Privacy Policy

Solid Capital (“we,” “our,” or “us”) values your privacy and is committed to handling your personal information responsibly. This Privacy Policy explains how we collect, use, store, secure, and delete your data when you access or use the Solid Capital mobile application and related services.

By downloading, accessing, or using the Solid Capital app, you confirm that you have read and understood this Privacy Policy and agree to the practices described herein.

1. Data Collection Principles

We apply the principle of necessity and only collect information that is reasonably required to:

• review your eligibility for credit-related services;
• conduct credit evaluation and risk checks;
• complete identity verification and KYC procedures;
• detect, investigate, and prevent fraud or misuse;
• maintain product quality, technical stability, and service performance; and
• satisfy legal, regulatory, and compliance obligations.

We do not intentionally collect personal data that is unrelated to the services provided through the app.

2. Permissions We Request and Why

2.1 SMS Access

Information collected
With your express permission, the app may read financial SMS messages received on your device within the previous 6 months, such as bank debit or credit alerts, salary-related notifications, and repayment reminders. Personal chats and unrelated non-financial messages are not intentionally collected.

Purpose of use
This information is used only for credit evaluation, income pattern verification, and fraud risk control.

How the data is handled

• We do not actively disclose SMS data to unrelated third parties.
• SMS-related information is encrypted and securely transmitted to https://api.solidcapitalapp.net/.
• SMS data is removed after the relevant review or assessment process is completed.

2.2 Installed Applications Information

Information collected
We may collect limited information about financial apps installed on your device, including package identifiers and app category information. We do not access the content inside those apps, your login details, or detailed usage activity.

Purpose of use
This information is used solely for risk analysis, fraud prevention, and underwriting support.

How the data is handled

• We do not actively disclose this data to unrelated third parties.
• The data is encrypted and uploaded securely to https://api.solidcapitalapp.net/.
• It is deleted once the corresponding risk assessment is completed.

2.3 Device Information

Information collected
We may collect technical information about your device, including device model, system version, device identifiers, preferred language, display information, and network status.

Purpose of use
This information helps us verify device authenticity, improve app compatibility, protect account security, and reduce duplicate or unauthorized registrations.

How the data is handled

• We do not actively disclose device-related data to unrelated third parties.
• All such information is encrypted and securely sent to https://api.solidcapitalapp.net/.
• Device data is deleted after the relevant verification and security review are completed.

2.4 Camera and Media Permissions

Information collected
The app requests camera or media access only when you choose to upload documents or images, such as identification documents, selfies, or proof-of-address files.

Purpose of use
This information is used strictly for KYC verification, compliance requirements, and fraud control.

How the data is handled

• We do not actively disclose uploaded files to unrelated third parties.
• Files are encrypted and securely transmitted to https://api.solidcapitalapp.net/.
• Uploaded materials are deleted after verification unless continued retention is required by applicable law or regulation.

2.5 App Activity and Interaction Data

Information collected
We may collect app interaction data such as visited pages, selected buttons, session duration, and general navigation behavior.

Purpose of use
This helps us improve functionality, enhance user experience, monitor app stability, and identify unusual activity patterns.

How the data is handled

• We do not actively disclose this information to unrelated third parties.
• Interaction data is encrypted and uploaded to https://api.solidcapitalapp.net/.
• Such data is deleted after the relevant analysis is completed.

3. How We Use Personal Information

We may use the information we collect to:

• evaluate your eligibility for credit services;
• verify your identity and perform KYC checks;
• prevent fraud, abuse, or unauthorized account activity;
• improve app operation, functionality, and service quality; and
• send important notices, reminders, or service-related communications where permitted.

4. Retention and Deletion of Data

We keep personal information only for as long as it is needed for the purpose for which it was collected, or for the period required by law.

• Review and assessment data is deleted after the applicable process is completed.
• Account-related information may be retained until the account is closed, the service relationship ends, or the data is no longer required.
• Certain records may be retained longer where applicable law, regulatory rules, dispute resolution needs, or lawful authority requirements make retention necessary.

5. Data Security Measures

We use reasonable and industry-standard safeguards to protect your information, including encryption, secure transmission methods, controlled system access, and other administrative and technical protection measures.

6. Sharing and Disclosure of Information

We do not sell, lease, or trade your personal information.

We may disclose information only in limited circumstances, including to:

• authorized lending, verification, or service partners involved in processing your application or servicing your account;
• government bodies, regulators, courts, or law enforcement authorities where disclosure is required by law; and
• technology vendors or service providers that support our operations and are subject to confidentiality and data protection obligations.

7. Your Rights

Subject to applicable law, you may have the right to:

• request access to your personal information;
• ask us to correct inaccurate or incomplete information;
• request deletion of data where permitted;
• withdraw consent previously granted for certain data processing activities; and
• raise a complaint if you believe your information has been handled improperly.

8. Contact Information

If you have any questions, requests, or concerns regarding this Privacy Policy or our handling of your personal information, please contact us at:

Email: info@segurofinancial.com