This Privacy Policy is intended to explain to DumboCash users how we lawfully collect, use, store, and protect your personal information in the course of providing our products and services.
DumboCash is developed, operated, and managed by the relevant operating entity FRAJO BLUEBRIDGE LTD (hereinafter referred to as "DumboCash," "we," or "our"). We are committed to processing data related to you in accordance with the principles of lawfulness, legitimacy, and necessity.
Please note that this Privacy Policy applies only to the services provided through the DumboCash mobile application and the official website (https://www.dumbocash.com). It does not apply to any third-party websites, applications, or services that are not directly operated or controlled by us, even if such third-party services may be accessed or linked through DumboCash.
We strongly recommend that you carefully read and fully understand the entire content of this Privacy Policy before using DumboCash services, especially the provisions relating to information collection, use, and user rights.
When you use DumboCash services in any of the following ways, you are deemed to have fully read, understood, and agreed to all the contents of this Privacy Policy:
Your access to or use of DumboCash services constitutes your acknowledgment and acceptance of our processing of your information in accordance with this Privacy Policy.
This Privacy Policy provides a detailed explanation of how DumboCash processes personal information during service provision, including but not limited to the collection, use, analysis, storage, maintenance, correction, updating, transmission, disclosure, and deletion or anonymization of information in compliance with legal requirements.
During your registration for a DumboCash account and continued use of our services, we may collect necessary information through the mobile application and official website. The use, processing, and transmission of such information are strictly governed by this Privacy Policy and are limited to what is reasonably necessary to support service functionality, risk management, and compliance obligations.
DumboCash is a digital financial service support platform designed primarily to assist users in completing fund-related service applications and necessary process management with relevant partner institutions.
By accessing or using DumboCash services, you acknowledge and agree that we process your personal information in the manner described in this Privacy Policy.
DumboCash collects information only to the extent necessary to provide services, ensure security, and fulfill legal obligations. Such collection mainly occurs in the following scenarios:
When creating an account, submitting a service application, or undergoing identity verification, we may require you to provide certain basic information to confirm account ownership, complete service processes, and prevent impersonation.
Used for account identification, identity verification, and service communication, which may include:
During service evaluation or risk assessment, you may be required to provide:
During application operation, the system may automatically record certain technical information. Such information is not used alone to identify you, but to help determine application stability and correct function execution.
Used for security verification, risk assessment, and system operation, including:
When you contact us, the following information may be involved:
Depending on the functions you use, DumboCash may request certain device permissions. Such permissions are requested only for explicit purposes and are enabled only after obtaining your consent, in order to support identity verification, risk assessment, or system validation.
Used in necessary scenarios to determine service availability regions and assist with risk control, generally in the form of approximate location data.
When you use certain DumboCash functions (such as identity verification, document submission, or account security validation), we may request access to your device’s camera with your active participation.
Camera access is strictly limited to completing the specific service you initiate, such as capturing or uploading required verification materials to validate the authenticity and completeness of information.
During risk identification and credit assessment processes, the following basic application attributes may be involved:
We do not access application content or personal data within applications.
Where permitted by law, this may include:
Where required by applicable laws or regulatory authorities, we may lawfully collect or retain additional information or documents.
Users understand and acknowledge that the collection of the above information is intended to support DumboCash service provision, conduct risk assessments, fulfill compliance obligations, and protect the legitimate rights and interests of both the platform and users.
All information processing strictly adheres to the purposes stated in this Privacy Policy and will not exceed reasonable and necessary scope.
As the controller and manager of personal data, DumboCash collects service-related personal information independently or through authorized partners in compliance with applicable laws and regulations. All collection activities are based on lawful, fair, and necessary principles and supported by valid legal grounds.
Where required or permitted by law, we will obtain your explicit consent prior to collecting personal information. Only in cases explicitly exempted by law will information be processed without consent.
To ensure information security and comply with industry standards, DumboCash implements encryption and other protective measures during data transmission, storage, and processing.
When information is submitted through the application, it is transmitted via secure encrypted channels and uploaded to our servers using HTTPS and other secure protocols.
Except where necessary to fulfill the purposes stated in this Privacy Policy or required by law, we do not disclose your personal information to unauthorized third parties.
We use information solely for the following core purposes:
We do not use your personal information for commercial purposes unrelated to DumboCash services.
DumboCash values transparency in permission usage and only requests permissions when functionally necessary.
When you use certain service features of DumboCash, we may request access to your device's camera.
This permission is mainly used in the following scenarios:
DumboCash does not continuously access the camera in the background, nor does it capture or store images without your active operation. Data collected through the camera is used solely for verification-related purposes and will be handled in accordance with established security rules once the relevant process is completed.
When specific features are enabled, DumboCash may request access to your location information.
Such information is primarily used for the following compliance and security-related purposes:
We collect location information only when necessary and generally use approximate location data. We do not continuously track your real-time whereabouts. Location information is not used for advertising, user profiling, or purposes unrelated to the service.
When you apply for services or perform account verification through DumboCash, the application may collect certain device-related information.
Such information typically includes the device name, device type and model, operating system version, and device operating status.
This information is mainly used for the following purposes:
DumboCash uses device information only to the extent necessary for identity verification and risk assessment. Such data will not be used for purposes unrelated to the service, nor will it be disclosed to unauthorized third parties. If you choose to restrict the collection of such information, certain features that require security verification may not function properly.
To evaluate advertising performance and identify user acquisition sources, DumboCash may collect your device’s Advertising Identifier (Advertising ID) with system authorization.
The Advertising Identifier is mainly used for the following purposes:
The Advertising Identifier is not used to directly identify your real identity. You may view, reset, or restrict the use of the Advertising Identifier at any time through your device system settings. Relevant data may be shared with advertising and data analytics partners, strictly for the purposes described above.
When you use DumboCash features, the system may record your interactions with the application, such as page visits, feature clicks, and operation frequency.
Such interaction data is mainly used to:
Application interaction data is generally used in aggregated or analytical form. It is not used to access private content on your device and will not be used for purposes unrelated to DumboCash services.
During certain service processes, DumboCash may analyze information about the applications installed on your device in order to support credit assessment and risk evaluation.
This process involves only limited technical information, such as:
The above information is mainly used to assist risk model analysis and to help us more effectively assess the suitability of our services.
DumboCash does not obtain or store the full usage content of applications, nor does it access any personal data within those applications. Such information is used strictly within the necessary scope, is protected by appropriate security measures, and will not be used for other purposes or shared arbitrarily.
With your authorization, DumboCash may locally identify SMS messages on your device that are related to financial verification or risk identification. This process primarily focuses on messages sent by banks, payment institutions, or service providers, and uses predefined rules to identify information related to transactions, repayments, or abnormal alerts.
During this process, we may involve elements such as the sender identifier, receipt time, and content directly related to financial verification, for the purpose of supporting credit assessment, identity verification, and anti-fraud analysis. Non-financial SMS messages or messages unrelated to the service will be automatically filtered out, will not be included in the analysis, and will not be used for any promotional or marketing purposes.
To safeguard your information security, only the data that is necessary for financial or risk identification purposes will be used for subsequent processing, and such data will be transmitted and stored using secure encryption methods (storage server: https://www.dumbocash.com). DumboCash does not read or store your personal chat messages, nor does it conduct comprehensive monitoring of your communications.
When you first use features involving SMS permissions, the application will clearly explain the specific usage scenarios of this permission and will only enable the relevant functions after obtaining your consent. You may manage or revoke SMS access permissions at any time through your device’s system settings; however, please note that disabling this permission may affect certain service functions that rely on risk assessment or verification processes.
DumboCash does not disclose your information arbitrarily. Information may be shared only in the following situations:
All partners are bound by strict data protection obligations.
We implement a variety of technical and administrative measures to protect the security of your information, including access controls, encrypted data transmission, and strict internal permission management mechanisms.
To ensure the security and stability of data processing, your personal information will be stored on secure servers operated by us or by authorized service providers, with the server address being https://www.dumbocash.com.
Personal information is retained only for the period necessary to achieve the purposes described in this Privacy Policy and to comply with applicable laws and regulatory requirements. Data that exceeds the required retention period will be securely deleted or anonymized in accordance with established security standards.
Although we have adopted reasonable and industry-standard security safeguards, please note that no method of data transmission or storage in any networked environment can be guaranteed to be absolutely secure. In the event of security risks caused by force majeure or factors beyond our reasonable control, we will take remedial measures in accordance with applicable laws and fulfill any required notification obligations.
You have the right to:
Deletion requests may be submitted via:
Certain information may be retained where legally required.
DumboCash services are intended for users aged 18 and above. We do not knowingly collect personal information from minors.
We may update this Privacy Policy due to service changes or legal requirements. Continued use constitutes acceptance of the updated policy.