Privacy Policy
Effective date: 2017-10-30
The Privacy Policy introduces the personal information type of the user (“You”) collected by China Securities Credit Investment Co., Ltd. and its affiliates (collectively referred to as “China Securities Credit Investment”), collection methods, information application methods and scope, information disclosure and sharing, information storage and measures taken by China Securities Credit Investment for the purpose of protecting such individual information. Before you apply for or use any China Securities Credit Investment-related products and services, please make sure to read this Privacy Policy carefully, especially provisions in bold. If you use China Securities Credit Investment website, software or other products or services, it means that you have read and agreed this Privacy Policy.
I. Types and methods of the information collection
Your personal information may be obtained by China Securities Credit Investment in the following activities:
- (1) Visiting China Securities Credit Investment official website and using software applications;
- (2) Credit-related activities, including credit assessment, credit enhancement, asset disposal, data-driven risk control, etc.;
- (3) Users' inquiry or consultation;
- (4) Questionnaires;
- (5) Other activities.
The types of personal information which may be obtained by China Securities Credit Investmen include:
- 1. Your identity information, such as name, user name, ID number, ID type, telephone number, residence address, contact address, e-mail address, etc.;
- 2. The device information and operation log when you visit the China Securities Credit Investment official website and mobile APP, and the geographic location information provided when you use any functions of China Securities Credit Investment applications by your mobile device;
- 3. The necessary information and data provided or generated when you apply for and use China Securities Credit Investment-related services, such as your relevant account verification information and asset information;
- 4. The necessary China Securities Credit Investment-related information and data (such as your account information, asset information, agreement contents, agreement implementation, behavior data, etc.) retained and formed at China Securities Credit Investment and its partners (including but not limited to security companies, trust companies, banks, guarantee companies, microfinance companies (including Internet microfinance companies), consumer finance companies and companies cooperated with China Securities Credit InvestmentI);
- 5. With your written consent, your necessary credit information may be obtained from the personal credit information database of the People's Bank of China, as well as legally established credit reporting agencies, credit rating agencies, identity information verification agencies, data analysis and processing agencies, or similar agencies approved by relevant laws and regulatory authorities (hereinafter collectively referred to as "Credit service agency", including but not limited to Qianhai Credit, Baidu Credit, Zhima Credit, Shanghai Credit Information Services, etc.), such as your credit records, credit scores and credit reports in the agencies mentioned above;
- 6. The information disclosed to the public legally by yourself or other agencies, such as household registration information, business information, litigation information, implementation information, and illegal and criminal information;
- 7. The information provided when you answer questionnaires;
- 8. With your written consent, your personal information may be obtained from natural persons, legal representatives and other organizations which have retained your personal information legally.
II. Application methods and scope of information
In order to serve you better, minimize China Securities Credit Investment risks and protect legal rights of all concerned parties, China Securities Credit Investment may use your information for the following purposes:
- 1. To protect your account safely, avoid fraud and identify and verify your identity, China Securities Credit Investment may ask third parties to verify your information, for example, asking legal information verification agencies to verify your information which has been provided to China Securities Credit Investment;
- 2. In case you provide your personal information to be processed by the data processing company entrusted by China Securities Credit Investment, China Securities Credit Investment guarantees that the entrusted data processing company shall bear the same confidential responsibility as ourselves;
- 3. Data analysis, including but not limited to personal credit assessment, qualification assessment, data risk control, etc.;
- 4. Record and manage the status, transaction information and historical records of your access and service acceptance. China Securities Credit Investment may perform the statistical calculation of China Securities Credit Investment services you have used, and may share such statistical information with the public or third parties so as to show the overall application trend of China Securities Credit Investment products or services, but these statistical information will not include any information related to your identity identification information and such information will not be restored;
- 5. Prevent, discover or investigate any fraud-related actions, illegal actions or other actions against China Securities Credit Investment agreement, policies or regulations so as to protect your legal rights as well as legal rights of other China Securities Credit Investment users and China Securities Credit Investment;
- 6. China Securities Credit Investment may combine personal information obtained from a kind of services with information obtained from other kind of services so as to provide you with tailored service. In order to let you know and understand the services of China Securities Credit Investment, we may send you the notification of service status, marketing activities and other commercial electronic information;
- 7. Ask you to participate in the investigation of China Securities Credit Investment products and services;
- 8. Other purposes in accordance with laws and regulations or with your consent or authorization.
