Privacy Policy

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Special Note: LEMATICS Finance primarily provides information display, application guidance, information matching, and technical services related to education loans. This platform is not a lending institution, does not independently conduct credit approval, does not directly lend money, and does not directly receive repayments.

Welcome to LEMATICS Finance. We value your personal information and the protection of your privacy. This Privacy Policy explains how we collect, use, store, and protect your information when you use our services, as well as the rights you have.

1. Information We Collect

To provide you with our services, we may collect the following information:

  1. Information you voluntarily provide, such as your name, mobile phone number, email address, identification information, school information, educational needs, occupation and income information, credit card information, and application documents.
  2. Information generated during your use of the service, such as device information, log information, operation records, network status, and app version information.
  3. Information collected with your authorization, such as information related to camera, photo album, notifications, and other permissions.
  4. Where permitted and necessary by law, information related to identity verification, risk control, or application processing obtained from cooperating institutions or service providers.

2. How We Use Your Information

We collect and use your information mainly for the following purposes:

  1. Registration, login, and account management;
  2. Displaying educational loan product information, providing application guidance, and checking application progress;
  3. Assisting you in submitting applications to cooperating financial institutions;
  4. Authentication, risk control, security, and fraud prevention;
  5. Customer support, troubleshooting, system maintenance, and service optimization;
  6. Compliance with laws, regulations, and supervisory requirements.

3. Information Sharing

We only share your information within lawful and necessary limits, including:

  1. After you authorize an application for relevant products, providing necessary information to cooperating financial institutions for review, contract signing, disbursement, and subsequent services;
  2. Sharing with necessary service providers such as SMS providers, cloud service providers, authentication providers, risk control providers, security providers, and customer service providers;
  3. In accordance with laws and regulations, supervisory requirements, or requests from judicial authorities.

Unless otherwise required by laws and regulations, we will not sell your personal information to any third party without your express consent.

4. Description of Permissions

To implement the corresponding functions, we may request the following permissions:

You may refuse to grant authorization, but some functions may become unavailable.

5. Information Storage and Protection

We will take reasonable technical and administrative measures to protect the security of your information, including encryption, access control, and security monitoring.

We will only retain your information for the period necessary to achieve the purposes described in this Policy. After the retention period expires, we will delete or anonymize it in accordance with the law.

6. Your Rights

To the extent permitted by applicable laws and regulations, you have the right to access, correct, and delete your personal data, as well as withdraw your authorization, cancel your account, or submit a request through the contact methods provided in this Policy.

7. Account Cancellation

You may request account closure through the settings page in the app or by contacting customer service. Once the account is closed, we will delete or anonymize the information related to you to the extent permitted by law, except where otherwise required by law.

8. Third-Party Services

This platform may contain links to pages of cooperating financial institutions or third-party services. When you enter a third-party page, the information processing rules of that third party's privacy policy will apply.

9. Policy Updates

If this Privacy Policy is updated, we will notify you through an in-app announcement, pop-up window, or other reasonable means. The updated policy will take effect from the date of publication.

10. Contact Us

If you have any questions, comments, or complaints about this Privacy Policy, you may contact us in the following ways:

Company Name: LEMATIC S.A. DE C.V.
Contact Email: service@lematicsteam.com
Contact Phone: +52 56 4136 4914