YINSHENG E-PAY SERVICES (HONGKONG) LIMITED Privacy Policy

YINSHENG E-PAY SERVICES (HONGKONG) LIMITED (hereinafter referred to as "Yinsheng Payment" or "we") is well aware of the importance of personal information to you (referring to Yinsheng Payment users), and thank you for your trust in us. Through this policy, we will explain to you how Yinsheng Payment will collect, store, protect, use and provide your personal information to the outside world, and explain the rights you enjoy. The main points are as follows:

1. In order for you to understand the types and uses of information we need to collect when you use our services, we will explain to you one by one in combination with specific services.

2. In order to provide you with services, we will collect your information in accordance with the principles of legality, justification and necessity.

3. If it is necessary to share your information with a third party in order to provide services to you, we will evaluate the legality, legitimacy, and necessity of the third party's collection of information. We will require third parties to take protective measures for your information and strictly abide by relevant laws, regulations and regulatory requirements. In addition, we will obtain your consent or confirm that the third party has obtained your consent in the form of confirmation agreement, copy confirmation in specific scenarios, pop-up window prompts, etc. in accordance with the requirements of laws, regulations and national standards.

4. If we need to obtain your information from a third party in order to provide you with services, we will ask the third party to explain the source of the information and ask the third party to guarantee the legality of the information it provides; if we need to conduct personal information processing activities for business Beyond the scope of your original authorization when providing personal information to a third party, we will obtain your explicit consent.

5. You can access and manage your information, set up privacy functions, cancel your Yinsheng payment account or make complaints and reports through the methods described in this policy.

6. This policy is only applicable to the products and services provided by YINSHENG E-PAY SERVICES (HONGKONG) LIMITED and their extended functions (hereinafter referred to as "services"), including APP, website, client, applet, official account, POS machine and random Various products and services provided to you in the new form of technological development. If a certain service we provide has a separate personal information protection policy or a special agreement in the corresponding user service agreement, the personal information protection policy of the service will be applied first, and the service personal information protection policy and user service agreement are not covered The content is subject to the content of this policy.

You can read the corresponding chapters according to the following index to learn more about the specific provisions of this policy:

1. How we collect information

2. How do we use cookies and similar technologies

3. How we store and protect information

4. How we use information

5. How do we provide information externally

6. How do you access and manage your own information

7. Statement on Third Party Responsibility

8. How do we protect the information of minors

9. Application and update of this policy

10. Description of key words in this policy

YINSHENG E-PAY SERVICES (HONGKONG) LIMITED (hereinafter referred to as "Yinsheng Payment" or "we") (registered address: Room 501, 5th Floor, Yuanjing Homeland, No. 997, New District Avenue, Minzhi Street, Longhua District, Shenzhen, Guangdong Province; contact information: 10108989;) Respect and protect your (referring to Yinsheng payment users) privacy. When you use our services, we will collect, store, use and provide your information in accordance with the Yinsheng Payment Privacy Policy (hereinafter referred to as "this Policy"). At the same time, we will explain to you through this policy how we provide you with services to access, update, manage and protect your information. This policy is closely related to your use of our services. We recommend that you carefully read and understand the entire content of this policy, and make the choices you think are appropriate. We strive to use easy-to-understand, concise and concise language, and use bold fonts to remind you of the terms and personal sensitive information in this policy that have a significant relationship with your rights and interests.

In order to comply with national laws, regulations and regulatory requirements (such as real-name system management, anti-money laundering duties, security management), and to provide you with services and improve service quality, we need to collect, store, use and provide your information externally. You agree that we process your information in accordance with this policy, so that you can enjoy high-quality, convenient and personalized services, and at the same time better protect your account and capital security.

