Under normal circumstances, citizens need a lot of information to apply for online loans, especially personal information, but only personal information can't apply for online loans, so if the information is leaked, don't worry too much about being loaned. First, personal information was cheated and leaked. What about online loans? If personal information is leaked, the possibility of being lent will be very low. Because many online lending platforms now need to go through a lot of audits when applying, such as face authentication, mobile phone number authentication (generally, I need to use the real-name registration system for 6 months and need to receive the verification code), social security provident fund account, Taobao account and so on. Once a link does not meet, it will most likely be rejected. Of course, since there will be the risk of being loaned by online loans, it is necessary to pay attention. If you accidentally get online loans, please remember to call the police immediately. Because the act of fraudulently using citizen information for illegal activities will be severely punished. Therefore, if you want to avoid being loaned, you must first solve it from the source. Do not register indiscriminately, do not fill in personal information, and stop online loan products in time so as not to be targeted by criminals. Secondly, if you find out from which channel your personal information is leaked, you should close or cancel the authorization in time to reduce the subsequent troubles. Finally, pay attention to your ID card information, especially the front and back of the ID card photo, and don't leak it easily. Second, the disclosure of personal information is borne by online loans. If the loan at that time was not my own, it is suggested that the parties take litigation to confirm that the loan contract at that time was invalid. If someone borrows money in your name, it shall be handled as follows: 1. If you agree to borrow money in your name and sign a loan contract, it will be regarded as your personal loan in law, and you should repay the loan principal and interest according to the loan contract. Others have no legal relationship with banks. If others refuse to repay, the responsibility is borne by themselves. After you assume the repayment responsibility, you can recover from the actual user. If you don't know that others borrow money in your name and you haven't signed any loan contract, you can raise an objection to the bank and bring a lawsuit to the court to confirm that the loan contract is invalid. In this case, you don't need to take any responsibility. Third, the harm of personal information leakage 1, spam messages are constantly flowing: this is already a very common thing, no wonder CCTV exposed spam messages twice in a row at the 3. 15 party. The latest news is that the base station can be used as a sending center to send short messages to mobile users in the coverage area of the base station. This short message system can send 1.5 million messages every ten minutes. 2, harassing phone calls one after another: originally only friends, classmates or relatives know the phone, will often be called by strangers, selling insurance, selling decoration, selling baby products. If you don't go to them, they will come to you automatically. You may still be wondering how they know your phone number, but I don't know how many times your information has been sold. 3. Spam messages are overwhelming: after personal information is leaked, your mailbox can receive more than a dozen spam messages every day, mainly for sales promotion, and there are also some messy and uninspiring advertisements. Therefore, the first thing that many users open their mailboxes every day is to delete spam. They are envious of foreign countries' heavy sentences on spam, and a letter will be fined more than 100 yuan. 4. Pretend to overdraw debt by card: Someone buys your personal information, handles your ID card, defrauds the bank's credit online, applies for various credit cards from the bank, and maliciously overdraws consumption. Then the bank may directly send the overdue reminder to the owner of the ID card. You said it was hateful, and others took the money from your famous flowers and asked you to pay it back. 5. Cases and accidents fall from the sky: someone may use your personal information to set up an identity and do something bad. If there is any case or accident, the public security organ or the traffic management department can find you according to the identity information. However, the troubles of these cases and accidents will come, and even if you find out clearly, you will be exhausted. 6. Pretend to be someone else and ask for a transfer: someone pretends to be someone else, reports your personal information, and then says that there have been frequent fraud cases recently, reminding you that an account is unsafe, asking you to transfer money, and telling you a public security consultation phone number. As long as you make that call, it will be confirmed, and then you will believe it and transfer money. Although not many people are fooled, they have heard of it from time to time. 7. The money in the account is missing: the biggest obstacle for some people not to spend online is fear of information leakage; Some criminals get your ID card, then report the loss of your bank account or credit card account, then reissue your card and set a password. If you don't use the card for a long time, the money in it may be gone. 8. Personal reputation is damaged for no reason: after personal information is leaked, everything that happens is implicated in you. As the saying goes, "good things don't go out, bad things spread thousands of miles." All the bad things that others do in your name are attributed to your name. Even if you finally get a clean bill, your personal reputation will be damaged anyway, at least it will not improve your reputation. The disclosure of personal information is very harmful, and the above is not alarmist. Internet companies, telecom operators, SP, real estate, property management companies and medical institutions should be paid special attention to. According to the law, if personal information is leaked, the possibility of being loaned by online loans will be very low. Of course, if you are really careful about being loaned by online loans, please remember to call the police immediately.
Legal objectivity:
People's Republic of China (PRC) Civil Code
Article 1032
Natural persons have the right to privacy. No organization or individual may infringe upon the privacy rights of others by spying, harassing, exposing or making public.
Privacy is the private space, private activities and private information that natural people live in peace and don't want to be known by others.
People's Republic of China (PRC) Civil Code
Article 1034
Personal information of natural persons is protected by law.
Personal information is all kinds of information recorded electronically or in other ways that can identify a specific natural person alone or in combination with other information, including natural person's name, date of birth, ID number, biometric information, address, telephone number, e-mail address, health information, whereabouts information, etc.
The privacy information in personal information shall be subject to the provisions on privacy;
If there are no provisions, the provisions on the protection of personal information shall apply.