This Privacy Policy governs the KubiSloan application (referred to as “the Application”), which is developed and operated by Deve ATC.
We highly value the security of your personal data and privacy, and we are dedicated to collecting, processing, and safeguarding your information in accordance with applicable laws. Before using the Application, please review this Privacy Policy carefully to understand our practices regarding your personal data. We adhere to India’s Personal Data Protection legislation and other relevant legal requirements, while also referencing recognized international information security standards to protect your personal information and uphold your privacy rights.
This Privacy Policy explains how we lawfully gather, process, store, share, and transfer your personal information while providing KubiSloan products and related services. It also outlines the technical and administrative safeguards we apply to ensure data security. For ease of understanding, we use straightforward language and clarify key terms within the policy.
By creating an account, you confirm that you have read this Privacy Policy in full and consent to our collection and use of your personal data in accordance with this policy and applicable laws. Before choosing to provide sensitive information, please carefully assess whether you accept its use for the purposes and methods described here. We collect and process sensitive information only with your explicit authorization and solely to enable specific features. If you decline to provide such information, some products or services may not function properly. For any inquiries, please contact customer support.
The Application and its services are intended only for individuals aged 18 or above. If you are under 18 years old, please discontinue using KubiSloan services immediately.
This Privacy Policy will help you understand:
We collect and process your personal information in accordance with the principles of lawfulness, fairness, and necessity. To deliver our products and services, we may gather the following categories of information:
When registering for and using our services, you may voluntarily supply us with personal data, including:
Device Information:
To ensure platform security, confirm device authenticity, and carry out risk management, we may obtain certain device-related data for identity verification, fraud detection, and risk evaluation, enabling more precise credit service assessments. Choosing not to provide the device information described below will not affect access to basic functions; however, it may lower the accuracy of our risk analysis and potentially impact evaluation outcomes. The device data we may collect includes items such as device name, model, brand, operating system and version, screen resolution, memory specifications, Android ID, IP address, Google Advertising ID, system language, mobile carrier details, network type, battery status, and other comparable device characteristics.
SMS:
When you apply for a credit limit assessment, we ask for your permission to access SMS messages. Throughout the application process, we only scan and extract SMS content related to financial activities on your device. The SMS data that may be collected includes: address, body, date, type, _id, date_sent, read, seen, status, and person. By analyzing these financial messages, we gain a clearer view of your income and expenditure patterns, enabling us to assess your risk profile and credit eligibility more accurately. SMS data is collected strictly after your explicit consent is granted. The information is transmitted to https://kl629.com using 256-bit TLS encryption. After the credit evaluation is completed, all related SMS data will be deleted.
Call Log:
When logging in with verification codes, there may be occasions where SMS codes cannot be received properly. To ensure you can still complete login, we provide an alternative voice-call verification option. Allowing this permission helps speed up the voice verification process. This permission is optional, and declining it will not affect your standard use of the application.
Installed Applications:
To enhance risk management and keep credit limit assessment services secure and compliant, we may collect details about the applications installed on your device, subject to your explicit approval. Reviewing this app list helps us detect potential high-risk behaviors (for example, gambling, illegal lending, or cryptocurrency-related usage) and improve our risk-control models. The collected details may include app name, package name, installation and update times, version information, and whether the application is a system app. All data is securely transmitted to our encrypted data center at https://kl629.com
and protected through encryption mechanisms. Without your consent, this information will not be used for unrelated purposes or shared with third parties. If permission is denied, core features remain usable, though risk assessment accuracy and personalized services may be affected.
Contact Information:
When you request a credit limit assessment via our app, we may require access to part of your contact list to obtain emergency contact details. This helps us prevent fraud, verify credit reliability, and maintain effective communication. The information collected may include the contact’s name, phone number, and your relationship with that person. All data is securely transmitted to https://kl629.com
and stored with encryption safeguards. Without your authorization, this information will not be used for other purposes or shared with external parties.
Camera Permission:
To maintain the reliability and security of identity verification, we may request camera access to capture an image of your ID (KTP) during verification. This process helps confirm identity authenticity, prevent fraudulent use, and improve verification precision. The captured images are used exclusively for identity verification and stored securely at https://kl629.com
with encryption protection. They will not be used for unrelated purposes or shared without your consent. Refusing this permission may cause verification failure and limit access to certain credit limit assessment functions.
Images:
As part of identity verification, you may choose to upload a KTP image from your device gallery. We do not request or retain other types of photos. The uploaded ID images are used solely for identity verification and stored securely at https://kl629.com
with strict encryption. Without your permission, this information will not be reused or disclosed to third parties.
