AI Bridge 隐私政策

生效日期：2025年11月24日

AI Bridge（以下简称"我们"）非常重视您的隐私。本隐私政策说明我们在您使用我们的网站、应用程序及服务（统称"服务"）时如何收集、使用、共享和保护您的个人信息。

1. 我们收集的信息

1.1 基本个人信息

• 姓名
• 邮箱
• 电话
• 地址
• 出生日期
• 账户信息
• 上传的文件

1.2 金融与身份信息（贷款申请）

您可能自愿提供：

• 收入与就业信息
• 银行账户信息
• 社会安全号码或身份证件
• 信用记录
• 贷款金额、用途、还款偏好
• 贷款申请所需的文件

1.3 使用与设备信息

• IP 地址
• 设备型号、系统、浏览器
• 使用日志
• Cookies

2. 我们如何使用您的信息

2.1 服务提供

创建账户、提供客服支持

2.2 贷款匹配与申请处理

用于：

• 贷款资格评估
• 身份验证（KYC）
• 欺诈检测
• 财务评估
• 将申请信息传递给经纪人或贷款机构

2.3 安全与合规

防止欺诈、履行法律义务

2.4 服务优化

改进功能、用户行为分析

3. 我们如何共享信息

3.1 与贷款经纪人和持牌贷款机构共享

用于：

• 资格审查
• 申请处理
• 信用/身份检查
• 核准与审批

3.2 第三方验证服务

KYC、反欺诈、身份验证供应商

3.3 服务供应商

云服务、分析工具、客服服务

3.4 法律要求

如法律、监管机构要求，我们可能披露信息。

我们不会出售个人信息。

4. 我们不是贷款机构

AI Bridge 不是贷款机构，不会：

• 审批贷款
• 发放贷款
• 保证通过
• 决定贷款条款

所有贷款决定均由持牌机构独立完成。

5. 补偿披露

当用户选择使用某些贷款产品时，我们可能从合作伙伴处获得补偿。（不会影响您的贷款条款。）

6. 数据保留

我们会按以下目的保留您的信息：

• 提供服务
• 处理贷款
• 遵守法律要求

账户删除后，备份最多保留 90 天。

7. 您的权利

您可以：

• 访问
• 更正
• 删除（法律例外）
• 请求导出
• 撤回同意

请求请联系：admin@aibridge.app

8. 加州隐私法（CCPA）权利

加州居民可以：

• 查询收集的数据
• 请求删除
• 拒绝出售个人信息

我们不会出售个人数据。

联系：admin@aibridge.app

9. 儿童隐私

本服务仅面向 18 岁以上用户。不会主动收集未成年人数据。

10. 信息安全

我们通过以下方式保护数据：

• HTTPS 加密
• 安全存储
• 访问控制
• 安全监控

11. 政策变更

我们可能更新本政策。重大变更会进行通知。

12. 联系方式

如有隐私问题，请联系：

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AI Bridge – Privacy Policy

Effective Date: November 24, 2025

AI Bridge ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and safeguard your information when you use our website, mobile application, and services (collectively, the "Services"). By using the Services, you consent to the practices described in this Policy.

1. Information We Collect

1.1 Personal Information

• Name
• Email address
• Phone number
• Residential address
• Date of birth
• Account credentials
• Documents you upload

1.2 Financial & Identity Information (Loan Applications)

We may collect financial and identity-related information you voluntarily provide, including:

• Income and employment information
• Bank account details
• Social Security Number or ID documents
• Credit history
• Loan purpose, amount, repayment preference
• Supporting financial documents

1.3 Usage & Device Information

• IP address
• Device model, OS, browser
• Usage logs
• Cookies and tracking data

2. How We Use Your Information

2.1 Service Operation

Create and maintain accounts, Provide customer support

2.2 Loan Matching & Application Processing

We use your information to:

• Evaluate loan eligibility
• Verify identity (KYC)
• Detect fraud
• Assess financial fitness
• Transmit applications to brokers/lenders

2.3 Security & Legal Compliance

Prevent fraud, Comply with regulations, Maintain security

2.4 Analytics & Improvements

Improve features, Analyze user behavior

3. How We Share Information

3.1 With Loan Brokers and Licensed Lenders

We may share information with:

• Partner loan brokers
• Licensed lenders they work with

For:

• Eligibility review
• Application processing
• Credit/identity checks
• Loan underwriting

3.2 Third-Party Verification Services

We may share information with KYC, anti-fraud, and identity verification providers.

3.3 Service Providers

Cloud hosting, Analytics, Customer support tools

3.4 Legal Requirements

We may disclose information to comply with legal obligations.

We do not sell personal information.

4. We Are Not a Lender

AI Bridge is not a lender and does not:

• Approve loans
• Issue loans
• Guarantee approval
• Determine loan terms

All credit decisions are made solely by licensed brokers/lenders.

5. Compensation Disclosure

We may receive compensation from partners when users proceed with certain loan products. (This does not affect your terms.)

6. Data Retention

We retain information as needed for:

• Providing services
• Processing loans
• Legal compliance

Backups may remain up to 90 days after deletion.

7. Your Rights

You may request:

• Access
• Correction
• Deletion (with legal exceptions)
• Data portability
• Consent withdrawal

Contact us at admin@aibridge.app

8. California Privacy Rights (CCPA)

California residents may:

• Request to know collected data
• Request deletion
• Opt out of sale of personal data

We do not sell personal data.

Submit requests to admin@aibridge.app

9. Children's Privacy

Services are for users 18+ only. We do not knowingly collect data from minors.

10. Security

We use safeguards such as:

• HTTPS encryption
• Secure storage
• Access controls
• Activity monitoring

11. Changes to This Policy

We may update this Policy. Material updates will be communicated.

12. Contact Us

For privacy questions: