Privacy Policy

About This Policy

ArspLoan treats protection of personal information as a central responsibility. This Privacy Policy explains what information is gathered through the ArspLoan mobile application (the “App”), the purposes for using it, the protections applied to it, and the choices available to you.

Continued App use indicates agreement with this Policy. If you do not accept it, remove the App from your device. Read this Policy together with our Terms of Service, which sets the wider conditions for using ArspLoan.

Data We Gather

2.1 Identity & Contact Details

To establish your profile and confirm your identity, we collect information such as full name, birth date, mobile number, email address, and details from a government-issued identity document. Encrypted channels carry this information to our secure service domain:

The information is used only for account creation, identity checks, and regulatory compliance. It is not disclosed to third parties for commercial use.

2.2 Device & Technical Information

Certain technical information is gathered automatically, including device make and model, operating-system version, IP address, and Google Advertising ID. It supports App reliability and platform security and is not used for advertising or decisions about credit.

2.3 Installed App Metadata

For security checks, limited metadata about other installed applications may be collected, including package names and installation dates. App content, passwords, and usage information are excluded. This metadata is used only for identifying security risk and does not influence credit standing.

2.4 Camera Access

The App can request camera permission when you choose to upload documents. Before transmission to server.arsploan.com, images are encrypted, and they are erased as soon as verification finishes. Camera access occurs only after you initiate it, never in the background, and no image is retained when the process ends.

2.5 Approximate Location

With permission, approximate location may be collected to determine whether the service is offered in your area. Precise coordinates are not stored, and location information is not used for profiling, advertising, or credit evaluation.

2.6 Usage & Diagnostic Data

Aggregated and anonymised operational information, including visited screens, time spent, and error records, is collected to improve the App. It does not identify you and is not considered in credit decisions.

Why We Collect Data

Information is handled only for defined and legitimate purposes:

• Confirming identity and evaluating eligibility before opening an account.
• Operating the revolving credit line and carrying out transactions.
• Detecting and preventing fraud so the platform remains secure.
• Answering requests for support and other user questions.
• Improving features, correcting defects, and developing the service.
• Meeting regulatory and legal duties.

You may refuse an individual permission. That choice can restrict a related feature but does not generally prevent App use. Information covered by a permission that you have not granted will not be collected.

Who Sees Your Data

We do not sell, rent, or trade personal information to outside parties for profit. Sharing occurs only when necessary and is limited to:

• Identity-verification providers that confirm submitted documents.
• Service providers responsible for secure processing and data infrastructure.
• Regulators or public authorities when disclosure is legally required.

Each partner is bound by confidentiality duties and industry-standard security requirements. Information may be used only to perform the service required for ArspLoan.

Keeping Your Data Safe

Safeguards apply throughout the information lifecycle, from collection through deletion. They include:

• End-to-end protected transmission through TLS/HTTPS.
• Access controls that restrict sensitive records to verified personnel.
• Recurring independent security reviews and vulnerability testing.
• Continuous monitoring and automated warnings for suspicious activity.

Sensitive information is available only to staff with a legitimate operational need, and access is logged for audit. No online system can be completely free of risk; suspected unauthorised account access should be reported immediately to support@arsploan.com.

How Long We Keep It

Information is retained for the longer of the period needed to fulfil the purposes in this Policy and the period required by applicable law or another obligation.

After account closure and the end of every mandatory retention period, the information is securely erased or irreversibly anonymised. The applicable period depends on the category of information and the relevant regulation.

Age Requirement

ArspLoan is restricted to people who are at least 18 years old. We do not knowingly obtain information from anyone younger, and identity checks are intended to prevent access by minors.

If information belonging to a minor is identified, it will be deleted at once and the related account will be closed without notice. A suspected registration by a minor should be reported to support@arsploan.com.

Your Rights

For personal information held by ArspLoan, you may exercise these rights:

• Access: request a copy of the personal information collected about you.
• Correction: ask for inaccurate or outdated information to be amended.
• Deletion: request erasure unless a legal obligation requires continued retention.
• Withdrawal of consent: withdraw consent whenever consent is the basis for processing.

To make a request or ask how information is handled, write to support@arsploan.com. We aim to answer valid requests within a reasonable period under applicable law and may first ask you to verify your identity.

Changes to This Policy

This Policy may change when services, legal obligations, or regulatory expectations develop. Before a material revision takes effect, notification will be provided through the App or by email.

Minor corrections and changes without material effect can be made without advance notice. The date at the beginning shows when the Policy was last revised. Continued App use after a change indicates acceptance of the updated Policy.

Contact Us

For a complaint, request, or question about this Privacy Policy or the way your information is processed, our team is available to assist.