By accessing the "HappyNows" mobile and/or web applications ("Apps") (collectively, the "Platforms") and By utilizing the services we provide ("Services"), you agree to be bound by these terms and conditions Privacy Policy.
By mere access to the Platform or any part thereof, you signify your assent to this Privacy Policy and consent to the processing of your personally identifiable information (Personal Information, Sensitive Personal Data or Information) to GRIFFIN MICROFINANCE COMPANY LIMITED("we" or "our" or "us" or "HappyNows"). This Privacy Policy is incorporated into and subject to the Terms of Use of the Platform.
For the purpose of this Privacy Policy, the users of the Services may be customer/applicant / borrower/ consumers, or any other persons using Services or accessing our Platform ("user" or "you" or "your").
means the unique account you create to access our Services or parts of our Services.
means an entity that controls, is controlled by, or is jointly controlled by a party, where "control" means ownership of 50% or more of shares, equity or other securities entitled to vote for directors or other governing bodies.
means that you download and use a software program named "HappyNows" on any electronic device.
means any device that can access the Service such as a computer, a cellphone or a digital tablet.
is any information that relates to an identified or identifiable individual.
represents the current application.
means any natural or legal person who processes this data on behalf of the Company. Refers to third-party companies or individuals employed by the Company to facilitate the Services, provide the Services on behalf of the Company, perform the Services in connection with the Services, or assist the Company in analyzing the use of the Services.
means data collected automatically, or data generated by using the Services, or data generated from the service infrastructure itself (for example, the duration of page visits).
means the individual accessing or using the Service, or the Company, or other legal entity on whose behalf such individual is accessing or using the Service.
means know your customer, that is to fully understand your customer, conduct a comprehensive review of the customer, understand the legitimacy of their identity, and prevent fraud.
Get a better understanding of who you are with the app and ensure your users meet their credit needs. Therefore, before you submit your application, your authorization will be required to collect "Contact" and "SMS" information and upload it to "happynows.com". We are committed to encrypting data and ensuring the security of information using secure data transfer protocols. Feel free to use it. If you do not agree, we will not do this, and the application will not be able to provide you with normal services and exit the application.
In short, to create an account on the platform, you must provide us with some basic information required to customize our service. The information that needs to be collected includes:
Specific information description: Device brand/model, Android Version , List of installed apps.
Usage description: Check the mobile phone operating environment to ensure service security and Provide you with personalized products and services.
Specific information description: Mobile phone number, Basic information: name, ID number, gender, birthday, education, location, etc.
Contact information: emergency contact name/phone.
Occupation information: occupational identity, occupation type, industry, monthly income.
Usage description:Mobile phone number login, Identify the real identity of users,used for risk decision-making to ensure service security.
Specific information description: Device brand/model, Android Version , List of installed apps.
Usage description: Check the mobile phone operating environment to ensure service security and Provide you with personalized products and services.
We highlight required fields and optional fields. You can fill in the information based on your actual needs.
We also collect user account data, including email addresses and user public profile information such as name, photo, ASID, depending on the social media or web platform you use, such as Google or Facebook to log into an app. This information is part of accessing our services and is also used to automatically populate relevant fields during the application's interface process.
When you establish a free account with us, we will further collect additional identifiable information such as Your transaction records, details, etc. on the platform. Also you can browse some parts of our platform Without the above-mentioned registered members, certain activities (such as in platform) is only available after registration, you should provide the above information when registering registration process.
The platform will clearly display the personal information it collects from you that you can choose not to provide. However, this will limit the services available to you on the platform.
We collect and monitor the information about the location of your device to provide serviceability of your loan application, to reduce risk associated with your loan application and to provide pre-approved customised loan offers. This also helps us to verify the address, make a better credit risk decision and expedite KYC process.
Information the App collects, and its usage, depends on how you manage your privacy controls on your device. When you install the App, we store the information we collect with unique identifiers tied to the device you are using. We collect information from the device when you download and install the App and explicitly seek permissions from You to get the required information from the device.
The information we collect from your device includes the hardware model, build model, RAM, storage unique device identifiers like IMEI, serial number, SSAID SIM information that includes network operator, roaming state, MNC and MCC codes, WIFI information that includes MAC address and mobile network information to uniquely identify the devices and ensure that no unauthorized device acts on your behalf to prevent frauds.
We collect information about your device to provide automatic updates and additional security for your Account is not in use on someone else's device. Additionally, this information provides us with valuable feedback Your identity as the device owner and your device behavior, allowing us to improve our service and provide you with an enhanced customized user experience.
