Privacy Policy

Delightech PLC built the Luyleun app as a Free app. This SERVICE is provided by Delightech PLC at no cost and is intended for use as is.

This page is used to inform visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service.

If you choose to use our Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.

The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at Luyleun unless otherwise defined in this Privacy Policy.

Information Collection and Use

Delightech Plc may collect the following information ("Personal Information") and you hereby explicitly consent to the following:

• • Account Opening Information and Account Information: Self-declared information like name, referral code used, address details, photo, address proof and identity proof. Additionally, for opening account:
  • ◦ Salaried individuals may have to provide: Employment details like company name, salary/offer letter on case to case basis, employment ID, and company Email ID
  • ◦ Self-employed individuals may have to provide: Self-employment details such as profession, social media links for or of Your work, work location and monthly income
• • Camera Access: We require access to Your mobile device camera for a seamless experience for clicking Your selfie and to upload photos for Your KYC compliance and/or for uploading any other necessary documents on the Portal
• • Location: We may collect and monitor Your location to verify Your current address, to ensure/check serviceability of our services and to prevent any fraudulent activity. We collect the location data from You in two ways: (i) when You add Your pin code on the Portal; and (ii) from Your mobile device when enabled by You to do so. We collect this data only when our App is being used. You may have restricted access to the services available through the Portal, if You disable/withdraw/do not provide this access
• • Contact and Call logs: We may periodically collect Your contacts' information and Call log to facilitate credit assessment to be undertaken by Us and to enable you access of some additional features on the Portal. You may have restricted access to the Portal/services available through the Portal, if You disable/withdraw/do not provide this access
• • Device Data: When You browse Our Website/Portal or apps, We also automatically receive Your devices' internet protocol (IP) address. This helps Us learn about Your operating system, software, the date and time at which You visited the Portals, the type of device being used (including the hardware models), the browser being used, etc, same would help us detect and prevent fraud
• • Storage: We may require this permission so that Your documents can be securely downloaded and saved on Your phone, and so You can upload any required documents easily for quicker approval and disbursal of credit facility. This helps in providing a smooth and seamless experience while using the Portal

Why We collect Information

We use personal information for the following purposes, including but not limited to:

• • To process your transactions for loan services
• • To verify your identity
• • To disburse loans and collect payments for your use of the Service
• • To build the credit models and perform credit scoring
• • To analyze customer behavior
• • To allow our partners to fulfill their obligations to you
• • To allow us to fulfill our obligations to our partners
• • To troubleshoot problems with the Service
• • To comply with applicable laws, regulations, and rules, such as those relating to "know-your-customer" and anti-money laundering requirements
• • To detect and prevent fraud and other illegal uses of the Service
• • To send you promotion, update and news
• • To call or contact you for the purposes stated in this Privacy Policy
• • We collect contact list and call logs to verify if the user is related to any blacklisted or disabled customer. This helps us to identify fraudulent customers

How We Share Your Information

By using our Services, you agree we may, as necessary and appropriate for the Purposes, share any Customer Information to the following:

• • Any corporate family, affiliate or partners of Delightech Plc including its LuyLeun Mobile Application
• • In connection with a merger, acquisition, consolidation, change of control, or sale of all or a portion of our assets or if we undergo bankruptcy or liquidation
• • If we believe it is necessary in order to detect, investigate, prevent, or take action against illegal activities, fraud, or situations involving potential threats to the rights, property, or personal safety of any person
• • If we are legally required to do so, such as in response to court orders or legal process, to establish, protect, or exercise our legal rights, to defend against legal claims or demands, or to comply with the requirements of any mandatory applicable law
• • With any other third parties with your consent or for our legitimate business purposes

Third-Party Services

The app does use third party services that may collect information used to identify you.

Link to privacy policy of third party service providers used by the app

• • Google Play Services
• • Google Analytics for Firebase
• • Firebase Crashlytics
• • Facebook

Log Data

We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol ("IP") address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.

Cookies

Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory.

This Service does not use these "cookies" explicitly. However, the app may use third party code and libraries that use "cookies" to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.

Service Providers

We may employ third-party companies and individuals due to the following reasons:

• • To facilitate our Service
• • To provide the Service on our behalf
• • To perform Service-related services
• • To assist us in analyzing how our Service is used

We want to inform users of this Service that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.

Security

We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.

Links to Other Sites

This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Children's Privacy

These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13 years of age. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page.

This policy is effective as of 2021-03-25