BinappPrivacy Policy
This Privacy Policy explains how KREDIT STOP TOV (“we”, “us”) handles information when you use the Binapp mobile application (the “App”) and the website binapp.sbs. We built the App so that it works without an account and keeps your personal financial details on your device.
1. Summary
- No sign-up. We do not ask for your name, phone number, email, ID documents or bank details in the App.
- Your loans, payment schedule, test answers and checklist are stored only on your device and are never sent to us.
- We collect limited technical and usage data to run the App, measure our advertising and send reminders you ask for.
- Your advertising identifier (IDFA) is used, and the AppsFlyer ID is shared with offer partners, only if you allow tracking in the iOS prompt.
- Notifications about partner offers are sent only if you opt in to them in the App.
- We do not sell your personal information.
2. Data that stays on your device
The following is created by you and stored locally on your iPhone. It is not uploaded to our servers or shared with partners:
- Loans you add to the repayment calendar: name, lender, amount, rate, term, dates, payment schedule and which payments you marked as paid.
- Your answers to the credit profile test and its result.
- Your document checklist and app settings (for example, reminder times).
Payment reminders are scheduled locally by iOS on your device. You can delete this data at any time by deleting a loan in the App or deleting the App.
3. Data we collect
| Data | Purpose |
|---|---|
| IP address (processed transiently) | To determine your country so the App can show the right language, and to deliver the offers page. We do not store your IP address with your other data. |
| Device and app information: device model, iOS version, app version, language, approximate country | To run and improve the App and fix errors. |
| App identifiers: the AppsFlyer ID, the iOS identifier for vendors (IDFV) and a random ID created by the offers page | To measure which advertising campaigns led to an install, without identifying you by name. The AppsFlyer ID is linked with offer clicks at partners only if you allow tracking (see section 4). |
| Advertising identifier (IDFA) — only if you allow tracking | Advertising measurement and attribution. |
| Usage events: opened the offers page, opened an offer, completed the test, opened the calculator, started using the calendar | To measure and improve the App and our advertising. These events never include your loan details, amounts or test answers. |
| Push subscription: the Apple push token, the OneSignal subscription ID, your country and language, and whether you opted in to offer notifications | To deliver push notifications. Our push provider OneSignal registers your device when the App starts, even before you allow notifications. iOS shows notifications only if you allow them, and notifications about partner offers are sent only if you opt in. You can opt out in the App menu or turn notifications off in iOS Settings. |
| Emails you send to support | To answer your request. |
4. When you open a partner offer
Offers in the App are provided by third-party lenders and affiliate networks. When you tap an offer, it opens in a browser window and we pass the following technical parameters in the link so the partner can attribute your visit: a pseudonymous ID, the offer name, country, language and the position of the offer on the page. The pseudonymous ID is the AppsFlyer ID only if you allowed tracking in the iOS prompt; otherwise it is a random ID created by the offers page that is not linked to the App’s identifiers.
We do not pass your name, contact details, loan data or test answers. Anything you enter on a lender’s website is collected by that lender under its own privacy policy, which we encourage you to read before applying.
5. Service providers
We use the following providers to operate the App. They process data on our behalf or as independent controllers under their own policies:
| Provider | What it does |
|---|---|
| AppsFlyer | Install attribution and campaign measurement |
| OneSignal | Push notifications |
| Cloudflare | Hosting of the offers page and website; country detection by IP |
| Apple | App distribution and delivery of notifications |
Some providers are located outside your country, including in the United States and the European Union. Where required, we rely on appropriate safeguards for such transfers.
6. Tracking and your choices
- Tracking permission. iOS asks whether the App may track you. If you choose “Ask App Not to Track”, we do not access your IDFA, we do not share the AppsFlyer ID with offer partners, and advertising measurement relies on Apple’s privacy-preserving SKAdNetwork. You can change this at any time in Settings → Privacy & Security → Tracking.
- Notifications. Payment reminders are scheduled on your device. Notifications about partner offers are sent only if you opt in. You can turn either off in the App menu, or all notifications in iOS Settings.
- Calendar data. Delete a loan in the App, or delete the App, to remove all locally stored data.
7. Retention
Data on your device is kept until you delete it. Usage and attribution data held by our providers is kept for no longer than 24 months, unless a longer period is required by law. Support emails are kept as long as needed to resolve your request.
8. Your rights
Depending on where you live — including under the Philippine Data Privacy Act of 2012 and the EU/UK GDPR — you may have the right to access, correct or delete your personal data, to object to or restrict its processing, to withdraw consent, and to lodge a complaint with your data protection authority (in the Philippines, the National Privacy Commission).
Because the App has no accounts, we can only look for data linked to your installation. In your request, tell us your country, your device model and the approximate date you installed the App. If this is not enough to identify your data, we will tell you. Write to info@kreditstop.click; we respond within 30 days. You can also stop most processing yourself at any time: turn off offer notifications in the App menu, deny tracking in iOS Settings, or delete the App.
9. Children
The App is intended for adults aged 18 and over. We do not knowingly collect data from children. If you believe a child has provided us with data, contact us and we will delete it.
10. Changes and contact
We may update this policy from time to time. We will post the new version on this page and update the effective date; significant changes will also be announced in the App.
Data controller: KREDIT STOP TOV
Address: 1 of. 34 pr. Peremohy, Kyiv, 01135, Ukraine
Email: info@kreditstop.click