Privacy Policy

Introduction

Ready Money ("we") values and protects the personal privacy and information security of all users ("you"). To provide accurate and personalized services, we collect, store, use, manage, and protect your personal information in accordance with this Privacy Policy. By using Ready Money, you acknowledge that you have read and fully understood this Policy and agree to its terms.

Official website: https://www.readymoneygh.com

Data storage and processing address: https://api.readymoneygh.com

We will not disclose or share your information with third parties without your prior consent. If you have any questions, comments, or suggestions, please contact us using the details at the end of this policy; we will respond as soon as possible.

1. Information Collection and Purpose

When you use our products or services, we collect personal information necessary for account opening, identity verification, credit assessment, anti‑fraud, and fund settlement, and use it within the scope permitted by law. All data is securely stored and processed at: https://api.readymoneygh.com

2. Data Collection and Permission Use

To improve clarity, data categories are described together with their permission sources and purposes. "User Information" is listed before "Device Information."

- User Information: education background, marital status, job type, salary level, residential address, emergency contact, full name, ID number, WhatsApp contact, payout method (bank and account number), ID photo, and face photo.

• Permission source: Information you actively provide via forms
• Purpose: identity verification, eligibility assessment, risk control, fund disbursement/collection

- Device Information: device brand, phone model, OS version, screen resolution, advertising ID (e.g., GAID/AAID), network status.

• Permission source: Device information permission
• Purpose: Credit risk assessment, fraud prevention, and device verification

- Location Data: we only obtain coarse/approximate location (e.g., network‑based, non‑high‑precision area info) for address lookup and verification to improve credit risk decisions; precise location is not collected.

• Permission source: Location permission
• Purpose: address verification, risk decisioning

- Camera Information: ID photo and face photo for identity verification.

• Permission source: Camera permission
• Purpose: identity verification, eligibility assessment, risk control

- SMS Information (Financial‑related): processed only in a strictly confidential environment; we handle only SMS related to finance, do not collect non‑financial content, and do not exceed the necessary scope for the stated purposes.

• Permission source: SMS permission
• Purpose: risk assessment and anti‑fraud

- App List: app name, package name, install/update time, version name and code.

• Permission source: App list permission
• Purpose: risk assessment and anti‑fraud

- Network Connection: used for service communication and data exchange.

• Permission source: Network permission
• Purpose: basic network connectivity

3. Information Use, Sharing, and Transfer

We do not share, transfer, or publicly disclose your personal information to any third parties. Exceptions only apply when unavoidable and legally required (and do not constitute commercial sharing to third parties):

• As required by laws, regulations, or compulsory orders from administrative/judicial authorities;
• To safeguard national security, public security, or significant public interests;
• To fulfill your explicitly requested statutory obligations (e.g., necessary verification when exercising data subject rights);
• To protect life, health, or major legitimate rights of you or others when it is difficult to obtain consent;
• As strictly necessary for audits, compliance, or handling security incidents, following data minimization.

4. Information Security Protection

• We adopt industry‑standard physical, electronic, and managerial safeguards (including SSL, encrypted storage, and data center access control) and advanced encryption technologies to prevent information leakage, damage, or loss and to resist malicious attacks.
• We maintain a comprehensive data security management system across organization, policies, personnel, operations, and technology to mitigate phishing, fraud, vulnerabilities, viruses, cyberattacks, and intrusions.
• We conduct regular security and privacy training, strictly manage staff who may access your information under NDAs, and strive to prevent leakage, damage, or loss.

5. Protection of Minors

Our financial services are only for adults aged 18 and above with full civil capacity. If we discover a minor has used our services, we will:

• Immediately terminate the account and all related services;
• Delete all personal information collected from the minor;
• Refund transactions made by the minor where legally possible;
• Report to relevant authorities when required by law.

6. Policy Updates and Notices

We may periodically update this Privacy Policy and publish revisions via relevant pages or other appropriate channels. If you disagree with modifications, please stop using the platform or cancel existing services; continued use indicates acceptance. We will not reduce your rights under this Policy without your explicit consent.

Major changes include but are not limited to:

• Substantial adjustments to service models, including purposes, types, or methods of personal information processing;
• Ownership changes due to mergers or equity changes;
• Changes to primary recipients for sharing, transfer, or public disclosure of personal information;
• Changes to the department responsible for personal information security, contact details, or complaint channels.

7. Contact Us

If you have questions about this Privacy Policy, the data we hold about you, or wish to exercise any data protection rights, please contact us using the above details. We will respond as soon as possible.