PRIVACY & DATA CONTROL

Your information.
Clearly explained.

This policy explains what information may be processed through Dolphin Cash, why it is needed, when it may be shared and the choices available to you.

LAST UPDATED 10 August 2026
Purpose, Permission and Control of your data

Privacy Policy

1. Scope of This Policy

This policy applies to the Dolphin Cash app and related credit line services. It outlines how we process personal information and how you can manage your account details, device permissions, and data usage. Dolphin Cash processes necessary information related to the application, use, and management of revolving credit lines. Whenever separate authorization is required, we will explain the data types and purposes before the relevant action and obtain your consent.

2. Information Sources and Processing Methods

2.1 Personal Information

We collect information you voluntarily provide during registration, application submission, and the uploading of verification materials. This includes your name, date of birth, registered mobile number, residential address, identity verification documents, employment status, income details, and bank account information. This information is used to create and manage accounts, verify identity, assess repayment capacity and credit line applications, process fund withdrawals and repayments, and fulfill applicable compliance obligations. We process only the data relevant to the aforementioned purposes and implement appropriate confidentiality and security measures.

2.2 Installed App Information

Subject to applicable platform rules and your explicit consent, Dolphin Cash may access limited information regarding installed applications, such as app names and categories, to help identify potential risks, detect anomalies, and conduct anti-fraud analysis. We do not read in-app chats, passwords, transaction records, or browsing content from other applications, nor do we sell such information or use it for advertising or marketing purposes. The scope and method of data collection are strictly limited to what is necessary for the relevant functions and authorized for use. Installed app data is used only for fraud detection and is deleted after the risk assessment cycle, unless retention is required for regulatory or dispute-resolution purposes. Relevant information is transmitted via an encrypted connection to: https://contact.dolphincash.net

2.3 Device Information

We may process information such as device model, operating system version, app version, IP address, network type, and necessary operational and error logs. This data is used to identify unauthorized access, protect account security, troubleshoot technical issues, and ensure the stable operation of the app. This technical information is used solely for the security and operational maintenance purposes described in this policy. Accessing device information does not grant us access to unrelated personal content stored on your device.

2.4 Camera Permissions

Once you actively initiate identity verification and grant camera permissions, Dolphin Cash uses the camera to capture images of identity documents or perform real-time facial verification. These images are used to verify the applicant's identity, detect identity fraud, and complete applicable KYC (Know Your Customer) checks. The camera is activated only when you use the relevant features; it does not record continuously in the background, nor does it access your photo gallery. You may revoke camera permissions at any time, though this may prevent the completion of verification steps requiring document capture. Images captured for verification are deleted after the check is completed.

2.5 Approximate Location

With your authorization, Dolphin Cash may access your approximate location during the credit limit application process. This information is used to confirm whether your region is within our service coverage area, assist in verifying application details, and identify anomalous applications. We do not collect precise location data or continuously track your movements for these purposes. You can disable location permissions in your system settings; however, revoking this authorization may affect application steps that rely on such information.

3. Purposes of Information Use

We use the collected information to create and maintain accounts, verify user identities, and complete applicable KYC checks. We also analyze income, expenses, and application data to assess repayment capacity, credit risk, and available credit limits. Additionally, the information is used to review credit limit applications, process fund withdrawals and repayments, update account and transaction statuses, and detect suspicious applications, suspicious transactions, and unauthorized activities. Furthermore, we use necessary information to respond to inquiries, handle complaints and transaction disputes, troubleshoot app issues, ensure stable service operation, and fulfill applicable legal, regulatory, and record-keeping obligations.

4. Data Protection and Retention

We protect information through encrypted transmission, access control management, and necessary security monitoring, while restricting data access by personnel and service providers to the scope of their duties. Information retention periods are determined based on service purposes, account status, transaction processing, dispute resolution, and statutory obligations. When there is no longer a need or obligation to retain the data, we delete or de-identify the relevant information. Even after an account is closed, certain transaction or compliance records may still need to be retained as required by law. These retained records remain access-restricted and are used only for the purposes for which they are kept.

5. Managing Your Information

To the extent permitted by applicable law, you may access your personal information, request a copy, correct inaccurate data, request the deletion of information, or restrict or object to specific processing activities. For processing based on your consent, you may withdraw that consent. Device permissions can be managed in your phone's settings; disabling a permission may affect the corresponding function but will not impact functions that do not require that permission, nor will it alter processing activities already completed in accordance with the law. To submit a request, please contact care@dolphincash.net, specifying the relevant account and the details of your request. We may conduct necessary identity verification to prevent unauthorized modification or access to your information.

6. Account Deletion and Associated Data

You may submit a deletion request via the account deletion page or by contacting customer service for assistance. Upon verifying your identity, we will close the account and delete associated data that no longer needs to be retained. If certain records involve outstanding obligations, disputes, security investigations, or statutory retention requirements, we may continue to retain them and will explain the reasons to you. We will process requests in accordance with applicable laws. Account deletion does not automatically absolve you of payment obligations or other contractual duties that have already arisen.

7. Age Requirements

Credit services are available only to users who have reached the applicable legal age and meet the eligibility criteria. If we discover that a user who does not meet the age requirements has submitted information, we will verify the situation and handle it in accordance with applicable requirements. You may also report such matters via our customer service channels.

8. Policy Updates

We may revise this policy when there are changes to service features, information processing methods, or applicable requirements. Updated versions will be made available through the app or relevant service pages; for significant changes, we will notify you through appropriate means and obtain your consent separately if required.

9. Contact Us

If you have questions regarding this policy, the processing of personal information, device permissions, or account deletion, please contact us via:

Email: care@dolphincash.net