Pumpkinvine 私隱政策 / Privacy Policy

This Privacy Policy applies to the mobile application “Ming Feng International” (the “App”) and its related services. This Policy explains how we collect, use, store, share, and protect user information, and how users may manage their personal information.

Please read this Privacy Policy carefully before using the App. If you do not agree with this Policy, please stop using the App and related services.

We collect only the information necessary to operate the App, provide services, comply with legal obligations, or with your authorization. Depending on the features you use, such information may include:

1. Account and contact information: such as name, nickname, email address, phone number, account ID, login credentials, or other information used for registration, login, identity verification, and contacting you.
2. Identity and business information: if the App involves account opening, identity verification, financial, or trading-related services, we may collect identity documents, date of birth, address, nationality/region, tax information, bank account information, investment or trading-related information, as required by laws, regulations, compliance requirements, or service needs.
3. Device and log information: such as device model, operating system version, App version, IP address, network status, device identifiers, access time, operation records, error logs, crash logs, and similar information, for service security, troubleshooting, and user experience improvement.
4. Information you voluntarily submit: such as content, attachments, and contact details submitted through customer service, feedback forms, email, or other communication channels.
5. Permission-related information: with your authorization, the App may access camera, photo library, files, notifications, biometric authentication, or other system permissions to complete identity verification, document upload, message reminders, login verification, or similar functions. You may manage or revoke permissions in your device settings.
6. Payment or subscription status: if the App offers Apple in-app purchases or subscriptions, we may receive order status, subscription status, transaction identifiers, and related information from Apple. We do not collect or store your complete bank card information.

If certain information is not necessary for the actual functions of the App, we will not actively collect it. The specific scope of collection depends on the actual features of the App and the services you authorize and use.

We may use the information we collect for the following purposes:

1. To create, verify, and manage user accounts.
2. To provide core App features, customer service, notifications, and technical support.
3. To conduct identity verification, risk control, security protection, anti-fraud checks, compliance reviews, and dispute resolution.
4. To maintain, analyze, and improve the stability, security, performance, and user experience of the App.
5. To process your inquiries, complaints, feedback, or rights requests.
6. To comply with applicable laws, regulations, regulatory requirements, judicial or administrative requests.
7. To use the information for other purposes clearly notified to you and with your consent.

We will not use personal information for purposes unrelated to the purposes of collection unless we have obtained your prior consent or are permitted by applicable laws and regulations.

We do not sell your personal information. We will not share your personal information with third parties except in the following circumstances:

1. Necessary for service provision: we may share necessary information with cloud service providers, data storage providers, SMS/email delivery providers, identity verification providers, risk control providers, security providers, customer support providers, data analytics providers, payment processors, or other technical service providers. We require such third parties to protect your information in accordance with this Policy and applicable laws.
2. Sharing with affiliates: where reasonably necessary, we may share information with affiliated companies for account management, customer service, compliance management, security protection, and business operations.
3. With your authorization: after obtaining your explicit consent, we may share information with designated third parties within the scope of your authorization.
4. Legal or regulatory requirements: we may disclose necessary information in response to applicable laws, regulations, court orders, regulatory authorities, law enforcement agencies, or legitimate government requests.
5. Business changes: in the event of a merger, acquisition, restructuring, asset transfer, or similar transaction, we may transfer relevant information as permitted by law and require the new holder to continue to be bound by this Policy.

The App may integrate third-party SDKs or services for login verification, push notifications, analytics, crash analysis, payment, customer service, security risk control, or other functions. Third-party services may collect and process information in accordance with their own privacy policies.

We will make reasonable efforts to review the data processing practices of third-party services and require them to adopt protection measures no less protective than this Policy. You should also read the privacy policies of relevant third-party services to understand their data processing rules.

We retain personal information only for as long as necessary to achieve the purposes described in this Policy, unless a longer retention period is required by laws, regulations, regulatory requirements, accounting, auditing, dispute resolution, or security protection needs.

When the retention period expires, the processing purpose has been fulfilled, or you lawfully request deletion and there is no longer a need to retain the information, we will delete or anonymize the relevant personal information.

If you wish to delete your account or personal information, you may contact us using the contact details set out in this Policy. To protect account security, we may need to verify your identity first. Please note that where laws, regulations, or regulatory requirements require us to retain relevant records, we may not be able to delete all information immediately, but we will restrict unnecessary use during the retention period.

To the extent permitted by applicable laws, you may submit the following requests to us:

1. To inquire about or access personal information we hold about you.
2. To correct inaccurate or incomplete personal information.
3. To delete personal information or close your account.
4. To withdraw consent or disable device permissions.
5. To obtain a copy of your personal information.
6. To restrict or object to certain personal information processing activities.
7. To file a complaint or inquire about how we process personal information.

You may manage permissions such as camera, photo library, notifications, location, and biometric authentication through your device settings. Revoking authorization may prevent related features from continuing to function, but it will not affect processing carried out based on your authorization before revocation.

We adopt reasonable technical and organizational measures to protect personal information, including access controls, encrypted transmission, permission management, log auditing, data backup, and security monitoring.

Although we strive to protect your information, internet transmission and electronic storage cannot be guaranteed to be absolutely secure. In the event of a personal information security incident, we will take remedial measures in accordance with applicable laws and regulations, and notify users or regulatory authorities where necessary.

The App is primarily intended for users with full legal capacity. Minors should not submit personal information to us without the consent of a parent or legal guardian.

If you are a parent or legal guardian of a minor and believe that the minor has provided personal information to us, please contact us using the contact details set out in this Policy. We will handle the matter in accordance with applicable laws after verification.

Depending on service provision, system deployment, affiliate collaboration, or third-party service arrangements, your information may be stored or processed outside your country or region. We will take necessary measures in accordance with applicable laws to ensure that such information receives reasonable protection.

We may update this Privacy Policy from time to time due to changes in laws and regulations, business adjustments, or service updates. The updated Policy will be published in the App or on the relevant page and will take effect from the date of publication unless otherwise stated.

If changes to this Policy involve material changes to the purposes, methods, scope of personal information processing, or user rights, we will notify you in a reasonable manner and obtain your consent again where required by law.