Bear Wallet is an application software. Please read this privacy agreement carefully before accessing or using this service.

We will collect personal information within the scope required by law, and we will promptly notify you each time we collect personal information. You expressly authorize that we collect and process data in accordance with this privacy agreement. We respect your privacy and we will not provide for any purpose. Your information won’t be shared with unauthorized third-party.

If you do not wish to be bound by these terms, you may not be able to access Bear Wallet.

We collect your data to facilitate the provision of services to you, to verify your identity and to create a credit score to determine which loans can be provided to you. The data will be upload to our server(https://api.bearwallett.com/). The information you provide includes:

"Personal identifiable information" refers to information that can be used to uniquely identify a user, such as name, password, date of birth, gender, email address, phone number, and other personal information.

To provide you with better service, we need permissions related to device activity, such as Location, SMS, Phone, Contacts, Contact list, Camera, Storage. We’ll use these permissions to collect your device information and upload the information to our server(https://api.bearwallett.com/). This information will be used for our scoring system and all data will be protected and encrypted.

4.1 Location

Collect and monitor device location data to ensure maintainability and reduce application-related risks.

4.2 SMS

Collect SMS content, sending number, and sending time. Help reduce the risk associated with your application and provide customized loan offers, as well as anti-fraud prevention.

4.3 Calendar

Allow you to record the repayment schedule for loan repaying.

4.4 Phone

Collect specific information about your device to uniquely identify the device and prevent unauthorized access to your loan data.

4.5 Contacts

Collect and monitor contacts information for anti-fraud and allow to fill emergency contacts data automatically during loan application.

4.6 Contact List

Gather your phone number and emergency contacts for due diligence and cross-check your identity with them.

4.7 Camera

Allow you to take photos to prove yourself and prevent others from stealing your information.

4.8 Storage

Allow you to upload images and documents for loan application.

In order to obtain more accurate information, we may also collect data from third parties (such as credit bureaus and other financial institutions). Through the registration service, you authorize the collection and processing of the aforementioned data.

Please note that this privacy agreement may be modified from time to time to meet the requirements of data privacy, coverage and technological security advancements. Such modifications will take effect immediately.

We use the collected data for various purposes:

• To provide and maintain the Service

• Verify your identity and contact details

• To notify you about your transactions & changes to our Service

• Contact you and update you on the performance of our Services

• Communicate with you and process your requests

• Offer surveys, promotions, and marketing communications

• Contact supplied personal references to verify accuracy of information and coordinate as to the identity and personal circumstances of the client

• To Provide funds transfer services and related services

• To provide customer care and support

• To monitor the usage of the Service

• To detect, prevent and address technical issues

• Provide electronic funds transfer services and related services

• Collection of delinquent accounts

We believe that data security is a very important thing, so we have technical, physical, management and legal mechanisms to protect your information, such as servers with high computer security measures and SSL certificates for secure connections to ensure privacy. And protect the collected personal data from damage, loss, alteration, destruction or unauthorized use, access or processing. At any time, we will not disclose, share, or transmit your personal information to third parties without your authorization.