In order to ensure that real users use the application in a normal environment, instead of using a simulator for fraudulent activities, we need to obtain your call records, including phone number, name and call time. Call log information will not be shared with third parties.
We require camera access to scan and capture the required KYC documents thereby allowing us to auto-fill relevant fields.
As a part of our KYC process, we require access to your camera to enable you to initiate your KYC process. This permission allows us or our authorised agents to perform your Photo KYC while also taking screenshots of your original Officially Verified Documents that you present during your Photo KYC process. Photo KYC enables you to complete your KYC digitally, smoothly and efficiently. Your photo shall be recorded and retained for regulatory purpose along with original Official Verified Documents. We will delete the images after we have determined your risk profile.
We collect a list of the installed applications information which includes the application name, package name, installed time, updated time, version name and version code of each installed application on your device to assess your credit worthiness and enrich your profile with pre-approved customized loan offers. We will delete the images after we have determined your risk profile.
The App has a link to a registered third party SDK which collects data on our behalf and data is stored to a secured server to perform a credit risk assessment. We ensure that ourselves /our third party service provider takes extensive security measures in order to protect your personal information against loss, misuse or alteration of the data.
Our third-party service provider employs separation of environments and segregation of duties and have strict role-based access control on a documented, authorized, need-to-use basis. The stored data is protected and stored by application-level encryption. They enforce key management services to limit access to data.
Furthermore, our registered third party service provider provides hosting security – they use industry-leading anti-virus, anti-malware, intrusion prevention systems, intrusion detection systems, file integrity monitoring, and application control solutions.
We automatically track certain information about you based upon your behaviour on our Platform. We use this information to do internal research on our users’ demographics, interests, and behaviour to better understand, protect and serve our users and improve our services. This information is compiled and analysed on an aggregated basis. We also collect your Internet Protocol (IP) address and the URL used by you to connect your computer to the internet, etc. This information may include the URL that you just came from (whether this URL is on our Website or not), which URL you next go to (whether this URL is on our Website or not), your computer browser information, and your IP address.
Cookies are small data files that a Website stores on Your computer. We will use cookies on our Website similar to other lending websites / apps and online marketplace websites / apps. Use of this information helps Us identify You in order to make our Website more user friendly. Most browsers will permit You to decline cookies but if You choose to do this it might affect service on some parts of Our Website.
If you choose to get a loan through the Platform, we collect information about your applying behavior.
We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law.
If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Website, we collect such information into a file specific to you.
We understand the importance of your information and ensure that it is used for the intended purpose only. We access, store and use the information we collect from you in accordance with the applicable laws to provide our Services, to research and develop new ones subject to the limitations set out in this Privacy Policy.
During filing the form on our App, we collect and monitor your contact information which includes name, phone number, account type, contact last modified, favourites and other optional data like relationship and structural address to enable you to autofill the data during the loan application process. This information is required for the purposes of risk analysis, enable us to detect credible references assess your risk profile and to determine your loan eligibility. as well as to inform you of the outcome of your application and loan repayment reminders via SMS.
We need your device location authorization to collect location-related information, which includes the location method of the user device, location time, longitude, latitude, current location, location area code, etc. Using your location information, we will be able to check your credit rating as well as increase the security of your account. In the event that an abnormality is discovered, you will be notified promptly.
Only for photographing document information.
We will also read the list of applications installed on your device, which will be used to screen for malware and cheaters, so as to maintain the environment of the mobile phone system and the security of lending services.
The Service Providers We use may have access to Your Personal Data. These third-party vendors collect, store, use, process and transfer information about Your activity on Our Service in accordance with their Privacy Policies.
We may use third-party Service providers to monitor and analyze the use of our Service.
Firebase is an analytics service provided by Google Inc.
You may opt-out of certain Firebase features through your mobile device settings, such as your device advertising settings or by following the instructions provided by Google in their Privacy Policy: https://policies.google.com/privacy
We also encourage you to review the Google's policy for safeguarding your data: https://support.google.com/analytics/answer/6004245
For more information on what type of information Firebase collects, please visit the How Google uses data when you use our partners' sites or apps webpage: https://policies.google.com/technologies/partner-sites
Their Privacy Policy can be viewed at https://www.appsflyer.com/cn/product/security-and-privacy/
We may provide paid products and/or services within the Service. In that case, we may use third-party services for payment processing (e.g. payment processors).
We will not store or collect Your payment card details. That information is provided directly to Our third-party payment processors whose use of Your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.
