航旅纵横调整“借钱”服务授权条款：已删除数据建模加工相关表述

Core Viewpoint - The integration of digital economy and fintech has led to the rise of "traffic finance" as a monetization path for internet traffic platforms, exemplified by the launch of the "borrowing service platform" by the travel app Hanglv Zongheng [1][10]. Group 1: Service Launch and Modifications - Hanglv Zongheng, developed by China Aviation Information Technology Co., Ltd., has introduced a borrowing service platform aimed at providing financial support for travel and daily consumption needs [1][11]. - The initial user agreement included clauses that required users to authorize the processing of their personal information, which raised legal concerns regarding potential overreach into credit reporting services [1][3]. - Following feedback, the agreement was revised to remove the controversial clauses and clarify that the service provider acts solely as a technical support entity for licensed financial institutions [2][11]. Group 2: Compliance and Legal Considerations - Legal experts highlighted that if a lending platform processes personal information and provides credit analysis, it may be classified as a credit reporting service, necessitating appropriate licensing [3][12]. - The revised agreement emphasizes that Hanglv Zongheng will not provide additional user data beyond what users voluntarily submit, ensuring compliance with financial regulations [4][13]. - Concerns were raised about vague language in the agreement that could lead to excessive data collection under the guise of improving service quality, which may violate regulatory standards [5][14]. Group 3: Data Protection and User Privacy - The company has committed to not sharing user data with third parties without explicit user consent, particularly in the context of facial recognition processes for loan applications [7][15]. - Experts recommend that non-financial platforms engaging in lending services should adhere to strict data protection principles, ensuring that personal information collection is limited to what is necessary for service provision [8][16]. - Suggestions were made for integrating with national identity verification systems to enhance user data security during the borrowing process [9][17].