1. How we collect information

When you use the following services of Yinsheng Payment, we need to collect some of your information to provide you with services, improve our service quality, protect your account and fund security, and comply with national laws, regulations and regulatory requirements:

1. Perform anti-money laundering obligations and conduct real-name system management in accordance with laws, regulations and regulatory requirements

(1) When you register a Yinsheng payment account or use Yinsheng payment services, you need to provide your mobile phone number or email address. You need to provide your basic identity information in accordance with the requirements of the "Administrative Measures for Online Payment Business of Non-bank Payment Institutions", including name, nationality, gender, occupation, address, contact information, and the type, number and expiration date of valid identity documents. If you do not provide the aforementioned information, you may not be able to register a Yinsheng payment account or use Yinsheng payment services. According to relevant laws and regulations, you need to pass multiple cross-verifications of basic identity information before you can increase the cumulative amount of balance payment transactions. The external verification channels for basic identity information include government department databases, commercial bank information systems, and commercial databases. Among them, if you choose to verify your basic identity information through the commercial bank information system, you need to provide your Class I bank account or credit card information and the mobile phone number reserved by the bank to complete the verification. If you do not provide the aforementioned information, you may not be able to use some services that require multiple cross-validation, but this will not affect your use of other services we provide.

(2) We need to remind you to provide a color photocopy or photo of your valid ID card for us to check and keep in accordance with the "Administrative Measures for Anti-Money Laundering and Anti-Terrorist Financing of Payment Institutions" and other relevant anti-money laundering laws and regulations and regulatory requirements; If you do not provide the aforementioned color photocopies and photos or do not agree to our retention, you may not be able to use some services related to regulatory requirements, but this does not affect your use of other services we provide.

2. Balance payment

In order for you to use the balance payment service for consumption and transfer (subject to the support of the payment account type), we need to record your payment account balance information and transaction information. If you do not agree with us to record the aforementioned information, you may not be able to use the balance payment service, but this does not affect your use of other services we provide.

3. Fast payment

In order to enable you to use the fast payment service and realize the recharge and withdrawal of Yinsheng payment account balance using bank cards, as well as consumption and transfer based on bank cards, you need to provide your account opening bank name, bank card number, bank card validity period, name, ID number, mobile phone number reserved by the bank, we will verify the aforementioned information with the issuing bank. When you use the quick payment service, we need to record your transaction information. If you do not provide the aforementioned information, you may not be able to use the quick payment service, but it will not affect your use of other services we provide.

4. Transfer

In order to accurately execute your payment instructions, when you transfer to someone else's Yinsheng payment account, you need to enter the payee's account, part of the payee's name, and the transfer amount according to the prompts on the page; when you transfer to someone else's bank card, you It is necessary to enter the name of the payee, card number, and bank of account; if you do not provide the above information, the transfer may not be possible, but it will not affect your use of other services we provide.

5. Red envelope

When you send a red envelope to others, you can follow the prompts on the page to enter the amount of the red envelope, the number of red envelopes and the recipient; if you do not provide the above information, the red envelope may not be sent, but it will not affect your use of other services we provide.

6. Consumption

When you spend at a merchant, we need to manage the merchant in accordance with laws, regulations and regulatory requirements to prevent cash-out or fraud risks. Therefore, we will directly collect or collect your transaction information from the merchant, including transaction amount, transaction object, transaction Items, transaction hours, delivery information (if available). If you do not agree with us to record the aforementioned information, you may not be able to complete the transaction, but it will not affect your use of other services we provide.

7. Credit card repayment

When you use the credit card repayment service, you need to provide the credit card number, issuing bank, name, and repayment amount of the credit card you want to repay. If you do not provide the above information, you may not be able to use the credit card repayment service, but it will not affect your use of us other services provided.

8. Bill inquiry

You can view your bill details (that is: your payment account transaction information) on the bill page. Before viewing, you need to provide your account password for identity verification. If you do not provide the above information, you may not be able to view the bill details, but it will not affect You use other services we provide.

9. Identity verification

(1) Login verification

In order to allow you to log in to your Yinsheng payment account more safely and conveniently, you can choose to log in with a password, or a SMS verification code.

(2) Verification of important operational behaviors

In order to ensure the safety of your account and funds, we need to verify your identity when you perform some important account operations (for example: retrieve password, report loss of account, etc.), for which you may need to provide us with a photocopy of your ID card, Holding photos of ID cards, transaction vouchers and other identification materials that can identify you based on your consent collected during specific business development; if you do not agree to provide the aforementioned information, you will not be able to complete specific operations, but this will not affect your use of Other services we provide.

