This document was last updated on 08.05.2024

Privacy Policy

Mobile app «LemónCrédito: Préstamo Rápido»

https://play.google.com/store/apps/details?id=com.astroscape.galacticodyssey.cosmicwanderer

This page informs you of our policies regarding the collection, use and disclosure of personal data when you use our Service and the choices you have associated with that data.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions.

1.  Definitions

• Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
• Data subject is any identified or identifiable natural person whose personal data is processed by the controller responsible for the processing.
• Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
• Processing is any operation or set of operations which is performed on personal data or on sets of personal data, including, without limitation, collection, recording, organisation, structuring, storage, adaptation or modification, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise provision, alignment or combination, limitation, erasure or destruction.
• Third party is a natural or legal person, public body, agency or body other than the data subject, controller, processor and person who, under the direct authority of the controller or processor, is authorized to process personal data.
• Consent of the data subject is any free, specific, informed and unambiguous indication of the will of the data subject, by which he indicates consent to the processing of his personal data.
• Cookies are small files stored on your device (computer or mobile device). 

2. Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service to you.

2.1. Types of Data Collected

2.1.1. Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:

· Email address

· First name and last name

· Phone number

· Address, State, Province, ZIP/Postal code, City

· Cookies and Usage Data

2.1.2. Usage Data

When you access the Service with a mobile device, we may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data ("Usage Data").

2.1.3. Tracking Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and we hold certain information.

Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyse our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

· Session Cookies. We use Session Cookies to operate our Service.

· Preference Cookies. We use Preference Cookies to remember your preferences and various settings.

· Security Cookies. We use Security Cookies for security purposes.

2.2. Use of Data

 LemónCrédito: Préstamo Rápido uses the collected data for various purposes:

· To provide and maintain our Service

· To notify you about changes to our Service

· To allow you to participate in interactive features of our Service when you choose to do so

· To provide customer support

· To gather analysis or valuable information so that we can improve our Service

· To monitor the usage of our Service

· To detect, prevent and address technical issues

2.2.1. Transfer of Data

Your information, including Personal Data, may be transferred to - and maintained on - computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.Personal data is not collected in application and used only on the side of financial organizations presented in application.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

LemónCrédito: Préstamo Rápido will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organisation or a country unless there are adequate controls in place including the security of your data and other personal information. 

2.2.2. Disclosure of Data

LemónCrédito: Préstamo Rápido may disclose your Personal Data in the good faith belief that such action is necessary to:

· To comply with a legal obligation

· To protect and defend the rights or property of LemónCrédito: Préstamo Rápido

· To prevent or investigate possible wrongdoing in connection with the Service

· To protect the personal safety of users of the Service or the public

· To protect against legal liability

2.2.3. Security of Data

The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

2.3. Data Processor

In some cases, external service providers may be used who are bound by instructions to process your data. These are carefully selected, commissioned and regularly checked. The contracts are based on data processing agreements in accordance with Art. 28 GDPR. The processor does not process the data independently for his own purposes.

This app with bundle com.astroscape.galacticodyssey.cosmicwanderer is being operated and controlled by: MagicAppsStudio;

Email: fantinacaisse@gmail.com;

Privacy Policy Website: https://gungmapapp.cyou/policy.html.

3.  Service Providers

We may employ third party companies and individuals to facilitate our Service ("Service Providers"), provide the Service on our behalf, perform Service-related services or assist us in analysing how our Service is used. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

3.1. Analytics

We may use third-party Service Providers to monitor and analyse the use of our Service.

3.1.1.Firebase

Firebase is 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?hl=en

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 Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

3.1.2. AppMetrica

This app uses AppMetrica (Yandex.Metrica for applications) analytics provided by YANDEX LLC, 16, Leo Tolstoy St., Moscow, 119021, Russia (hereinafter referred to as “Yandex”) as specified in the Terms of Use of the service. AppMetrica analyzes app usage data, including the device it is running on, the installation source, calculates conversion, collects statistics of your activity for product analytics, ad campaign analysis, and optimization, as well as for troubleshooting. Information collected in this way cannot identify you. Depersonalized information about your use of this app collected by AppMetrica tools will be transferred to Yandex and stored on Yandex’s server in the EU and the Russian Federation. Yandex will process this information to assess how you use the app, compile reports for us on our app operation, and provide other services.

