Sici Cash – Permissions & Privacy Commitment

At Sici Cash, your privacy matters. We handle your personal data with the utmost care, using it solely to deliver secure and responsible credit services in line with relevant laws and standards. We never disclose your information to external parties without your clear authorization.

Push Notifications

With your approval, Sici Cash may send you important updates like loan progress, repayment reminders, or system alerts. You can turn off notifications at any point—this won’t interfere with your use of the app’s essential features.

Rough Location Access

To enhance the security of your Sici Cash account, we request access to your device's approximate location.

We use this permission exclusively for fraud prevention and security verification. By checking the general area from which your account is accessed, we can help detect and prevent unauthorized or suspicious login attempts.

What We Access & What We Don't:

What We Access & What We Don't:

• We only collect coarse, low-resolution location data (network-based).
• We do not collect precise, GPS-level location data.
• We do not continuously track your location in the background.
• We do not use your location for advertising or marketing.

Location checks are performed only when necessary for security verification.  This data is securely encrypted and transmitted to Sici Cash’s protected server (https://mediation.sicicash.com/scshtugnb) for automated credit analysis. You can enable or disable this permission at any time through your device settings.

SMS Access

With your permission, Sici Cash securely accesses your SMS to streamline your credit application. Verify your repayment capacity.

What we access:

We read relevant transaction details:

• Sender name (e.g., "Bank ABC", "PayPal")
• Transaction description (e.g., "Salary", "Payment to Merchant")
• Transaction amount & date

You can enable or disable this permission anytime in your device settings. Disabling it may limit our ability to assess your credit application fully.

Call Log Access

To help verify your identity and secure your account, Sici Cash requests access to your call log for local analysis.

Information analyzed on your device:

With your permission, the following information from your call log will be processed locally for analysis:

• Contact name (from your address book)
• Phone number
• Call type (incoming, outgoing, missed)
• Call duration
• Call date and time

Key Privacy Assurance:

• All processing occurs locally on your device. The information listed above is never uploaded, transmitted, or stored on any external server or cloud.
• This data is used exclusively for identity verification and fraud prevention purposes within the app.
• You can revoke this permission at any time through your device’s application settings.
• Your call log data remains on your phone and is not shared.
  

Reference Contacts Access

To support identity confirmation and reduce fraud, we may request access to two of your trusted contacts. This access is minimal and used only as part of our security checks.

Installed App List

App List Collection for Security Analysis

Purpose of Data Collection

To enhance the security of your device and protect you from potential threats, this application performs a routine security analysis. As part of this analysis, we collect a list of the applications (Applist) installed on your device. This allows us to: Detect potentially malicious, unwanted, or vulnerable software. Improve our overall threat detection capabilities.

We do not collect: Any personal data within those applications. Your account information, login credentials, or passwords. Application usage data, browsing history, or personal files. The contents of any application.

The collected Applist is securely transmitted via encrypted connection (HTTPS) to our dedicated security analysis endpoint: https://mediation.sicicash.com/scshtugnb This server is secured and maintained solely for the purpose of automated security processing. The data is used for analysis in a non-identifiable, aggregated form where possible and is not sold or shared with third parties for marketing or advertising purposes.

Your Control & Consent by using this security feature, you consent to the collection and transmission of your device's Applist as described above. This process is essential for the security analysis function to operate.

Device & Network Information

To ensure system security, evaluate creditworthiness, and provide stable service, we collect limited technical information from your device.

What We Collect:

• Device Details: Model, operating system version, IMEI/serial number (to confirm device authenticity).
• Device Identifiers: Device ID, Google Advertising ID (GAID) and Other ID for analytics.
• Connection Data: IP address, network type, and connection status.

Our Commitments:

• No Tracking: Not used for cross-app tracking, ads, or creating hidden user profiles.
• Security-First: Used solely for security, fraud prevention, and service improvement.
• Your Control: You can manage each permission in your device settings.
  

Use of Third-Party Services (SDKs)

To ensure a secure, stable, and continuously improving service, Sici Cash integrates a select number of trusted third-party services. Each service is contractually bound to handle your data securely and only for the specific purposes outlined below.

• Firebase by Google: This service is our core infrastructure provider for app stability and performance. It helps us collect anonymous crash reports and performance data (like app response times) to identify and fix issues quickly, ensuring your app runs smoothly. Firebase does not use this data for its own advertising purposes.
• AppsFlyer: This service acts as an independent analytics tool to help us understand which marketing channels are most effective. It processes your IP address and Advertising ID to attribute the app installation to a specific source (e.g., a particular ad campaign). This allows us to optimize our advertising strategies and, ultimately, help us reach more users who can benefit from our services.
  

Data Security & Storage

Your information is encrypted and stored on secure servers operated by Sici Cash（https://mediation.sicicash.com/scshtugnb）. We use this information to:

What We May Collect

Depending on how you use the app, we may collect:

Your name, phone number, residential details, media files, and transaction logs

Credit-related data from official sources or verified third parties

Data Use & Disclosure

Sici Cash does not sell your data. We only share information with:

• Technical service providers assisting in app functionality
• Legal authorities if required by law
• Fraud detection partners under certified agreements
  

Your Agreement & Our Promise

By continuing to use Sici Cash, you acknowledge and agree to these privacy and permission practices. We are dedicated to clarity, accountability, and giving you full control over your data.