(3) Payment instruction verification

When you use your payment account for transactions, we need to verify your identity to ensure the security of your account and funds. We may provide you with multiple authentication methods, and you may choose to use your static password, electronic signature, one-time password or biometric information to complete the authentication; when the security risk level increases, we may prompt you to verify again. If you do not agree to provide the aforementioned information, the transaction may not be completed, but it will not affect your use of other services we provide. In order to allow you to use the payment service more safely and conveniently, if your device and the Yinsheng Xiao Y Butler App version both support the fingerprint function or the face ID function, you can choose to use the fingerprint payment or face ID payment service. You need to enter your fingerprint information or face ID information on your device. When you make fingerprint payment or face ID payment, you need to complete information verification on your device. We only receive the verification result, and do not collect your fingerprint information or face ID information. If you don't want to use fingerprint verification or face ID verification, you can still pay by other methods.

10. Safety management

In order to ensure the safe and stable operation of the services provided to you and prevent transaction and capital risks, we need to record the Yinsheng payment service type, method and device model, IP address, device software version information, device identification code, and device identifier you use. , location, network usage habits and other log information related to Yinsheng payment services. If you do not agree with us to record the aforementioned information, you may not be able to complete the risk control verification.

11. Voice input

You can choose to turn on the microphone permission of your mobile phone and use the microphone device for voice input. During the use, we need to collect your voice content and perform necessary processing; if you do not provide the above information, we will not be able to provide you with voice-related services , but it does not affect your use of other services we provide.

12. Service recommendation based on location information

You can choose to turn on the location permission of your mobile phone to provide your location information so that you can receive service recommendations based on your location; if you do not provide the aforementioned information, you will not receive such service recommendations, but it will not affect your use Other services we provide.

13. Customer service

We will collect your search records when you use Yinsheng payment services, the information you provide when you contact the customer service team, and the information you send to us when you participate in surveys. If you do not provide the aforementioned information, it will not affect your use of other services we provide.

14. According to relevant laws, regulations and national standards, we may collect and use your personal information within a reasonable range without your consent in the following situations:

(1) Directly related to national security and national defense security;

(2) Directly related to public security, public health, or major public interests;

(3) Directly related to criminal investigation, prosecution, trial and execution of judgments;

(4) For the protection of your or others' life, property and other major legitimate rights and interests, but it is difficult to obtain your consent;

(5) The collected personal information is disclosed to the public by yourself;

(6) Collect personal information from legally disclosed information, such as: legal news reports, government information disclosure and other channels;

(7) Necessary to sign and perform a contract according to your request;

(8) Necessary for maintaining the safe and stable operation of the provided services, such as: discovering and handling service failures;

(9) Other circumstances stipulated by laws and regulations.

15. Others

Please understand that the services we provide to you are constantly updated and developed. If you choose to use other services not covered in the above description or we have updated the service you use, we need to collect your information based on the service, and we will use any of the following information, such as page prompts, interaction processes, and agreement agreements. One way to explain the scope and purpose of information collection to you separately, and obtain your consent. We will use, store, provide and protect your information in accordance with this policy and the corresponding user agreement; if you choose not to provide the aforementioned information, you may not be able to use one or some of the services, but this does not affect your use of the services we provide. other service. In addition, third-party entities may provide you with services through the Yinsheng payment client software. When you enter a service page operated by a third-party entity, please note that the relevant services are provided to you by the third-party entity. If a third-party entity is involved in collecting personal information from you, it is recommended that you carefully review the privacy policy or agreement of the third-party entity.

2. How do we use cookies and similar technologies

To provide you with an easier access experience, when you visit the website of Ant Financial or use the services provided by Ant Financial, we may use small data files to identify you. This can save you the trouble of repeatedly entering registration information. steps, or to help determine the security status of your account. These data files may be Cookies, Flash Cookies, other local storage provided by your browser or associated applications (hereinafter referred to as "Cookies"). Please understand that some of our services can only be realized by using cookies. You can modify the acceptance of cookies or reject the Measuring Fate's cookies, as allowed by your browser or browser add-ons. The "Help" section in the toolbar of most browsers will tell you how to prevent your browser from accepting new cookies, how to have your browser notify you when you receive a new cookie, or how to turn off cookies altogether. In addition, you can deactivate or delete Flash cookies and similar data used by browser add-ons by changing the settings of the browser add-on or by visiting the provider's webpage. However, this move may affect your safe access to the WINNER website and use of the services provided by WINNER in some cases. Our website may also contain some electronic images (hereinafter referred to as "web Beacon"). The use of web Beacon can help the website calculate users who browse the web or access certain cookies. We will collect information about your web browsing activities through web Beacon (you visit the address of the page you visited, the location of the referenced page you visited previously, your browsing environment and display settings).