If the User is subject to the General Data Protection Regulation (General Data Protection Regulation; hereinafter 'GDPR'), then the use of Yandex.Metriсa service is covered by the document that is available at: https://yandex.com/legal/metrica_termsofuse

The use of the Service by the User is regulated by this Agreement, as well as:

• the User Agreement for Yandex services, available at: https://yandex.com/legal/rules,
• Privacy Policy, available at: https://yandex.com/legal/confidential,
• the Data Processing Agreement, available at: https://yandex.com/legal/metrica_agreement.

3.1.3. AppsFlyer

AppsFlyer allows you to measure the effectiveness of mobile app marketing, analyze and view data from different angles and protect your budget from fraudsters https://www.appsflyer.com/trust/privacy/

3.2. Another services

3.2.1. Cloudflare - Content Delivery Network (CDN) Cloudflare

We use a Content Delivery Network service on our pages from Cloudflare, Inc. (referred to as the "CDN") - Cloudflare, Inc., 405 Comal St., Austin, TX 78702, USA, ("Cloudflare")

For the purpose of a shorter loading time of our online presence, we use a so-called Content Delivery Network ("CDN"), in which the website is delivered via web servers from the CDN as a service provider based on a data processing agreement. With the CDN, content from our website such as images, fonts, stylesheets and scripts are delivered to you faster via a network of servers. For this purpose, the browser you are using must connect to the CDN's servers. This way the CDN becomes aware that your IP address, along with any other information that your browser may reveal, has been used to access our website.

The data collected will only be used for the aforementioned purpose and to maintain the functionality and security of the CDN. Further information can be found in Cloudflare's privacy policy: https://www.cloudflare.com/privacypolicy/. The use of the CDN serves to protect our predominantly legitimate interests within the scope of a weighing of interests according to Art. 6 Para. 1 S. 1 lit. f) GDPR in a secure provision and optimization of the online offer.

4.  Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

5. Special Terms

5.1. Children's Privacy

Our Service does not address anyone under the age of 18 ("Children").We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

5.2. Rights of the data subject

Pursuant to statutory provisions, you can assert the following rights vis-à-vis the data processing controller free of charge:

• Right to access by the data subject (Art. 15 GDPR,  #127/31);
• Right to rectification and erasure (Art. 16 and Art. 17 GDPR);
• Right to restriction of processing (Art. 18 GDPR);
• Right to data portability (Art. 20 GDPR);
• Right to object (Art. 21 GDPR).

You also have the right to complain to a data protection supervisory authority concerning the controller's processing of your personal data.

5.3. California Residents Privacy Rights

Pursuant to the California Consumer Privacy Act (the "CCPA") as amended by the California Privacy Rights Act, this section applies to certain personal data collected about California individuals where Bodis controls how and why the personal data is processed (which the CCPA calls a "business") and supplements the rest of our Policy above.

The CCPA requires that we detail the categories of personal information that we disclose for certain "business purposes", such as to service providers that assist us with securing our services or marketing our products, and to such other entities. We collect the personal information for the business and commercial purposes as described in the "Purposes for which we use personal data" section above. We share this information as described in the "How do we share your personal data?" section below.

We do not knowingly sell or share any personal data of minors under the age of 16. We do not collect or process "sensitive personal information", as defined by the CCPA, to infer characteristics about you.

Subject to legal limitations, California residents may have the below rights:

• Right to Know. You have the right to request information about the categories of personal data we have collected about you, the categories of sources from which we collected the personal data, the purposes for collecting the personal data, the categories of third parties to whom we have disclosed your personal data, and the purpose for which we disclosed your personal data. You may also request information about the specific pieces of personal data we have collected about you.
• Right to Delete. You have the right to request that we delete personal data that we have collected from you.
• Right to Correct. You have the right to request that we correct inaccurate personal data that we maintain about you.
• Right to Opt Out of Sale or Sharing. We do not sell personal data to third parties in exchange for money. You may still email us using the information below to exercise your right to opt out of sale under applicable law. You may still email us using the information below to exercise your right to opt out of sale under applicable law.

