Is it illegal for online merchant banks to investigate at home?

Going to the bank will not be a door-to-door investigation. If the online banking is in arrears, it is expected that there will be professional prosecution. Formal consumer finance loans, such as loans and online business loans, exceed 50 thousand, and there is also the risk of being sued if they are overdue for three months.

In the normal use of online merchant banking services, online merchant banking will collect some information from you under the following circumstances, so as to provide you with services, improve our service quality, ensure the safety of your account and funds, guard against credit risks, and abide by national laws, regulations and regulatory provisions:

1. Open an online merchant bank account or use online merchant banking services.

(1) In order to implement the real-name registration system, anti-money laundering and account management and effectively prevent risks, when you apply for opening an online merchant bank account or using online merchant banking services, we will collect necessary information from you, such as your identity information (name, copy of your ID card), mobile phone number, and binding account information (card number, bank and account type). In addition, you agree that we will collect your aforementioned information from other institutions (such as affiliates of online merchant banks, cooperative financial institutions, government agencies, etc.). , the same below) for the above purposes and cross-check within the necessary scope of regulatory requirements;

(2) In order to provide you with more personalized and convenient services and effectively prevent risks, in addition to the above information, we will also take the initiative to collect other information provided by you, or collect the following related information from other institutions that legally keep your information, such as valid certificate information, address, occupation, contact information, biometric information, etc.

2. Providing other services

In order to facilitate you to inquire about your transaction status or history and comply with laws and regulations, we will keep the necessary information (such as wealth management and credit) that you voluntarily submit and generate when using online merchant banking services, and keep it properly in strict accordance with laws, regulations and regulatory requirements.

3. Risk prevention

In order to improve the security of your use of our services and prevent your funds and personal information from being obtained by criminals, we need to record the types, methods and related operational information of the online banking services you use, such as equipment model, IP address, equipment software version information, equipment identification code, equipment identifier, location, network usage habits and other log information related to online banking services. If you do not agree to provide the above information, you may not be able to complete the risk control verification.