If you use services provided by a third party other than Yinsheng Payment through our website or APP, we may use a dedicated network protocol and Proxy Technology (hereinafter referred to as "Proxy Technology"). Using Proxy technology can help you identify the high-risk sites we know, reduce the risks of phishing and account leakage caused by them, and at the same time, it is more conducive to protecting the common rights and interests of you and third parties, and preventing criminals from tampering with you and your wishes. Normal service content between accessed third parties, including: advertisement injection and illegal content tampering caused by insecure routers and illegal base stations. During this process, we may also obtain and save your device's IP address, hardware ID, and the location of the pages you visit.

3. How we store and protect information

1. The personal information we collect and generate within the territory of the People's Republic of China will be stored in the territory of the People's Republic of China. If some services involve cross-border business, and we need to transfer relevant personal information collected in China to overseas institutions, we will implement it in accordance with laws and regulations and the provisions of relevant regulatory authorities, and explain to you the purpose of transferring personal information abroad and the types of personal information involved. Obtain your consent, and through effective measures such as signing agreements and on-site inspections, require overseas institutions to keep your personal information obtained confidential. We only keep your personal information for the period necessary for the purposes described in this policy and within the time limit stipulated by laws, regulations and regulations. We will keep your identity information and transaction records for the period stipulated in the "Administrative Measures for Anti-Money Laundering and Anti-Terrorist Financing of Payment Institutions".

2. In order to protect your information security, after we collect your information, we will take various reasonable and necessary measures to protect your information. For example, in the technology development environment, we only use de-identified information for statistical analysis; when providing research reports to the outside world, we will de-identify the information contained in the report. We will store the de-identified information separately from the information that can be used to restore the identification of individuals, so as to ensure that individuals will not be re-identified in the subsequent processing of de-identified information.

3. We promise that we will make information security protection reach the industry-leading security level. In order to protect your information security, we are committed to using various security technologies and supporting management systems to minimize the risk of your information being leaked, damaged, misused, unauthorized access, unauthorized disclosure and change. For example: encrypted transmission through network security layer software (SSL), encrypted storage of information, and strictly limited access to data centers. When transmitting and storing sensitive personal information (including personal biometric information), we will adopt security measures such as encryption, permission control, and de-identification.

4. We have set up a personal information protection department to carry out personal information security impact assessments for the collection, use, sharing, and entrusted processing of personal information. At the same time, we have established a relevant internal control system, adopting the principle of minimum sufficient authorization for staff who may have access to your information; systematically monitoring the behavior of staff processing your information, and constantly training staff on relevant laws and regulations and privacy security Strengthen publicity of guidelines and safety awareness, and organize all staff to take safety exams every year. In addition, our corresponding network/system has passed the evaluation of national network security level protection. We also hire an external independent third party to evaluate our information security management system every year.

5. We have formulated an emergency plan for personal information security incidents, and regularly organize relevant internal personnel to conduct emergency response training and emergency drills, so that they can master job responsibilities and emergency response strategies and procedures. After an unfortunate personal information security incident occurs, we will promptly inform you in accordance with the requirements of laws and regulations: the basic situation and possible impact of the security incident, the disposal measures we have taken or will take, and the measures that you can independently prevent and reduce risks. Suggestions, remedies for you, etc. We will promptly inform you of the event-related situation through APP push notifications, sending emails/short messages, etc. When it is difficult to inform the personal information subjects one by one, we will take reasonable and effective ways to issue announcements. At the same time, we will also actively report the handling of personal information security incidents in accordance with the requirements of the regulatory authorities. If your legitimate rights and interests are damaged, we will bear the corresponding legal responsibility.

6. Please keep your Yinsheng payment account login name and other identity elements properly. When you use the online payment service, we will identify you by your login name and other identity elements. Once you disclose the aforementioned information, you may suffer losses and may have adverse effects on you. If you find that the login name and/or other identity elements of Yinsheng Payment may or have been leaked, please contact us immediately (10108989), so that we can take corresponding measures in time to avoid or reduce related losses.

