: IP address, email address

Personal property information: Bank account number, bank flow, position information, credit card bill.