Privacy Policy

Welcome to LineFlex (developed and operated by PT GEMA GLOBAL DIGITALINDO).

LineFlex is a user-facing revolving credit management tool designed to help you assess, manage, and flexibly use your personal credit limit, thereby more easily managing daily expenses and periodic financial arrangements.

We fully understand the importance of your personal information and always prioritize information security and privacy protection. This Privacy Policy clearly explains what necessary information we collect during your use of LineFlex and related services, the specific uses of this information, how it is stored and protected, and your legal rights to access, manage, and choose this information.

Please carefully read and understand this Privacy Policy before using this application. Your continued use of LineFlex indicates that you fully understand and agree to our compliant processing of your personal information in accordance with this policy.

LineFlex Information Collection Guidelines and Purpose of Use

To provide you with stable, secure, and regulatory-compliant credit limit assessment and management services, LineFlex may process some of your information with your explicit authorization. We consistently adhere to the principles of legality, compliance, clear purpose, minimum necessity, and strict protection, and safeguard your information security through multiple technical and institutional measures.

The following is a description of the types of information we may process and their corresponding uses:

I. Identity and Basic Information

When you register for LineFlex or apply for a credit limit assessment, we may require you to provide some basic information to verify your identity and complete the necessary assessment process, including but not limited to:

• Name, gender, date of birth
• ID document or equivalent identity document
• Bank account information (To support the use and settlement of your credit limit, LineFlex may process your financial information, such as bank card details, to complete the corresponding operations when you withdraw from your credit limit.)
• Contact information (mobile phone number, email address, residential address)
• Supplementary information such as photo, educational background, and marital status

The above information will only be used for credit limit assessment, account security management, and compliance risk control, and will not be used for any other purpose.

II. Emergency Contact Information (Using Google API, selected by the user from their contacts)

During the credit limit assessment process, you can fill in your emergency contact information yourself.

LineFlex will not actively read or obtain your complete contact list; it will only process the following information that you submit:

• Contact Name
• Contact Number
• Relationship Description

This data will be encrypted and stored at: https://bleopt.manipulationlegitimacy.com/.

III. Image Data

You may need to upload images when using customer support services or for identity verification. We only process image files that you actively upload. The fields retrieved are:

• Image format, Size, Other basic attributes, etc.

The collected information will be encrypted and stored at https://bleopt.manipulationlegitimacy.com/.

LineFlex cannot access or read your photo album content on its own; related images are only used for service support or assessment assistance processes.

IV. Social Media Account Information and Notification Permissions

To send you system notifications, credit limit status alerts, or service-related information, we may process the following contact methods after obtaining your authorization:

• Mobile phone number
• Email address
• Instant messaging accounts such as WhatsApp

You can adjust or turn off related notification settings at any time within the app.

V. Call-Related Information (for Identity Verification)

When you choose to register or log in via voice verification code, and with your separate authorization, we may obtain call information related to verification code verification, such as:

• Call Number
• Call Type (Incoming/Outgoing)
• Call Duration, etc.

This type of information is only used to verify the operator's identity and prevent abnormal logins. The collected information will be encrypted and uploaded to https://bleopt.manipulationlegitimacy.com/ for verification through number filtering.

VI. Installed Application Information

When a user uses LineFlex to assess their credit limit, LineFlex will identify information about non-system applications installed on your device (such as application name, installation time, update time, etc.) for the following purposes:

• Identifying abnormal device environments
• Assisting in security risk assessment
• Preventing fraud or malicious behavior
• Supporting credit limit assessment analysis

The collected information will be encrypted and uploaded to https://bleopt.manipulationlegitimacy.com/ for storage and analysis.

VII. Google Advertising ID

We may use your Google Advertising ID for:

• Ad performance statistics
• Content display optimization
• Product experience improvement

You can reset or restrict the use of this ID at any time through system settings.

VIII. SMS Messages

When you use the credit limit assessment service, to more accurately assess your credit limit, and only with your explicit consent, LineFlex will filter financial-related SMS messages through the Android system interface based on locally preset financial keyword rules.

Fields involved include:

• SMS Title
• SMS Body
• Sender Number etc.

We will not read SMS content unrelated to the assessment, nor will we use this information for advertising, harassment, or promotional purposes. The filtering results will be stored in encrypted form at: https://lationl.proficiencyuhloopy.com/.

IX. Location Information

When users use LineFlex to assess their credit limit, we obtain your approximate location information (such as city or region level) for:

• Providing localized service content
• Technical analysis and system optimization
• Prevention of organized fraud and risk control analysis

LineFlex does not perform continuous location or precise location tracking.

X. Device and Network Information

To ensure application stability and security, we may collect some device operating environment information, including:

• Device model, operating system version
• IP address, network type
• Android ID, device manufacturer

This type of information is mainly used for technical adaptation, troubleshooting, and security protection.

XI. Camera Permissions

During identity verification or biometric authentication, we need to use camera permissions for:

• To photograph identity documents
• To complete liveness detection

The images are used solely for credit limit assessment and account security verification.

