Effective Date: March 15, 2025 Scope: This Policy applies to all personal information submitted by users through this website (www.iphone55.cc). 1. Scope of Information Collection Required Information: Identity Information: Name, ID number, facial recognition data (for real-name verification). Contact Information: Phone number, email address, physical address. Financial Information: Bank card number, repayment records, credit reports. Automatically Collected Information: Device Information: IP address, browser type, operating system. Behavioral Data: Page browsing history, clickstream data, cookie information. 2. Purpose of Information Use To verify identity, assess creditworthiness, and provide installment services. For risk control (e.g., fraud prevention, overdue payment collection). To send service notifications, payment reminders, and marketing messages (users may opt out). 3. Information Sharing and Disclosure Third-Party Sharing: Share necessary information with financial institutions, payment processors, and credit agencies to complete transactions. Provide address information to logistics partners for product delivery. Legal Requirements: Disclose information in compliance with court orders or government agency requests. 4. Information Security Measures Use SSL encryption for data transmission and firewalls to protect servers. Conduct regular security audits and restrict employee access to user information. 5. User Rights Access and Correction: Access or modify personal information via account settings or customer service. Account Deletion: After account cancellation, retained information will be processed per legal requirements. Opt-Out of Marketing: Unsubscribe via “opt-out links” or by contacting customer service. 6. Cookies and Tracking Technologies This website uses cookies to enhance user experience. Users may disable cookies via browser settings, but this may affect functionality. 7. Policy Updates Revised terms will be posted on the website. Continued use of services constitutes acceptance of updated terms.