7 ways to delete personal data from online loan applications — PENTARU

7 Ways To Delete Personal Data From Online Loan Applications — Pentaru

How to delete loan data online – Repeated promotions of online loan applications via SMS Blast often irritate. Especially if the SMS offer loan reaches our contacts at the wrong time. It sure is very annoying. So how do we exclude our contacts from the online loan application service?

How to delete online loan data is highly sought after by mobile users when their contacts are entered into SMS Blast system. It is natural that a mobile number can receive an online loan offer SMS 3 times a day, so it is very annoying.

The purpose of the SMS we receive is none other than to attract users to apply for a loan online so that they benefit from the borrowing costs. Whereas the Financial Services Authority clearly prohibits online loan applications from offering products via SMS.

The ban on credit companies offering products via SMS is based on OJK Regulation (POJK) No. 07/2013 on Consumer Protection in the Financial Services Sector. It is no wonder that the method of offering loans via SMS via cell phone contacts is mostly done by illegal fintechs.

However, there are not a few users of loan applications such as Akulaku, Smart Credit, Go Loans and Indodana who want to delete personal data from their database.

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Why should you delete online loan data?

Considering that the risk of illegal borrowing is quite high, such as deleting personal details from online loans, you should try so that you are no longer bothered by the offer.

On the other hand, the proliferation of online lending and lending practices is proportional to the number of user complaints. It’s not just about texting product offers to phone numbers. However, many borrowers are bothered by the unethical charging of SMS and WA payments to mobile numbers.

Worse still, the Pinjol app also “often” spies on the phone number stored on the user’s smartphone. The effect is that DC often calls a cell number that we don’t type into an emergency number.

Imagine if DC got in touch with superiors, co-workers. Or even a business partner to do the billing. In addition to defamation, this can be considered a mental attack to make the borrower feel ashamed.

It is no wonder that those who are experienced feel the bars of online loan debt collectors. Attempt to delete personal data from the loan application database. By deleting phone numbers and personal data, it is expected that there will be no more offers or charges for loans via SMS or WhatsApp (WA).

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Beware of Pinjol App Permissions

Before discussing how to delete a phone number on an online loan. It’s a good idea that you understand in advance what permissions the loan application asks for.

It is no secret that every time we install an application there is a certain request for access on the smartphone we use. Likewise with online loan application licensing, which we must understand and be aware of.

Pinjol apps usually ask for internet network access, contact numbers, locations, SMS and phone. It’s scary again if there are online loans that ask for access to social media accounts, e-commerce accounts to access internet banking belonging to users.

In short, the pinjol app asks for user approval so that the apk can access smartphone data. If the user refuses approval, it is certain that the installed application cannot be used optimally. Much less to get loan approval, only the registration can be automatically rejected (AUTOL).

This fact forces users to grant the access permissions they request. In more detail, there are many access requests for online loan applications, some of which are:

  • Contacts, to read the telephone contact number.
  • Location, network and approximate GPS based location.
  • View WIFI connection information.
  • Take photos and videos through your phone’s camera.
  • Access photos, media, files from the user’s phone.
  • Storage access permissions to modify or delete content.
  • Call phone numbers directly.
  • Read the phone’s identity and status.
  • Read device ID and call information.
  • And so on.
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Given the vast amount of data access required by online loan applications, we can almost guarantee that we leave the privacy of our cell phones to them. That’s what most users don’t realize that data on the cell phone is one of the guarantees of the loan.

It is natural that many experienced users suggest how to delete contact details of main online loan by denying access permission to the application. So the pinjol app can no longer spy on contact numbers, locations and other data that could be misused.

Read: 7 10 million unsecured loans

Removing data access permission from online loan application

7 ways to delete personal data from online loan applications — PENTARU izin akses aplikasi pinjol

Step by step you can do the following steps to remove the permission to access pinjol app contact data from your mobile:

  1. The first way, please enter the menu after or “Settings” on your smartphone.
  2. Enter the app by scrolling down and selecting the “Applications” or “Applications” menu.
  3. Then select “Manage apps” and search for the online loan app you want to change access permissions for.
  4. Scroll down and enter the permissions via the “App Permissions” menu tab.
  5. Select access permissions one by one and disable all app permissions.
  6. How to remove data access permission in loan application is complete.
  7. The pinjol apk can no longer access the phone data.

If the above method is limited to deleting contacts on online loans, there are other ways to delete personal data from your database.

As we mentioned above, in addition to billing methods, sometimes registered users can offer online loan products via SMS. In fact, the OJK strictly prohibits financial services companies from offering SMS loans.

Even Kominfo may have blacklisted some phrases that are often used to offer loans via SMS. Don’t be surprised if you get an SMS with a joke like the one below:

“Hello Madam/Sir, your account has been updated to mnjvd! v1p fund,n1kmat1 reaches 5 million, click https://go.onelink.me/app/692b9772”

The sentence above is an example of an offer SMS I received. If we click on the url link in the SMS, it will go to the KreditPintar loan application.

Smart Credit Class which is a reliable online loan. Legally, OJK is still looking for loopholes to offer SMS loans, what about illegal ones?

Deleting personal data from an online loan database can be both difficult and easy. We can easily do it without anyone’s help. But the difficulty is that no one can confirm that this method can actually delete data from the lending company’s database.

7 ways to delete personal data from online loans

As for how to delete personal data on online loans you can take out, including:

  1. The first way is to pay the bill in the pinjol app.
  2. Submit a personal data deletion request by contacting online loan customer service.
  3. The third way is to uninstall the pinjol app so that you can no longer access your phone data.
  4. If this method does not work, replace the mobile number with a new SIM card.
  5. Delete social media accounts from mobile phones, Whatsapp, Facebook, Instagram and Twitter.
  6. You can try the final method by resetting your smartphone to factory settings.
  7. Still not working? Report misuse of personal data to the Financial Services Authority (OJK).

I hope that some of the above ways to delete personal data from online loans will be helpful. Don’t forget to share tips you can use in the comments column.

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