On April 22, the China Consumers Association released the Annual Report on the Protection of Consumer Rights and Interests in China (2021). Nandu reporter noted that in the report, there is a risk of personal information or privacy leakage in the consumption process of various Internet financial products synchronized with online transactions. Nandu has previously conducted an investigation of online lending platforms and found that many online lending platforms require users to agree and authorize them to share users' personal information with partners, and there are 1859 partners on the platform.
According to the report, on March 15, 2021, the China Consumers Association released the results of the theme survey of the "Guarding Safe and Smooth Consumption" consumer rights protection year, showing that the leakage of personal information has become a hot issue of consumer security.
It is mentioned that in the process of consuming various Internet financial products synchronized with online transactions, there is a risk of personal information or privacy leakage. App's consumer lending, payment functions, etc. require consumers to bind personal bank accounts, so consumers' personal information is obtained and mastered by apps or platforms, but most apps or platforms have a far lower level of protection for user network transactions and related data arising therefrom than the user's financial data should have.
The user mentioned in the report may have a risk of personal information leakage when using the consumer lending app or platform, and Nandu has investigated and reported on this.
Nandu previously reported that the reporter randomly tested more than a dozen online lending platforms and found that after clicking on the page through advertisements, the platform will generally use eye-catching large numbers to promote the maximum amount of loans. If you want to carry out the next step, you need to check the "Service Agreement", "Privacy Policy" and other agreements.
After clicking on the advertisement to enter a platform called "Limei Installment", the Nandu reporter found that the top of the page declared that "the maximum amount is 500,000 yuan, and the daily interest rate of 10,000 yuan is as low as 2 yuan". To borrow money, you must first enter your mobile phone number to obtain a verification code, and check Agree to the User Registration Agreement and User Privacy Policy.
According to the platform's "User Privacy Policy", based on the needs of users with loan applications, in order to provide users with loan application matching services with lending institutions, "we need to collect, store, use and share your personal information in the process of matching services, and you agree and authorize us to collect, store, use, share, etc. of your personal information." The agreement also states that if you do not agree to any of the terms of the agreement, you will not be able to use any of the services provided by the Company under the agreement.
Nandu reporter continued to browse the agreement and found that if you want to use the loan application function, you also need users to actively fill in personal information such as name, mobile phone number, credit status, income situation, real estate information, car property information, social security and provident fund, commercial insurance and so on. At the same time, the agreement also mentions that the above information will be shared with other partners.
When the Nandu reporter opened the list of Limei installment loan partners, it was found that there were 1859 companies, in addition to some microfinance companies and insurance companies, most of them were some information technology, technology, financial services outsourcing, information consulting, and business consulting companies. In addition, it also includes enterprise management, real estate agency, automobile sales, car rental, commerce, media, electronic technology, big data and other companies.
The day after the Nandu reporter browsed a number of lending platforms, he received a call from a caller id selling hong Kong, China, claiming that it was a loan platform on Alipay, with a maximum credit loan of 500,000 yuan and a monthly interest rate of 60 yuan for the loan of 10,000 yuan. The other party also said that the loan only needs to provide ID card information, and it can query the relevant credit information of the Nandu reporter, and the payment can be made as soon as half an hour.
When the Nandu reporter asked how to get my mobile phone number, the other party said, "You go to browse the page, generally you will use your mobile phone number to get a verification code, and then you can test the quota, we have a phone number." Nandu reporter then repeatedly stressed with the other party that he had not entered the mobile phone number on his platform to obtain a verification code, and the salesman said that this was the number issued by the company, "I don't know where it came from." However, after the Nandu reporter hung up the phone, he did not query a platform claimed by the other party on Alipay.
Written by: Nandu reporter Ma Minglong