CreditGo Privacy Policy

Effective Date: [September 21, 2026]

Welcome to CreditGo (“CreditGo”, “the App”, or “the Service”). CreditGo is operated and supported by PT WAHANA PENGEMBANGAN USAHA.

We understand the importance of protecting your personal information. This Privacy Policy explains how we may collect, use, store, protect, and otherwise process your personal information when you download, register for, access, or use CreditGo and its related services. It also explains certain privacy rights that may be available to you under applicable laws and regulations.

We are committed to handling personal information in a lawful, transparent, and necessary manner and to implementing reasonable technical and organizational measures to protect your information.

By downloading, registering for, or using CreditGo, you acknowledge that you have read and understood this Privacy Policy and agree to the collection and processing of your information as described herein. If you do not agree with this Privacy Policy, please stop using the App and related services.

About CreditGo Services and Funding

CreditGo is operated and technically supported by PT WAHANA PENGEMBANGAN USAHA.

Funds used to provide loan services through CreditGo are sourced from the legitimate funding sources of PT WAHANA PENGEMBANGAN USAHA. We are committed to maintaining transparent funding sources and responsible business operations, and such funds are not associated with illegal financing activities or unidentified third-party funding.

1. Information We Collect

To provide loan application, identity verification, risk management, account management, and other related services, CreditGo may collect certain information with the necessary authorization.

Depending on the services and features you use and the requirements of applicable laws, the information we may collect includes:

Personal identification information;

Contact information;

Device and network information;

Location information;

Information related to loan applications and repayments;

Financial-service-related SMS information;

Basic information about installed applications;

Information collected through identity verification and camera functions.

We only use such information to the extent necessary to provide our services, protect account security, manage risks, and comply with applicable legal requirements.

1.1 SMS Information

With your authorization, CreditGo may access certain SMS information stored on your device to support credit risk assessment, fraud prevention, and loan application processing.

We may filter SMS information and process only information related to financial services, such as:

Loan-related messages;

Repayment-related messages;

Credit or financial-account-related messages.

The information processed may include:

Sender information;

Date and time received;

SMS content;

Read status.

Eligible information may be encrypted and transmitted to a secure server:

https://th.wahanausaha.com

SMS-related information may be used for:

Credit risk assessment;

Fraud detection and prevention;

Improving our loan services.

We do not sell your SMS data or disclose it to unrelated third parties without appropriate authorization, except where disclosure is required by applicable law.

You may disable SMS access through your device settings at any time. However, doing so may affect certain credit assessment or loan application functions.

1.2 Device Information

To identify devices, protect accounts, prevent fraud, and improve application stability, we may collect necessary device information, including:

Device model;

Operating system and version;

Device identification information;

Network connection status;

Application operation and technical information.

Such information may be transmitted and stored using appropriate security measures.

Device information may be used for:

Device identification;

Account and login security;

Risk analysis;

Fraud and abnormal activity prevention;

Improving application performance and service stability.

1.3 Location Information

With your explicit authorization, CreditGo may collect your location information.

Location information may be used to:

Support verification of loan application information;

Assist with risk assessment and fraud prevention;

Provide services in accordance with applicable laws and local requirements.

We use location information only when necessary and take reasonable measures to protect it.

You may manage location permissions through your device settings. Disabling this permission may affect certain features.

1.4 Installed Applications

Where appropriate and permitted by applicable laws, we may collect certain basic information about applications installed on your device, such as:

Application name;

Application version;

Application update information;

Basic information relevant to application identification and risk analysis.

This information may be used to:

Support risk assessment;

Identify abnormal activity or potential fraud;

Improve account and transaction security.

We do not interfere with or modify the normal operation of other applications installed on your device.

1.5 Camera Information

CreditGo may request camera access when you apply for a loan, complete identity verification, or upload supporting documents.

Camera access may be used to:

Capture identity documents;

Upload verification documents;

Perform facial recognition;

Complete identity verification.

The camera will only be accessed when you actively use the relevant features.

2. How We Use Your Information

We may use the information we collect for the following purposes:

Processing and assessing loan applications, including identity verification, eligibility assessment, and risk analysis;

Completing loan approval, agreement, and disbursement processes;

Creating, maintaining, and managing your CreditGo account;

Providing customer support and responding to your inquiries and service requests;

Detecting, preventing, and investigating fraud, abnormal transactions, and other security risks;

Protecting account, transaction, and financial security;

Analyzing service usage and improving our products and services;

Sending important notifications relating to your account, loan, or services;

Complying with applicable legal and regulatory requirements.

Except where required by law, necessary to provide the services, necessary to perform contractual obligations, or otherwise permitted by applicable law, we will not sell, rent, or unlawfully disclose your personal information without appropriate authorization.

3. Data Retention and Deletion

3.1 Data Retention

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy and to comply with applicable legal and regulatory requirements.

Information may be retained when necessary to:

Fulfill legal and regulatory obligations;

Process service requests;

Resolve complaints and disputes;

Maintain account and transaction security;

Prevent fraud and other unlawful activities.

When personal information is no longer necessary to be retained, we will delete, anonymize, or otherwise appropriately process the information in accordance with applicable laws.

3.2 Data Deletion

To the extent permitted by applicable law, you may request the deletion of your personal information.

You may submit a request by:

Contacting our customer support team; or

Using the relevant function within the CreditGo App.

Where we are not legally required or otherwise authorized to retain the information, we will process your deletion request within a reasonable period.

4. Data Security

We take the security of your personal information seriously and implement reasonable technical and organizational measures to reduce the risks of unauthorized access, disclosure, loss, or misuse.

These measures may include:

Encryption during data transmission;

Secure server storage;

Access control;

Internal data-access management;

Regular security checks and risk assessments.

Although we take reasonable measures to protect your information, no method of internet transmission or electronic storage can be guaranteed to be completely secure.

5. Third-Party Services

CreditGo may provide or connect to third-party services, such as payment, identity verification, or other partner services.

When you use third-party services, the relevant third party may process your information according to its own privacy policy. The data processing practices of third parties are not directly controlled by this Privacy Policy.

We recommend that you review the privacy policies and terms of the relevant third-party services before using them.

6. Changes to This Privacy Policy

We may update this Privacy Policy from time to time due to changes in our business, product features, or applicable laws and regulations.

If an update materially affects your rights or the way we process personal information, we will notify you through the App or by other appropriate means.

We encourage you to review this Privacy Policy periodically to stay informed about our latest privacy and data protection practices.

7. Contact Us

If you have any questions regarding this Privacy Policy, the processing of your personal information, or data protection matters, or if you wish to exercise any rights available to you under applicable laws, please contact us:

Company Name:PT WAHANA PENGEMBANGAN USAHA

Phone:+62 085177876941

Email:contact@wahanausaha.com

We will respond to your request in a timely manner in accordance with applicable laws and provide appropriate assistance regarding privacy and data protection.