Privacy Policy

1. Introduction

This Privacy Policy describes how we collect, use, store, and protect your information when you use our mobile application and related services ("App"). We are committed to protecting your privacy and handling your data in accordance with applicable data protection laws. By using the App, you consent to the practices described in this policy.

2. Information We Collect

We may collect the following categories of information:

• Account and profile information (e.g. name, email, phone number) when you register or contact us
• Device and usage data (device type, OS, app version, screen views, and interactions) to improve the App
• Preferences and search criteria (e.g. product type, amount, term) to personalise offers and analytics
• Technical and log data (IP address, timestamps) for security and troubleshooting

We do not collect or store your full payment card details. Any application or transaction with a financial institution is subject to that institution's own privacy policy.

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve the App (e.g. showing relevant offers and comparison tools)
• Personalise your experience and communicate with you about the App
• Analyse usage and trends to improve our services and develop new features
• Comply with legal obligations and protect our rights and users' safety

4. Sharing and Disclosure

We do not sell your personal information. We may share your information only in the following circumstances:

• With service providers who assist us in operating the App (hosting, analytics, support), under strict confidentiality and data-processing agreements
• When you choose to apply to a partner institution — you are then subject to that institution's privacy practices
• When required by law or to respond to legal process, or to protect our rights, safety, or property

5. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These include encryption, access controls, and secure development practices. No transmission over the Internet or electronic storage is 100% secure; we encourage you to use strong passwords and keep your device secure.

6. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access and receive a copy of your personal data
• Rectify inaccurate or incomplete data
• Request deletion of your personal data
• Object to or restrict certain processing
• Withdraw consent where processing is based on consent

To exercise these rights, contact us at the details below. You may also have the right to lodge a complaint with a supervisory authority.

7. Cookies and Similar Technologies

We may use cookies, local storage, and similar technologies to operate the App, remember your preferences, and analyse usage. You can control certain preferences through your device or browser settings; disabling some of these may limit App functionality.

8. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes described in this policy (e.g. providing the App, compliance, dispute resolution) or as required by law. When data is no longer needed, we securely delete or anonymise it.

9. Contact Us

For questions about this Privacy Policy or to exercise your rights, please contact us:

Email: info@storchencredit.org
Address: Rm 1109-1111 11/F SHUN TAK CTR CHINA MERCHANTS TWR Central District, Hong Kong

Our Partners

The App may present offers from the following partner institutions. Each partner has its own privacy policy governing how they process your data when you interact with them.