III. Information disclosure and sharing
China Securities Credit Investment will not sell your personal information to any individuals or parties, but China Securities Credit Investment may share your personal information with third parties in the following conditions:
- 1. Obtain your explicit consent or authorization in advance;
- 2. In order to provide or recommend the services and/or products of China Securities Credit Investment affiliates, we may offer your personal information to China Securities Credit Investment affiliates. In addition, you agree that China Securities Credit Investment affiliates can send you the notification of service status and electronic information related to marketing activities and other businesses through email, internal messages, SMS and faxes;
- 3. In case the information is provided by the partners of China Securities Credit Investment or its affiliates, or provided jointly by China Securities Credit Investment, its affiliates and their partners during the service and/or product and/or promotion activities, China Securities Credit Investment will share and use such information with the information provider;
- 4. In case you violate any laws, regulations and this agreement, you provide your personal information for third parties, including your transaction counterparty and partners of China Securities Credit Investment and its affiliates (including but not limited to law firms and collection companies) for risk management, collection, litigation, etc.;
- 5. In order to establish a credit system, we will send your credit information and data (including default information) to credit service agencies according to laws without any notification;
- 6. Only if your information is shared, we can provide the service as required;
- 7. Deal with your disputes with others upon your needs;
- 8. Within the permitted range of laws and regulations, protect the legal rights of China Securities Credit Investment, partners of China Securities Credit Investment, other China Securities Credit Investment users and you;
- 9. Provided that your interests have not been damaged, promote social public interests according to laws and regulations;
- 10. Your personal information has to be shared in order to comply with applicable laws and regulations, court decisions, regulations of other legal procedures, and requirements of relevant government agencies, regulatory authorities and industrial associations. China Securities Credit Investment reserves the right to transfer the information related to you when it sells or transfers all or a part of its own businesses or assets, including reorganization, dissolution or liquidation.
IV. Information protection and storage
To protect your information from being disclosed, damaged or lost, China Securities Credit Investment takes various reasonable physical, electronic and management security measures to protect your information, such as SSL, information encryption storage, data center access control, dedicated network channels and proxies. China Securities Credit Investment strictly manages employees or outsourcers who may be exposed to your information. For the needs of security and backup, China Securities Credit Investment may save your information on the servers of China Securities Credit Investment affiliates with appropriate security measures.
V. Special agreement on the privacy of minors
China Securities Credit Investment attaches great importance to the protection of minors' personal information. If you are a minor, we suggest you ask your guardian to carefully read this policy and only use the services of China Securities Credit Investment or provide information to China Securities Credit Investment with the consent of your guardian.
VI. Update of this Privacy Policy
This Privacy Policy may be revised by China Securities Credit Investment and the revised version will be published on China Securities Credit Investment’s website in real time. If you continue to visit our website or use any of our products or services provided by China Securities Credit Investment, it means that you have fully read, understood and accepted the revised Privacy Policy.
VII. Independence of provisions
If any provision or any part of this Privacy Policy is declared or judged to be against laws, invalid or unenforceable, then other provisions of this Privacy Policy will not be affected for implementation. This Privacy Policy can be interpreted after such provision which is against laws, invalid or unenforceable is deleted.
VIII. Contact us
If you have any questions about this Privacy Policy or about your personal information when you use the services of China Securities Credit Investment, you are most welcome to contact us and leave your valuable comments.