Thank you for choosing to use PocketLoan. We recognise that privacy is fundamental to our users, and we are committed to keeping your personal information safe. This Privacy Policy has been prepared by PocketLoan's developer, Maximerge Finance, to clearly explain how we collect, use, store, and protect your information.
Before using this app or any platform services, you should read this policy carefully. By using our services, you explicitly agree that we may process your personal information according to this policy.
We are committed to respecting your choices, protecting your data, and providing you with a trustworthy service built on integrity.
To continuously improve your experience, we collect certain personal information when you visit our app or platform and use our services. We always prioritise protecting your privacy and only collect data with your explicit consent.
If you choose not to provide this information or later withdraw your consent, we may not be able to provide our services fully. We respect your choice and are committed to protecting your data with the utmost responsibility.
To ensure you get the most out of our loan services, we may need access to the following permissions or information. Your cooperation will help us provide a more efficient and higher-quality service.
We only collect approximate location information from your device to reduce account-related risks and enhance data security. All transactions are protected with 128-bit SSL encryption.
The data will be uploaded and stored on our server through a secure connection (https://www.maximerge.finance).
We request access to your camera so you can take photos of your ID and face, and upload them to our platform to complete the KYC (Know Your Customer) verification required for loan services.
We do not access the photos or videos stored on your device.
Camera access requires your explicit consent; if permission is not granted, you will not be able to take or upload images for verification.
We only collect information for two emergency contacts, including their relationship, name, and phone number. This information is used solely to verify the borrower’s identity, assess eligibility, and conduct risk analysis and fraud prevention.
You can provide this information in the following ways:
The automatic option is a convenient method that allows you to select specific contacts and quickly upload their information to our app. It’s important to note that this method only collects information from contacts you explicitly choose and does not access your entire contact list.
We will never share your data with third parties without your permission. Your information will be securely transmitted and stored on our servers via an HTTPS connection.
When you use the camera for liveness detection (biometric verification), our app leverages Apple’s TrueDepth API to collect temporary 3D facial mesh data and facial landmarks. This data is processed locally on your device exclusively for liveness detection and is never stored permanently. It is not shared with third parties, used for any other purpose, or retained beyond the immediate verification process. All facial data is automatically deleted when the app is uninstalled from your device.
To ensure the stability and security of our service, we collect basic information about your device, including the model, operating system version, advertising identifiers (such as GAID / IDFA), network type, as well as language and time zone settings.
All data is transmitted through secure, encrypted channels to our server (https://www.maximerge.finance), and we are committed to strictly protecting your privacy, without sharing or disclosing your information to third parties without your explicit consent.
We use AppsFlyer to collect device identifiers and app usage data for advertising attribution, analytics, and fraud prevention. You can manage or limit ad tracking in your device settings.
After you register, we may process, collect, store, use, and disclose certain information you provide for the following purposes (including, but not limited to):
PocketLoan is committed to protecting the security of your personal information. All transaction data is protected with 128-bit SSL encryption. Data is uploaded and stored on our server through a secure connection (https://www.maximerge.finance). We regularly review this Privacy Policy to ensure that we process your information in accordance with this policy.
We collect and use customer data only to the minimum extent necessary for providing our services. To ensure information security and protect against any form of fraud, we maintain and restrict access to data using industry-standard technologies, physical protections, and other measures to prevent data damage or loss.
Whether it is information provided directly by users during registration or data collected according to this Privacy Policy, your security is guaranteed. We will not share customer information with third parties without prior notice, customer consent, or a legal requirement.
We only grant access to personal information to employees who need it to perform their duties. These employees are bound by strict confidentiality obligations and may face disciplinary action, including dismissal, if they fail to comply.
Our platform is committed to protecting your personal information and keeping it accurate. We implement reasonable physical, administrative, and technical safeguards to protect your personal information against unauthorised access, use, and disclosure.
We use Secure Sockets Layer (SSL) encryption for information transmission and apply industry-standard technology at multiple stages to ensure the security of our systems.
We strive to protect the information we hold against unauthorised access, alteration, disclosure, or destruction, including:
PocketLoan is committed to protecting your personal data against unauthorised access, misuse, and disclosure through appropriate security measures based on the type of data and its processing.
We retain your information to provide you with a smooth experience, contact you for support, manage your account, and detect, mitigate, prevent, and investigate fraudulent or illegal activities. Your information is kept as long as necessary to provide our services.
We may also retain and use your personal data to comply with legal obligations, resolve disputes, and enforce our agreements.
To protect users' privacy and take responsibility for their data, we offer the option to delete accounts on our APP and website (https://www.maximerge.finance). Once deleted, you will no longer be able to use our services, and the data cannot be recovered.
If your loan application is in progress, has been disbursed, or has an outstanding balance, we will not be able to delete your account immediately. PocketLoan will continue to retain your data until all amounts are settled as required by law and our legitimate business needs.
After deleting your account, you may re-register using the same mobile number. To prevent fraud and abuse, a waiting period of 15 days applies before you can register again with the same number. We reserve the right to restrict registration from mobile numbers that have requested deletion excessively, as determined by our fraud prevention policies.
In accordance with this Privacy Policy, PocketLoan (hereinafter referred to as the “Controller”) acts as the data controller for the personal data we collect from our users (hereinafter referred to as the “Data Subject(s)”), being responsible for the collection, storage, disclosure, use, access, management, transmission, and deletion of such data, while ensuring the security and privacy of personal information.
We reserve the right to modify this policy at any time. When changes are made, we will update and publish the latest version of this policy on the Platform.
We recommend that you read this policy periodically to stay informed about updates.
If we make material changes to this policy, we will notify you through the app or via the contact information you have provided. Your continued use of the platform and services after the effective date of any changes constitutes your acceptance of the updated policy.
App Name
PocketLoan
Email Address
If you have any questions or suggestions about this Privacy Policy, or need assistance, please contact us at:
support@maximerge.finance
Business Hours
Monday to Friday, from 9:00 a.m. to 6:00 p.m.