Data Sharing

To ensure the normal operation, service optimization, and security of LineFlex, we may share limited data with certain third-party service providers within a legal and necessary scope. This includes integrating AppsFlyer (AF SDK) for advertising performance statistics and source analysis, involving only necessary information such as device identification and application behavior, and not directly identifying content. Furthermore, in scenarios such as system maintenance, data storage, and risk identification, we may collaborate with cloud service providers and security service providers on data sharing. All sharing activities are contractually binding and adhere to the principle of data minimization. We will not disclose your personal information to unrelated third parties without your consent.

Cookie and Local Storage Explanation

To ensure stable application operation and improve user experience, LineFlex may use cookies or local storage technology on your device to save basic settings, reduce repetitive operations, and assist in security verification. You can manage or clear these cookies at any time through system or browser settings. These actions may affect the normal use of some functions.

Purpose of Information Collection

To ensure the normal operation and service security of LineFlex's core functions, we will collect some personal information under legal and necessary conditions, and strictly limit its use.

Relevant identity and data information is mainly used to verify the authenticity of user identities and support credit limit assessment and management processes; combined with necessary financial and behavioral information, it helps the system more reasonably judge users' credit limit usage capabilities and risk levels.

Meanwhile, device environment information and basic location information will be used to identify abnormal operations, improve account security, and prevent potential risky behaviors; device parameters and de-identified technical data are used to ensure the stable operation of the application and continuously optimize the overall user experience.

All information collection and use are solely for the purpose of improving service security, reliability, and user experience.

How to Ensure Data Security

We highly value your information security and have taken multiple measures to protect your personal data.

Technically, we use industry-standard encryption technology to ensure data security during transmission and storage, and reduce network risks through mechanisms such as firewalls, intrusion prevention, and abnormal behavior monitoring.

Management-wise, we implement strict access control for data, authorizing only necessary personnel to use relevant information within a reasonable scope. All operations require identity verification and approval processes.

Your personal information is only retained for the period required to achieve the service purpose and in accordance with legal requirements. After the retention period, it will be securely deleted or anonymized. You can manage relevant authorizations or request to export a copy of your data at any time within the application.

In the event of any situation that may affect information security, we will take timely measures in accordance with the law and notify and handle the matter as required.

Instructions for Using Your Information

We process your personal information only with your explicit authorization, for the purpose of providing you with credit limit assessment and management services.

When you apply for and use a credit limit, we will use your identity information and contact details for necessary identity verification, and combine this information with the relevant documents you submit to complete the credit limit assessment and risk judgment.

When you choose to use credit limit-related functions, the system may, within the scope of your authorization, provide necessary information to our partner service providers to complete the corresponding credit limit confirmation and service process.

To ensure account and operational security, we will identify abnormal behavior through device information, login records, etc.; location information is only used for security verification when abnormal risks are detected and is not used for continuous tracking.

The emergency contact information you fill in is only used for identity verification and security confirmation and will not be used for marketing or other contact purposes.

We will only retain relevant information for the period necessary to provide the service. After the service ends or the retention period expires, we will anonymize or securely delete the data in accordance with the law.

How Information is Stored

We store your personal information in strict accordance with relevant laws, regulations, and industry security standards. All data is encrypted and uploaded to a secure cloud server environment at:

https://bleopt.manipulationlegitimacy.com/

During data storage, we implement tiered protection measures based on the sensitivity of different information:

• Sensitive data such as identity authentication information and bank card information are encrypted and stored in isolation with high strength;
• Other necessary information is protected using standard security technologies.

We implement a strict access control mechanism, authorizing only necessary personnel to access relevant data in specific business scenarios. All systems are equipped with basic security protection and undergo regular security testing.

Regarding data retention periods, we adhere to the principle of "necessary and compliant":

• Information related to credit limit assessment will be retained for a reasonable period as required by regulations after the service process ends;
• Basic account information will be continuously retained during your use of the service.

When you cancel your account, or when relevant information exceeds the legal or agreed retention period, we will use reliable technical means to securely delete or anonymize the data to ensure it cannot be recovered or identified.

Data Retention and Deletion

You always retain full control over your personal information, and we strictly adhere to the rights of data portability and deletion. You can initiate data deletion through the following channels:

• Mobile Self-Service Channel: Submit a data deletion request within the app
• Link Verification Process: Submit a data deletion request via the data deletion link

Information cannot be recovered after account cancellation. Data deletion requests will be approved within 48 hours. Please ensure all withdrawn funds have been repaid before account cancellation.

Privacy Policy Changes

To adapt to business development and changes in laws and regulations, we may update this Privacy Policy from time to time. The updated version will be published on our official website and application and will automatically replace the previous version. If the changes involve important content such as the main purpose, scope, or data sharing targets of our collection and use of your personal information, we will notify you through prominent means such as in-app notifications, site messages, or emails. For non-substantive adjustments (such as word optimization, updated contact information, etc.), we will directly update the effective date on the policy page and keep it publicly displayed. Your continued use of our services indicates your agreement to accept the revised Privacy Policy. If you do not agree to the relevant changes, you have the right to stop using the service and apply to cancel your account. We recommend that you review this policy regularly to understand the latest changes. If you need to obtain previous versions, please contact us through customer service channels.

Contact Us

If you have any questions, comments, or feedback while using LineFlex, please feel free to contact us. We will do our best to provide you with support and assistance.