Their Privacy Policy can be viewed at https://wavemoney.com.mm/privacy-policy
The Company uses remarketing services to advertise to You after You accessed or visited our Service. We and Our third-party vendors use cookies and non-cookie technologies to help Us recognize Your Device and understand how You use our Service so that We can improve our Service to reflect Your interests and serve You advertisements that are likely to be of more interest to You.
These third-party vendors collect, store, use, process and transfer information about Your activity on Our Service in accordance with their Privacy Policies and to enable Us to:
Measure and analyze traffic and browsing activity on Our Service Show advertisements for our products and/or services to You on third-party websites or apps Measure and analyze the performance of Our advertising campaigns
Some of these third-party vendors may use non-cookie technologies that may not be impacted by browser settings that block cookies. Your browser may not permit You to block such technologies. You can use the following third-party tools to decline the collection and use of information for the purpose of serving You interest-based advertising:
The NAI's opt-out platform:http://www.networkadvertising.org/choices/
The EDAA's opt-out platform:http://www.youronlinechoices.com/
The DAA's opt-out platform:http://optout.aboutads.info/?c=2&lang=EN
You may opt-out of all personalized advertising by enabling privacy features on Your mobile device such as Limit Ad Tracking (iOS) and Opt Out of Ads Personalization (Android). See Your mobile device Help system for more information.
We may share information, such as hashed email addresses (if available) or other online identifiers collected on Our Service with these third-party vendors. This allows Our third-party vendors to recognize and deliver You ads across devices and browsers. To read more about the technologies used by these third-party vendors and their cross-device capabilities please refer to the Privacy Policy of each vendor listed below.
Google Ads (AdWords) remarketing service is provided by Google Inc.
You can opt-out of Google Analytics for Display Advertising and customise the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads
Google also recommends installing the Google Analytics Opt-out Browser Add-on https://tools.google.com/dlpage/gaoptout for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy
Facebook remarketing service is provided by Facebook Inc.
You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/516147308587266
To opt-out from Facebook's interest-based ads, follow these instructions from Facebook: https://www.facebook.com/help/568137493302217
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy
Facebook adheres to the Self-Regulatory Principles for Online Behavioural Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/, the Digital Advertising Alliance of Canada in Canada http://youradchoices.ca/ or the European Interactive Digital Advertising Alliance in Europe http://www.youronlinechoices.eu/, or opt-out using your mobile device settings.
For more information on the privacy practices of Facebook, please visit Facebook's Data Policy: https://www.facebook.com/privacy/explanation
We reserve the right to change, modify, add, or remove portions of this Privacy Policy at any time for any reason. In case, any changes are made in the Privacy Policy, we shall update the same on the Platform. Once posted, those changes are effective immediately, unless stated otherwise. We encourage you to periodically review this page for the latest information on our privacy practices. Continued access or use of the Services constitute Your acceptance of the changes and the amended Privacy Policy.
At any point of time Users can choose to edit/modify or delete/withdraw any Personal Information shared for use of the Platform. Please note that deleting or withdrawing information may affect the Services we provide to you. In case of modification of Personal Information, Users will be required to furnish supporting documents relating to change in Personal Information for the purpose of verification by the Company.
I. Device-level settings: Your device may have controls that determine what information we collect. For example, you can modify permissions on your Android device for access to Camera or Audio permissions.
II. Delete your entire App account.
III. You can also request to remove content from our servers based on applicable law or by writing to our Grievance Officer.
1. ISO 9001: being the international standard that details requirements for a quality management system (QMS). Organizations use the standard to demonstrate the ability to consistently provide products and services that meet customer and regulatory requirements with the requisite security protections.
2. ISO 27001 (formally known as ISO/IEC 27001:2005): is a specification for an information security management system (ISMS) and is the suggested level of certification required under the Information Technology Act, 2000. An ISMS is a framework of policies and procedures that includes all legal, physical and technical controls involved in an organization’s information risk management processes.
3. We aim to protect from unauthorized access, alteration, disclosure or destruction of information we hold, including:
Our Platform links to other websites that may collect information about you. We are not responsible for the privacy practices or the content of those linked websites. With this Policy we’re only addressing the disclosure and use of data collected by Us. If You visit any websites through the links on the Website, please ensure You go through the privacy policies of each of those websites. Their data collection practices, and their policies might be different from this Policy and We do not have control over any of their policies neither do we have any liability in this regard.
By using the Platform and by providing your information, you consent to the collection, sharing, disclosure and usage of the information that you disclose on the Platform in accordance with this Privacy Policy.
If we decide to change our Privacy Policy, we will post those changes on this page so to make you aware of the information we collect, how we use it, and under what circumstances we share and disclose it.
Email:happy.nows568@outlook.com