7. After you terminate the use of Yinsheng payment services, we will stop collecting and using your information, unless otherwise stipulated by laws, regulations or regulatory authorities. If we stop operating, we will stop collecting your personal information in a timely manner, notify you of the notice of cessation of operation by delivery or announcement one by one, and delete or anonymize your personal information held.

4. How we use information

1. In order to comply with national laws, regulations and regulatory requirements, to provide you with services and improve service quality, or to protect your account and fund security, we will use your information in the following situations:

(1) To achieve the purpose described in "How We Collect Information" in this policy;

(2) In order to let you know the status of using Yinsheng payment service, we will send you service reminders. You can view it on the "Messages" page;

(3) In order to ensure the stability and security of the service, we will use your information for identity verification, security protection, fraud monitoring, prevention or prohibition of illegal activities, risk reduction, archiving and backup purposes;

(4) Report to relevant departments in accordance with laws, regulations or regulatory requirements;

(5) Invite you to participate in customer research related to our services;

(6) We will conduct comprehensive statistics, analysis and processing of your information by means of desensitization and de-identification, so as to provide you with more accurate, personalized, smooth and convenient services, or help us evaluate, improve or design services and operational activities;

(7) In order to improve user service experience and recommend more high-quality or suitable services for users, we may form group feature tags based on user information to provide users with marketing activity notifications, commercial electronic information or If you do not want to receive such information, you can choose to unsubscribe according to the method we suggest.

2. When we want to use the information for other purposes not specified in this policy, we will obtain your consent again in the form of confirmation agreement, copy confirmation actions in specific scenarios, etc. in accordance with the requirements of laws, regulations and national standards.

5. How do we provide information externally

(1) Sharing

1. Business sharing

We promise to keep your information strictly confidential. Unless otherwise stipulated by laws, regulations and regulatory authorities, we will only share your information with third parties in the following circumstances. Third parties include our affiliates, cooperative financial institutions and other partners. If it is necessary to share your information with a third party in order to provide services to you, we will evaluate the legality, legitimacy, and necessity of the third party's collection of information. We will require third parties to take protective measures for your information and strictly abide by relevant laws, regulations and regulatory requirements. If the information collected by a third party is leaked, the relevant third party shall bear the corresponding legal responsibility. In addition, we will obtain your consent in any form such as confirmation agreement, text confirmation in specific scenarios, pop-up window prompts, or confirm that a third party has obtained your consent in accordance with the requirements of laws, regulations and national standards.

(1) In order for you to complete the transaction and realize the purpose of the transaction, we need to provide your transaction counterparty with the transaction number and related payment information, and your transaction counterparty can view some of your registration information during the payment process or after the payment is successful ;

(2) Certain products or services may be provided by third parties or jointly provided by us and third parties, therefore, only by sharing your information can we provide the products or services you need;

(3) If you choose to participate in a lottery, competition or similar promotional activity jointly carried out by us and a third party, we may share with it the information generated during the activity and necessary for the completion of the activity, so that the third party can timely issue you prizes or To provide you with services, we will clearly inform you what information needs to be provided to third parties on the event rules page or through other means in accordance with the requirements of laws and regulations or national standards;

(4) With your explicit consent in advance, we will share your information with third parties in accordance with your authorization to the extent permitted by laws and regulations and within the scope of not violating public order and good customs.

2. Other user inquiries

In order to ensure the accuracy of the target object of transfer and collection, and avoid the loss of funds caused by entering the wrong account number, others can search for you by searching your email or mobile phone number , and see the desensitized Yinsheng payment login corresponding to your account Name and corresponding nickname, avatar, real name and region , so as to transfer money to you, receive money or add you as a Yinsheng payment friend.

3. Complaint handling

When you complain about others or are complained by others, in order to protect the legitimate rights and interests of you and others, and maintain a green consumption environment, we may provide your name, valid ID number, contact information, and complaint-related content to the consumer rights protection department and Regulatory authorities in order to resolve complaints and disputes in a timely manner, except for those explicitly prohibited by laws and regulations.

(2) Transfer

We will not transfer your personal information to any company, organization or individual, except in the following cases:

(1) Obtain your explicit consent in advance;

(2) According to laws and regulations or mandatory administrative or judicial requirements;

(3) When it comes to asset transfer, acquisition, merger, reorganization or bankruptcy liquidation, if personal information transfer is involved, we will inform you of the relevant situation and require new companies and organizations that hold your personal information to continue to be subject to this policy constraints. If the purpose of using personal information is changed, we will require the company or organization to obtain your explicit consent again.

