Privacy Policy

Effective Date: February 16th, 2025

Hebei Kaisheng Network Technology Co., Ltd. ("we", "our", or "us") fully understands the importance of your personal information and is committed to protecting the privacy and data security of users who use our mobile application MonCalc (hereinafter referred to as "this App"). This Privacy Policy explains how we collect, use, store, and protect your personal data and outlines your rights regarding that information.

By using this App, you acknowledge and agree to the practices described in this Privacy Policy. If you do not agree with any part of this policy, please discontinue using the App immediately.

1. Information We Collect

To deliver our services and improve the functionality of MonCalc, we may collect the following categories of information in accordance with legal, necessary, and transparent principles:

1.1 Login Information

To authenticate and manage user accounts, we support the following login methods:

• SMS Verification Login: We collect your phone number and verification code when you log in via SMS. This is used solely for authentication and account management. Your number will not be used for promotional purposes.
• Google Login: If you choose to log in with your Google account, we will, with your explicit permission, collect basic profile information from Google, including your name, email address, profile picture, and a unique identifier. This information is used strictly for user identification and account creation within the App.

We do not collect any data beyond what is authorized by you.

1.2 Functional Data

When using the loan calculator, we may collect:

• Inputs such as loan amount, interest rate, repayment term, repayment method, and related parameters;
• The results generated from your loan calculations;
• Optionally, your calculation history if you choose to save records locally.

This data is used solely to support in-app functionality and is not used for advertising or profiling purposes.

1.3 Device and Technical Information

To ensure proper performance and security, we may collect technical data such as:

• Device type, operating system version, unique identifiers (e.g., Android ID);
• Network status, IP address, system language, and time zone;
• Crash reports, error logs, usage statistics (e.g., feature usage, page views).

This information is collected in anonymized or de-identified form and used strictly for technical analysis and product improvement.

2. How We Use Your Information

We use the information we collect only for the purposes listed below:

• To authenticate users and manage account services;
• To operate and improve the core loan calculator features;
• To send service updates or technical notices when necessary;
• To analyze usage and enhance user experience;
• To maintain the security and stability of the App;
• To comply with legal and regulatory obligations.

We do not use your personal data for advertising, tracking, or profiling.

3. Information Sharing and Disclosure

We do not sell, rent, or disclose your personal information to any third parties unless one of the following applies:

• With your explicit consent;

• To service providers: We may share data with trusted partners who help us operate the App, such as:

  • Google Login (for authentication)
  • Firebase (for push notifications)

  These third parties are contractually obligated to handle your data only as necessary to provide services to us.

• Legal Requirements: If required by law or legal processes (e.g., law enforcement requests, court orders);
• Business Transfers: In the event of a merger, acquisition, or restructuring, your information may be transferred to a successor entity, provided the same or equivalent level of data protection is maintained.

We carefully assess third-party compliance and security policies before data sharing.

4. Data Storage and Security

We take strong measures to protect your data and ensure its confidentiality:

• Data Storage: Your data may be stored securely on servers located in compliant cloud service environments. Some data may be saved locally on your device.
• Retention: Personal data is retained only for as long as necessary to fulfill the purposes outlined in this policy or as required by law. When no longer needed, data will be deleted or anonymized.

• Security Measures:

  • Encryption of sensitive data;
  • Access control and staff confidentiality training;
  • Regular security audits and system monitoring;
  • Secure transmission protocols.

Despite our best efforts, no internet transmission or storage system is 100% secure. If a data breach occurs, we will notify affected users promptly in accordance with applicable laws.

5. Your Rights

You have the following rights with respect to your personal information:

• Right to Access: You may request to view your personal data we hold;
• Right to Correct: You can request corrections to inaccurate or incomplete data;
• Right to Delete: You may request deletion of your data under certain circumstances;
• Right to Withdraw Consent: You may withdraw your authorization at any time, which may impact your ability to use some features;
• Right to Account Deletion: You may request account deactivation and full data removal.

To exercise these rights, please contact us using the information provided below. We will respond within a reasonable time, typically within 7 business days.

6. Protection of Minors

This App is not intended for children under the age of 14. We do not knowingly collect personal data from minors without parental or guardian consent.

If you are a parent or guardian and believe we have collected personal information from a child under 14 without proper consent, please contact us immediately. We will delete the relevant data as quickly as possible.

7. Use of Third-Party Services

To support certain functionalities, MonCalc integrates with trusted third-party services:

• Google Login: For streamlined authentication;
• Firebase Cloud Messaging: For system notifications and alerts;

These services may collect data according to their own privacy policies. We encourage you to review them:

• Google Privacy Policy: https://policies.google.com/privacy
• Firebase Privacy Policy: https://firebase.google.com/support/privacy

We are not responsible for how these third parties process your data.

8. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in legal requirements or business needs. Updated versions will be posted on this page, and we will notify you of significant changes via in-app notifications.

By continuing to use the App after any updates, you agree to the revised Privacy Policy.

9. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us via:

• Email: [email protected]

We will do our best to respond within 7 business days.