This policy outlines how we collect, store, use, disclose, transmit, and process the personal information you provide when directly or indirectly accessing or using our mobile applications and websites (collectively, the "Platform") and related services (collectively, the "Services"). By using the Platform, you acknowledge that you have read, understood, and agreed to be bound by this policy; this policy holds the same legal force as any written agreement.
If you object to any terms, permission requests, or data processing rules in this policy, please do not proceed with authorization and immediately stop using Quartz Cash.
To ensure the compliant operation of our credit business, fulfill anti-money laundering (AML) compliance obligations, and prevent fraud and other security risks, Quartz Cash collects and processes the following information based on the "principle of minimum necessity":
Full name, gender, date of birth, marital status, mobile phone number, receiving bank card number and issuing bank details, employment information, PAN card documents, and photos/selfies (required for KYC). This information is primarily used for identity verification, credit assessment, credit limit review, and the provision and management of related financial services.
We collect only SMS data related to financial transactions (such as transaction notifications) and transmit it via secure encryption to our server (https://privacy.quartzcash.net) to analyze transaction records, cash flow patterns, and transaction amounts. We use this information for credit risk assessment, process acceleration, fraud detection, and security enhancement. We do not access personal or non-financial SMS messages. The SMS data retrieved during the assessment is removed from our systems within 7 days after the credit decision is rendered.
We require access to your camera solely to capture photos of identity documents and take facial selfies during the identity verification process. This data is used exclusively for necessary security verification and will not be used for any unrelated purposes. Captured images are retained only for the duration of the verification session and are automatically removed from our systems after the verification is completed.
We collect only your approximate location data to verify whether your area falls within our service coverage. We do not track, collect, or store your precise, real-time GPS trajectory.
We collect basic device characteristics—such as device model, system version, and AAID—to create security fingerprints, block high-risk logins and fraudulent scripts, and optimize system stability. Such data is never used for advertising tracking, nor does it serve as the sole basis for credit assessment.
We only read basic metadata regarding installed applications (such as app names and package names) to detect unauthorized remote-control Trojans or known financial fraud tools on your device, thereby effectively safeguarding your account funds. We perform security risk detection only and never access private data contained within the applications.
We collect and process your data strictly within the scope of the following clear and legitimate purposes:
Identity verification and credit assessment: Verifying the applicant's identity, assessing creditworthiness, and calculating and granting an appropriate credit limit.
Financial operations and fulfillment management: Managing your credit limit account, processing fund withdrawals and repayments, generating statements, and reconciling transaction records.
Risk control and fraud prevention: Detecting abnormal logins and high-risk transactions, combating synthetic identity theft, and maintaining the security of the overall system and funds.
Customer service and notifications: Sending necessary alerts regarding account changes and repayment reminders, and addressing your inquiries and complaints.
Compliance with legal and regulatory obligations: Cooperating with anti-money laundering (AML) investigations and financial regulatory audits, and fulfilling applicable legal and regulatory requirements.
Quartz Cash strictly adheres to data confidentiality obligations and will never sell, rent, or commercially exploit your personal privacy. Information is disclosed on a limited basis only in the following rare and necessary circumstances:
Trusted technical service providers: Including cloud infrastructure providers for data storage and technical support providers for identity verification. Such partners have signed strict non-disclosure agreements (NDAs) and data security processing contracts with us, and are strictly prohibited from using the data for any purpose other than those authorized.
Statutory mandatory disclosure: Upon receipt of court judgments, arbitration awards, or mandatory data requests issued by competent government authorities or financial regulators in accordance with statutory procedures.
Technical Protection System: TLS/HTTPS encryption is employed across the board for data transmission; industry-standard AES-256 encryption/decryption algorithms are used for sensitive data at rest; internal controls enforce the principle of least privilege (RBAC), restricting data access to authorized personnel only, with audit logs maintained for all access activities.
Retention Period Rules: Data is retained only for the minimum period necessary to fulfill the purposes described in this policy. Where financial accounts or statutory anti-money laundering (AML) compliance requirements apply, relevant data will be preserved in accordance with mandatory statutory retention periods.
Secure Deletion and Anonymization: Upon the closure of your account or the expiration of statutory data retention periods, we will thoroughly purge your data using irrecoverable secure erasure techniques or subject it to irreversible, deep anonymization.
Quartz Cash products and services are intended solely for adults aged 18 or older who possess full capacity for civil conduct. We do not proactively or intentionally collect personal information from minors.
If we discover during our review process that data belonging to a minor has been collected inadvertently, we will—upon verification—immediately close the associated account and completely wipe all related records. If you suspect that a minor has submitted personal information to us, please contact us immediately at care@quartzcash.net.
In accordance with applicable data protection laws and regulations, you have the right to be informed about, access, and manage the personal information we process. You may exercise the following rights:
Access and Information Retrieval: You may request to know the types of personal information we collect and store about you and, subject to legal requirements, request a copy of such data.
Modification and Correction of Information: If you find that your personal information is inaccurate, incomplete, or outdated, you may contact us to request updates or corrections.
Deletion of Personal Information and Account Closure: Subject to applicable legal conditions—such as the absence of outstanding service obligations, statutory data retention requirements, or other legitimate grounds for retention—you may request the deletion of your personal information or the closure of your account.
Withdrawal of Device Permissions: You may adjust or revoke permissions (such as access to your camera or location) at any time via your mobile device's system settings. Withdrawing permissions will not affect your continued use of basic functions that do not rely on those permissions; however, certain related services may not function properly.
If you wish to exercise any of the aforementioned personal information rights, please contact us via the following email address:
Email: care@quartzcash.net
To ensure the security of your account and prevent unauthorized data requests, we may need to verify your identity before processing your application.
We may update or revise this Privacy Policy from time to time to reflect business developments, adjustments to service functions, technological changes, or requirements under applicable laws and regulations.
Notification of Updates:
In the event of significant changes to the Privacy Policy that may affect your rights—such as adjustments to the scope of information collection, changes to the purposes of data processing, modifications to how permissions are used, or changes to user rights—we will notify you in advance via in-app notifications, SMS, email, or other reasonable means.
Staying Informed:
We encourage you to review this Privacy Policy periodically to stay informed about the latest data protection measures and information processing rules. Your continued use of services provided by Quartz Cash after the updated policy takes effect constitutes your acknowledgment, understanding, and acceptance of the updated Privacy Policy.
If you have any questions, comments, or complaints regarding the content of this Privacy Policy, our data processing practices, or our privacy protection measures, or if you wish to exercise your personal information rights under Section VI, please feel free to contact our data protection team through the following official channels:
Official Customer Service Email: care@quartzcash.net
Customer Service Hours: Monday to Friday, 09:00 – 18:00
We will respond to and process your request within a reasonable timeframe after receiving it and verifying your identity.