(3) Public disclosure

In principle, we will not disclose your information to the public, except that we will desensitize and display the winner's mobile phone number or Yinsheng payment login name when announcing the list of winners . If public disclosure is really necessary, we will inform you of the purpose of public disclosure, the type of information to be disclosed and the sensitive information that may be involved, and obtain your explicit consent.

(4) Entrusted processing

In order to improve the efficiency of information processing, reduce the cost of information processing, or improve the accuracy of information processing, we may entrust our competent affiliated companies or other professional institutions to process information on our behalf. We will require the entrusted company to abide by strict confidentiality obligations and take effective confidentiality measures through written agreements, on-site audits, etc., and prohibit them from using such information for purposes that are not authorized by you. When the entrustment relationship is terminated, the entrusted company will no longer store personal information. We promise to take responsibility for this.

(5) In accordance with relevant laws, regulations and national standards, we may share, transfer and publicly disclose your personal information in accordance with the law without your consent in the following circumstances:

(1) Directly related to national security and national defense security;

(2) Directly related to public security, public health, or major public interests;

(3) Directly related to criminal investigation, prosecution, trial and execution of judgments;

(4) For the protection of your or other personal life, property and other major legitimate rights and interests, but it is difficult to obtain your consent;

(5) Personal information that you disclose to the public by yourself;

(6) Personal information collected from legally disclosed information, such as: legal news reports, government information disclosure and other channels.

6. How do you access and manage your own information

During your use of Yinsheng payment service, in order to allow you to access and manage your information more conveniently and protect your right to cancel your account, we provide you with corresponding operation settings in the client terminal, you can refer to the following guidelines to operate.

1. Manage your information

You can log in to your Yinsheng Payment account through the official website of Yinsheng Payment, in "Account Management" and "Personal Help Center → Self-Service", and log in to your Yinsheng Payment account from the Yinsheng Small Y Butler App, in "My → Personal Center", "My → Settings":

(1) Check your identity information, billing information, account information and bound bank card information. For the safety of your personal information, your ID number and bank account will be desensitized and displayed;

(2) If you find that your information is wrong, you can modify your information by yourself according to the prompts on the page, or you can contact our customer service number 10108989 or request correction through online customer service. For security and identification considerations or in accordance with laws, regulations and regulatory requirements, you must pass verification before modifying your authenticated name or bound mobile phone number;

(3) You can delete one of your billing information or manage the bound bank card;

(4) You can view the transaction records and bills through the official website of Yinsheng Payment.

2. You can cancel your Yinsheng payment account through the following path:

(1) Operation path of Yinsheng Payment official website: Open www.ysepay.com, log in to Yinsheng Payment account, and go through "Service Hall → Self-Service → Account Self-Service → Cancel Account".

(2) Operation path of Yinsheng Small Y Butler App: Open the Yinsheng Small Y Butler App, log in to the Yinsheng payment account, and log out of the Yinsheng Small Y Butler user through the "My-Nickname-Personal Information Page".

(3) When you meet the agreed account cancellation conditions and cancel a Yinsheng payment account, all information in your account will be cleared, and we will no longer collect, use or provide externally related personal information related to the account, However, we still need to store the information you provide or generate during the use of Yinsheng payment services in accordance with regulatory requirements, and cooperate with the inquiries of competent authorities in accordance with the law during the storage period.

3. If you find that our collection and use of your personal information violates laws and regulations or violates the agreement with you, you can contact our customer service hotline 10108989 or use online customer service to request deletion of the corresponding information.

4. Despite the above agreement, in accordance with relevant laws, regulations and national standards, we may not be able to respond to your request in the following circumstances

(1) Directly related to national security and national defense security;

(2) Directly related to public security, public health, or major public interests;

(3) Directly related to criminal investigation, prosecution, trial and execution of judgments;

(4) There is sufficient evidence that you have subjective malice or abuse of rights;

(5) Responding to your request will cause serious damage to the legitimate rights and interests of other individuals and organizations;

(6) Those involving commercial secrets.

