Privacy Policy
Effective Date: May 08, 2026
Welcome to NHC Finance (hereinafter referred to as the “Platform”).
NHC Finance is developed and operated by NO HAY COMO DIOS YT S A S. The Platform highly values the protection of users’ personal information and privacy and adopts reasonable measures in accordance with applicable laws and regulations to safeguard user data security.
This Privacy Policy (hereinafter referred to as the “Policy”) explains how the Platform collects, uses, stores, shares, and protects your personal information, as well as the rights you may have regarding such information.
Before using the Platform services, please carefully read and fully understand this Policy. By registering, logging in, accessing, or using the Platform services, you acknowledge that you have read, understood, and agreed to this Policy.
1. Scope of Application
This Policy applies to all products, services, and related functions provided by NHC Finance, including but not limited to:
- User registration and login;
- Financial service applications;
- Identity verification;
- Submission of application materials;
- Customer support;
- Risk control and security management;
- Platform operation and optimization.
2. Information We Collect
In order to provide Platform services, we may collect the following information:
2.1 Information Provided by Users
When you register, apply for, or use the services, you may be required to provide:
(1) Identity Information
- Full name;
- Date of birth;
- Gender;
- Nationality;
- Identification document information;
- Identification document photos or selfie photos.
(2) Contact Information
- Mobile phone number;
- Email address;
- Contact address.
(3) Financial and Application Information
- Bank account information;
- Income information;
- Occupation information;
- Financial status;
- Application request information.
(4) Identity Verification Materials
- Selfie photos;
- Liveness detection information;
- Identification document images;
- KYC (Know Your Customer) related materials.
2.2 Automatically Collected Information
When you use the Platform, we may automatically collect:
(1) Device Information
- Device model;
- Operating system version;
- Device identifiers;
- IP address;
- Language settings;
- Time zone information.
(2) Usage Information
- Login records;
- Page access records;
- User operation behavior;
- Service usage duration;
- Crash logs and exception records.
(3) Network and Security Information
- Network status;
- Risk identification information;
- Abnormal behavior detection information;
- Anti-fraud analysis data.
3. How We Use Your Information
We may use your information for the following purposes:
3.1 Providing Platform Services
Including:
- Creating user accounts;
- Identity verification;
- Organizing application materials;
- Submitting applications;
- Checking application status;
- Providing customer support.
3.2 Cooperation with Financial Institutions
With your authorization, we may submit necessary information to cooperating financial institutions, including:
KAF Investment Bank Berhad
For purposes including:
- Financial service review;
- Risk assessment;
- KYC/AML review;
- Compliance verification;
- Service processing.
3.3 Risk Control and Security Management
We may use your information to:
- Prevent fraud;
- Detect abnormal activities;
- Protect account security;
- Maintain Platform stability;
- Comply with regulatory requirements.
3.4 Platform Optimization and Operations
We may analyze anonymized or statistical data for:
- Improving user experience;
- Optimizing service processes;
- Enhancing system stability;
- Product development and testing.
4. Information Sharing and Disclosure
We do not sell your personal information.
However, we may share your information under the following circumstances:
4.1 With Your Authorization
After obtaining your explicit authorization, we may share necessary information with cooperating financial institutions or related service providers.
4.2 Cooperating Financial Institutions
To complete the financial service application process, we may provide necessary information to cooperating financial institutions.
Such institutions will process the relevant information in accordance with their own privacy policies and applicable laws.
4.3 Third-Party Service Providers
We may engage third-party service providers to assist with:
- Identity verification;
- Cloud storage;
- Data analysis;
- Customer support;
- Risk control;
- Technical support.
Such third parties may only process relevant information within the authorized scope.
4.4 Legal and Regulatory Requirements
We may disclose information when required by:
- Applicable laws and regulations;
- Regulatory authorities;
- Courts or law enforcement agencies;
- Anti-money laundering and anti-fraud investigations;
- Protection of the lawful rights and interests of the Platform.
5. Data Storage and Protection
5.1 Data Storage
Your personal information may be stored on:
- Local servers;
- Cloud service provider servers;
- Legally authorized data processing systems.
We will retain relevant information for the period necessary to fulfill the purposes described in this Policy.
5.2 Data Security Measures
We adopt reasonable security measures to protect your information, including but not limited to:
- Data encryption;
- Access control mechanisms;
- Security monitoring;
- Risk identification systems;
- System vulnerability detection.
However, internet transmission cannot be guaranteed to be absolutely secure, and users should understand and bear the related network risks.
6. Your Rights
Under applicable laws, you may have the following rights:
- Access your personal information;
- Correct inaccurate information;
- Update personal data;
- Withdraw authorization;
- Request deletion of certain information;
- Close your account;
- Restrict certain data processing activities.
You may submit relevant requests through the Platform’s customer support channels.
7. Cookies and Similar Technologies
The Platform may use Cookies or similar technologies for purposes including:
- Maintaining login status;
- Optimizing user experience;
- Analyzing Platform usage;
- Enhancing system security.
You may manage Cookies through your device or browser settings, but certain functions may be affected.
8. Protection of Minors
The Platform services are intended only for adults aged 18 years or older.
Minors are not permitted to register for or use the Platform services. If we discover that a minor’s information has been submitted, we will delete the relevant data within a reasonable scope.
9. Cross-Border Data Transfer
Due to Platform operations and cooperation service requirements, some of your information may be transferred to, stored in, or processed in jurisdictions outside your country or region.
The Platform will adopt reasonable protective measures within the scope permitted by applicable laws.
10. Third-Party Links and Services
The Platform may contain links to third-party websites, systems, or services.
Such third-party services are not governed by this Policy, and their information processing activities shall be subject to their own privacy policies.
11. Updates to the Privacy Policy
We may modify this Policy based on:
- Changes in laws and regulations;
- Regulatory requirements;
- Service adjustments;
- Technology updates.
The updated Policy will be published on the Platform and shall take effect upon publication.
Continued use of the Platform services after updates shall constitute acceptance of the updated Policy.
12. Contact Us
If you have any questions, comments, or requests regarding this Policy, you may contact us through:
- Email: help@nohaycomodiosyt.com
- Service Hours: Monday to Friday, 9:00 AM – 6:00 PM
We will respond to and process your inquiries within a reasonable time.
13. User Confirmation
You acknowledge and confirm that:
- You have read and understood this Privacy Policy;
- You agree that the Platform may process relevant information in accordance with this Policy;
- You agree that necessary information may be provided to cooperating financial institutions within the authorized scope;
- You understand that the Platform only serves as a financial service connection platform providing technical and information organization services.