Approximate Location Information:
For account protection, risk monitoring, and regulatory compliance, we may collect approximate location data while you use the KubiSloan app. Analyzing location information allows us to identify abnormal account behavior—such as sudden location changes or applications from multiple regions—so we can quickly apply risk-control measures and prevent fraudulent activities. The data collected consists only of latitude and longitude. It is used strictly for risk management and compliance purposes, not for marketing or advertising. If you decline this permission, essential features remain accessible, but our ability to detect risks and match appropriate credit limit assessment services may be reduced.
Notification Permission:
To provide important information—such as credit limit assessment outcomes, policy updates, and security notices—we request authorization to send notifications to your device. Once enabled, you will receive timely alerts to help manage your application and protect your account. Declining this permission may cause you to miss key notifications, but it will not interfere with normal use of credit limit assessment services. This permission is used only for service-related messages, and no personal data is collected through notifications.
Activity Logs:
During your use of the platform, we may record operational log data, including timestamps, pages visited, and click actions. These logs help us evaluate system stability, monitor performance, identify potential issues or security threats, and continuously improve user experience and product functionality. We ensure that such log data is used strictly for internal optimization, kept confidential, not used for unrelated purposes, and not shared with third parties without your authorization.
We obtain this information solely for purposes such as evaluating your credit condition, confirming your identity, and ensuring the security of your account. Before any data is collected, we will explicitly notify you of the specific categories of information needed. Information will only be gathered after you have provided clear and affirmative consent. Without such consent, we will neither collect the relevant data nor disclose or transfer it to any third party. We are dedicated to applying rigorous protection measures to safeguard your personal information to the greatest extent possible and to prevent any unauthorized access, leakage, or misuse.
We use the collected personal information for the following purposes:
We use your personal information for the purposes described in this Privacy Policy and will not use it for other purposes without your explicit consent. We will take reasonable measures to ensure that the collected personal information is accurate, complete, and up-to-date.
We respect your privacy and will not share your personal information with any third parties except in the following cases:
We will share your personal information with third parties only with your explicit consent.
We may share your personal information with our affiliated companies to provide you with consistent services. Our affiliated companies will be bound by this Privacy Policy and other confidentiality and security measures.
We may share your personal information with service providers who assist us in providing services, such as payment processors, credit reference agencies, data storage service providers, etc. These service providers can only use your personal information for the purpose of providing services to us and must take strict confidentiality and security measures.
We may share your personal information in the following circumstances:
We take a series of security measures to protect your personal information, including but not limited to:
Despite the security measures we take, please note that no method of transmission over the internet or method of electronic storage is 100% secure. We cannot guarantee the absolute security of your personal information, but we will continue to take reasonable measures to protect your personal information.
You have the following rights regarding your personal information:
You have the right to access your personal information held by us. You can log in to your account to view basic personal information, or contact our customer service to request access to other personal information.
If you find that your personal information held by us is inaccurate or incomplete, you have the right to request correction or supplementation. You can log in to your account to modify basic personal information, or contact our customer service to request correction of other personal information.
In the following cases, you have the right to request deletion of your personal information:
In the following cases, you have the right to request restriction of the processing of your personal information:
The Application may include links to external websites or services operated by third parties. This Privacy Policy does not cover those third-party platforms. We do not control and are not liable for the privacy practices or content of such external sites or services. We recommend that you review the privacy policies of any third-party websites or services before engaging with them.
Our Application may incorporate third-party SDKs or related technologies to enhance service functionality. These third parties might collect and handle your personal data as part of their service provision. We require such partners to implement adequate data protection measures and to process your personal information solely for the purpose of delivering services on our behalf.
Our Application may use cookies and similar tracking technologies to provide you with a better experience, improve our services, and conduct research and analysis. Cookies are small text files stored on your device when you visit a website or use an application.
Most web browsers allow you to control cookies through their settings. You can usually set your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some functions of our Application.
The Application and its services are designed for individuals aged 18 and above. We do not intentionally collect, use, or share personal data belonging to children under 18. If we become aware that personal information of a minor under 18 has been obtained without confirmed parental or guardian consent, we will promptly remove such data from our systems.
If you are a parent or legal guardian and believe your child has provided personal information without your authorization, please contact us using the details below so we can take appropriate action.
We may revise this Privacy Policy periodically to reflect updates in our practices, legal requirements, or regulatory standards. Any revised version will be made available within the Application, and where appropriate, we will inform you through suitable methods such as email or in-app notifications.
We recommend reviewing this Privacy Policy regularly to stay informed about how we handle and safeguard your personal data. Continued use of the Application after changes take effect indicates your acceptance of the revised Privacy Policy.
If you have any inquiries, feedback, or recommendations regarding this Privacy Policy or our data protection practices, or if you wish to exercise your rights as a data subject, you may reach out to us through the contact methods listed below.
Deve ATC
Viraj Buildings, SV Road, Khar West,
Mumbai 400052, Maharashtra, India
Email: baywan69@gmail.com
Phone: +91 85769 42189
We will strive to address your questions and handle your concerns as promptly as reasonably possible.