5. We have set up a privacy protection office and have a person in charge of personal information protection. If you have any questions about this policy, or have any complaints or comments about the processing of your personal information, please contact us through the following channels

(1) Customer service hotline 10108989

(2) Online customer service "My Customer Service"

(3) Yinsheng Small Y Butler App: My → Feedback

The customer service department will reply you in time with the privacy protection office. In order to protect your information security, we need to verify your identity and credentials first. We have established a customer complaint management mechanism, including a tracking process. Generally speaking, we will complete the processing within three working days after the verification is passed. Under special circumstances, we will reply within no more than 30 days or within the time limit stipulated by laws and regulations. If you are not satisfied with our answer, you can also complain to the consumer rights protection department or file a lawsuit at the People's Court of Longhua District, Shenzhen.

7. Statement on Third Party Responsibility

Please note that the counterparty to your transaction, the operator of the third-party website you visit, the third-party service accessed through us (for example: the application provided by the third party in the Yinsheng Small Y Steward App) and the payment service received by Yinsheng Third parties for your personal information may have their own privacy protection policies; when you view web pages created by third parties or use applications developed by third parties, these third parties may place their own cookies or network Beacons, these cookies or network beacons are not under our control, and their use is not governed by this policy. We will strive to require these entities to take protective measures for your personal information, and we recommend that you contact them for details about their privacy policies. If you find that the webpages created by these third parties or the applications developed by third parties are risky, you are advised to terminate the relevant operations to protect your legitimate rights and interests.

8. How do we protect the information of minors

1. Our products, websites and services are mainly aimed at adults. We attach great importance to the protection of the personal information of minors, and we will protect the information of minors in accordance with relevant national laws and regulations.

2. If you are a minor over the age of 14 but under the age of 18, please ask your parents or guardians to read this policy, and use our services or provide us with the consent of your parents or guardians. your message. In the case of collecting your information with the consent of your parents or guardians, we will only use or publicly disclose this information when permitted by law, with the explicit consent of your parents or guardians, or as necessary to protect your rights and interests. If your guardian does not agree with you to use our services or provide information to us in accordance with this policy, please stop using our services immediately and notify us in time so that we can take corresponding measures.

3. If you are the parent or guardian of a minor, if you have any questions about the information processing of the minor under your guardianship, please contact us through the contact information above.

9. Application and update of this policy

(1) This policy is applicable to all services of Yinsheng Payment, unless there is an independent privacy policy for the relevant service or there is a special agreement in the corresponding user service agreement. When the following major changes occur, we will update this policy in due course:

1. Changes in our basic situation, for example: owner changes caused by mergers, acquisitions, and reorganizations;

2. Changes in the scope, purpose, and rules of collecting, storing, and using personal information;

3. The object, scope, and purpose of providing personal information to the outside world have changed;

4. Changes in the way you access and manage personal information;

5. Changes in data security capabilities and information security risks;

6. Changes in channels and mechanisms for user inquiries and complaints, as well as external dispute resolution agencies and contact methods;

7. Changes in the laws and regulations on which this policy is based;

8. Other changes that may have a significant impact on your personal information rights.

(2) Due to the large number of users of Yinsheng Payment, if this policy is updated, we will notify you by means of APP push notifications, pop-up prompts, sending emails/short messages or publishing announcements on the Yinsheng Payment official website. In order for you to receive notifications in a timely manner, it is recommended that you notify us in time when your contact information is updated. If you continue to use Yinsheng payment services after the update of this policy takes effect, it means that you have fully read, understood and accepted the updated policy and are willing to be bound by the updated policy. You can view this Policy on the homepage of the official website of Yinsheng Payment. We encourage you to review our Privacy Policy each time you use Yinsheng Pay.

10. Description of key words in this policy

1. "Yinsheng Payment Affiliated Company" in this policy refers to any company, institution, and legal successor of the above-mentioned companies or institutions that Yinsheng Payment currently or in the future controls, is controlled by, or is under joint control with. Where "control" means having the ability, directly or indirectly, to influence the management of the company in question, whether through ownership, voting shares, contracts, or other means determined by the people's courts.

2. The "identity elements" in this policy refer to: the information elements used by Yinsheng Payment to identify your identity, including: your Yinsheng Payment login name, password, SMS verification code, telephone number, mobile phone number, and certificate number and biometric information.

3. "Personal sensitive information" in this policy refers to personal information such as personal phone numbers, ID card numbers, personal biometric information, bank account numbers, property information, transaction information, and precise positioning information.