We believe you have the right to know why your information is collected, how it is used, and how it is protected. Therefore, this Privacy Policy outlines the data processing rules applicable to the services provided by Horizon Cash in a clear and understandable manner.
By registering an account, accessing, or continuing to use this application, you acknowledge that you have read and accepted this Privacy Policy. If you do not agree with any part of it, please discontinue use of the application.
To provide you with secure, stable, and efficient credit services, we need to process certain information related to your account, device, and identity verification.
We adhere to the following principles:
Collecting only the information necessary to provide the service;
Not selling your personal information;
Not using your information for unauthorized purposes;
Taking reasonable measures to ensure the security of your data.
We collect your full name, gender, date of birth, address, employment details, phone number, identity documents, marital status, and bank account information. This data is used for account creation, fraud prevention, and compliance reviews.
With your authorization, this application may read transaction and credit-related SMS messages sent by banks, payment platforms, or financial institutions to assist with identity verification, risk identification, and credit assessment.
Apart from SMS messages related to financial services, this application does not identify or process the content of other SMS messages. SMS data falling within the scope of assessment is encrypted and transmitted to our secure server (https://ap.horizoncash.net), where it is used solely for credit analysis and risk control. Once the credit assessment is complete, the SMS data is automatically and permanently deleted from our servers.
To ensure account security, maintain system stability, and identify potential risks, we may collect certain device information, including device model, operating system version, device identifiers, network status, and application version.
This information is used exclusively for security management, system maintenance, and service optimization; it is not used for purposes unrelated to the service.
To assist in assessing the device environment and enhancing risk identification capabilities, Horizon Cash may—upon receiving authorization—identify limited information regarding applications installed on the device, such as application names and package identifiers.
The data involved is limited to basic application identifiers and does not include in-app data, account information, or any personal content.
To complete identity verification and related business processes, we may request permission to use the camera to photograph, scan, or upload identity documents and other necessary materials. Data obtained via the camera is transmitted within a secure, encrypted environment and is used solely for identity verification and the provision of related services. Uploaded images are securely deleted immediately upon completion of the verification process.
With your permission, we may use approximate location data to verify the availability of our services in your region. We do not collect or store precise GPS coordinates. Location information is collected only during active use of the application and is not tracked in the background.
Horizon Cash processes personal information solely for the following purposes:
Establishing and maintaining your account;
Verifying your identity;
Providing credit-related services;
Preventing fraud and managing unusual risks;
Responding to customer inquiries and providing technical support;
Optimizing app performance and user experience;
Complying with applicable laws and regulations.
We do not access or process data without your authorization.
Data security is integral to the entire lifecycle of Horizon Cash services.
To mitigate the risk of unauthorized access, modification, disclosure, or loss, we continuously implement various security measures, including:
Using encryption for data transmission and storage;
Implementing tiered access controls for personal information;
Establishing internal data management and confidentiality protocols;
Conducting regular security checks and risk assessments;
Continuously enhancing the platform's security capabilities.
While absolute security cannot be guaranteed in any internet environment, we remain committed to taking reasonable measures to protect your personal information.
Your personal information is retained only for as long as necessary to fulfill the service purposes or to comply with legal and regulatory requirements.
Upon the expiration of the retention period, we will delete the relevant information or anonymize it so that it can no longer be used to identify a specific individual in accordance with applicable laws.
To the extent permitted by applicable laws, you may:
Access your personal information;
Update or correct your information;
Withdraw your authorization;
Request the deletion of eligible data;
Submit comments or complaints regarding the processing of your personal information.
We will process your request as soon as possible after verifying your identity.
Horizon Cash provides services to adults who are legally eligible to use the relevant financial services.
If we discover that a minor has registered or submitted personal information, we will take appropriate measures promptly upon confirmation.
This Privacy Policy may be adjusted due to business developments, changes in laws and regulations, or product upgrades.
In the event of significant updates, we will notify you via in-app notifications or other reasonable means. The updated policy will take effect upon publication.
If you have any questions regarding this Privacy Policy, our handling of personal information, or matters related to data protection, you may contact us via the following methods:
Email: help@horizoncash.net
Our customer service team will respond to your inquiries as soon as possible—within 7 business days—and assist in addressing issues related to privacy protection.