5.4. Colorado, Connecticut, Utah, and Virginia residents Privacy Rights

The Colorado Privacy Act, the Connecticut Data Privacy Act, the Virginia Consumer Data Protection Act, and the Utah Consumer Privacy Act — each provide certain rights to residents of Colorado, Connecticut, Virginia, and Utah, respectively. This section applies to you if you are a natural person who is a resident of the States of Colorado, Connecticut, Utah or the Commonwealth of Virginia and use our Services (each and all of whom shall be referred to collectively, as the "Consumer"). Certain terms used below have the meanings given to them in the respective laws.

In addition to your rights of access, correction, deletion and data portability, as described in the Privacy Policy, the Consumers may have certain additional rights in connection with the personal data we collect about you, many of which are subject to exceptions under applicable law:

• The right to non-discrimination. We will not deny, charge different prices for, or provide a different level of quality of goods or services if you choose to exercise your rights.
• The right to opt out of the sale and/or processing of your personal data. You have the right to opt out of the sale of your personal data to a third party and/or the processing of your personal data for the following purposes: (i) targeted advertising; and (ii) profiling. We do not sell your personal data as defined under applicable law. If you are a Colorado, Connecticut, Utah, or Virginia resident, you may nevertheless email us using the information below to exercise your right to opt out of sale under applicable law.

To submit a request under this section to the publisher of the website, contact us at: fantinacaisse@gmail.com. To protect your privacy and maintain security, we take steps to verify your identity before complying with your request.

5.5. Legal Basis for Processing of Your Data (GDPR)

If the legal basis is not listed in the Privacy Policy, the following applies (according to General Data Protection Regulation):

• Insofar as the data subject provides consent for processing, Art. 6 para. 1 sentence 1 lit. a) GDPR is the legal basis;
• In case of processing of personal data necessary for the fulfillment of a contract, the legal basis is Art. 6 para. 1 sentence 1 lit. b) GDPR;
• Insofar as processing of personal data is necessary for the fulfillment of a legal obligation, the legal basis is Art. 6 para. 1 sentence 1 lit. c) GDPR;
• In the event that vital interests of the data subject or of another natural person require a processing of personal data, the legal basis is Art. 6 para. 1 sentence 1 lit. d) GDPR;
• If processing is necessary to safeguard legitimate interests of our company or of a third party and if the interests, basic rights, and basic freedoms of the data subject do not outweigh these legitimate interests, the legal basis for processing is Art. 6 para. 1 sentence 1 lit. f) GDPR.

6. An Example of a Loan Calculation

To be eligible for loan approval, you must agree to the following conditions:

• The minimum loan maturity is 93 days.
• The maximum loan maturity is 365 days.
• The maximum Annual Percentage Rate (APR), including loan interest, as well as all other commissions and expenses for the year, is 35%, with a minimum of 35%. The annual interest for using the credit ranges from a minimum of 35% to a maximum of 35%.
• The minimum rate for using a loan per day is 0.01%.
• The maximum rate for using a loan per day is 0.01%.
• Penalty for delay: 0.1% of the amount of delay per day, not exceeding 10% of the loan amount.
• Other commissions/fees: None.

Example of Interest Rate Calculation

Representative example of the total cost of the loan:

• Loan amount: $10,000.
• Loan term: 100 days.
• Loan commission: 0.01% per day, equal to $10 per day or 3% per month (averaged over 30 days), totaling $300 per month (averaged over 30 days).
• The total commission for 100 days is $1,000.
• The total amount to be repaid, considering the loan amount, is $11,000.
• Full Loan Cost (FLC) percentage: 35.9% per annum.

Consequences of Delayed Loan Repayment:

In the event of a delay in online loan repayment, the forfeit may be 0.1% of the total delay amount per day, with a cap of 10% of the total loan amount.

Borrower Requirements:

• Age: 18 to 65 years old.
• Required documents: Passport or ID.
• Loan term: 93 to 365 days.
• Loan repayment period: 93 to 1826 days (including any possible prolongation).

7. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the "effective date" at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

8. Contact Us

If you have any questions about this Privacy Policy (https://gungmapapp.cyou/policy.html), please contact us by email: fantinacaisse@gmail.com