InsCash Privacy Policy
By accessing the InsCash mobile application ("App") or any related services ("Services"), you agree to be bound by this Privacy Policy. Your use of our platform constitutes consent to InsCash ("we," "us," or "our") collecting, using, and disclosing your personal information as described herein. This policy is incorporated into and governed by our Terms of Use.
Introduction
The InsCash mobile application enables users to apply for short-term loans ("Loans") provided by us or our partner financial institutions ("Lenders"). To facilitate loan processing, we are authorized to collect, verify, and manage your personal data as outlined below. This Privacy Policy explains how we handle your information—please review it carefully.
Information We Collect
When you register, we collect:
- Contact details (phone number, email)
- Identity verification data (name, age, ID documents)
- Financial information (SMS transaction logs, credit bureau data)
- Device permissions (call logs, contacts, installed apps, calendar) for security and service optimization
- Biometric data (photos/videos) for identity verification
- You authorize this collection by using our Services.
Data Usage & Protection
- Phone Number
What We Collect: Your registered mobile number
Purpose:
- Account authentication and security
- Fraud prevention and identity verification
Data Handling:
- Encrypted and stored at https://www.inscash.cc
- Retained for active account period
- Deleted upon account closure or after mandatory retention period
- SMS Access
What We Collect: Financial transaction messages (bank alerts, payment notifications); Loan-related SMS
Purpose:
- Creditworthiness assessment
- Fraud detection
Data Handling:
- Only processes financial SMS (personal messages excluded)
- Encrypted upload to https://www.inscash.cc
- Automatic deletion after 48-hour assessment period
- Extracted data retained for credit scoring only
- Call Log Access
What We Collect:
- Call metadata (numbers, duration, timestamps)
- Verification call records
Purpose:
- Device ownership confirmation
- Fraud pattern detection
Data Handling:
- No call content recorded
- Encrypted transmission to https://www.inscash.cc
- Deleted within 72 hours post-verification
- Contact List Access
What We Collect: Designated emergency contacts (names/numbers)
Purpose:
- Identity verification
- Fraud prevention
- Emergency communication
Data Handling:
- Only accesses 2 specified contacts
- Encrypted upload to https://www.inscash.cc
- Deleted after verification completion
- No other contacts accessed
- Calendar Access
What We Collect: Repayment due dates (system-generated)
Purpose:
- Payment reminders
- Financial behavior analysis
Data Handling:
- Creates repayment events only
- Encrypted transfer to https://www.inscash.cc
Deleted:
- Upon full repayment
- Within 24 hours if loan not approved
- At account closure
- Photo/Video Collection
What We Collect:
- Live selfies
- ID document images
Purpose:
- KYC compliance
- Biometric verification
Data Handling:
- AES-256 encrypted storage
- Restricted access
Deleted:
- 24h post-verification
- Immediately at account closure
- 72h if verification fails
- Installed Applications
What We Collect:
- App names/versions
- Installation dates
Purpose:
- Malware detection
- Fraud prevention
Data Handling:
- Metadata only
- Encrypted transmission
- Deleted within 7 days
Data Sharing
We may share information with:
- Lenders and financial partners
- Legal/regulatory authorities when required
- Successor entities in business transfers
Your Rights
Access and update personal data
Request data deletion (subject to legal requirements)
Withdraw consent (may affect service availability)
Policy Updates
We may modify this policy with notice via platform updates. Continued use constitutes acceptance.
Contact Us
For questions or requests:
Email: help@inscash.cc
By using InsCash, you acknowledge understanding and acceptance of these terms.