Check Credit Score & Report

Last Updated: 2 - Dec - 2025

1. Introduction

This Privacy Policy explains how Check Credit Score & Report collects, uses, and protects information when you use our mobile application. We are committed to protecting your privacy and ensuring transparency about our data practices.

2. Information We Collect (Code-Verified)

Information We DO NOT Collect:

Personal financial information (bank account details, credit card numbers, SSN)

Real credit scores or official credit reports

Personal identification information beyond what's necessary for app functionality

Contact lists or personal contacts

Precise location data

Information We DO Collect:

Device Information: Device model, operating system version, unique device identifiers (for ad delivery)

Usage Analytics: App screens visited, features used, session duration through FirebaseAnalyticsHelper

Crash Reports: Technical information when app crashes via Firebase Crashlytics

Advertising Data: Advertising ID for personalized ads (with user consent via GDPRConsentManager)

User Preferences: App settings and preferences stored locally on device

3. How We Use Information (Code-Verified)

App Improvement: FirebaseAnalyticsHelper tracks feature usage to enhance user experience

Crash Prevention: Firebase Crashlytics identifies and helps fix technical issues

Advertising: ShowAd and ShowInterstitial classes display relevant advertisements

Score Estimation: ScoreCalculator processes user inputs locally for educational estimates

Consent Management: GDPRConsentManager handles user preferences for data processing

4. Permissions Explanation (Verified in AndroidManifest.xml)

android.permission.INTERNET

Purpose: Required for ShowAd class, ShowInterstitial class, and Firebase services

Code Usage: Advertisement display and analytics functionality

User Control: Cannot be disabled as it's essential for app functionality

android.permission.ACCESS_NETWORK_STATE

Purpose: Utils.isOnline() method checks network connectivity

Code Usage: Optimize ad delivery and app performance based on network status

User Control: Used automatically to provide better user experience

android.permission.ACCESS_WIFI_STATE

Purpose: Connection type optimization for ad delivery

Code Usage: Performance optimization based on connection type

User Control: Helps reduce data usage on mobile connections

com.google.android.gms.permission.AD_ID

Purpose: Google Play Services advertising integration

Code Usage: AdMob integration for personalized advertising

User Control: Can be disabled through device advertising settings or app consent

5. Third-Party Services (Code-Verified)

Google AdMob

Code Integration: ShowAd class with bannerAds() and nativeCardlAd() methods

Data Collected: Advertising ID, device information, app usage patterns

Purpose: Display targeted advertisements to support free app access

Privacy Policy: https://policies.google.com/privacy

Opt-Out: Available through device advertising settings

Facebook Audience Network

Code Integration: AudienceNetworkAds.initialize() in Application class

Data Collected: Device information, usage patterns for ad targeting

Purpose: Show relevant advertisements from Facebook advertising partners

Privacy Policy: https://www.facebook.com/privacy/policy

Opt-Out: Available through Facebook advertising preferences

TopOn Ad Network

Code Integration: Multiple SDK dependencies in build.gradle for ad mediation

Data Collected: Performance metrics, device information for ad optimization

Purpose: Ad mediation and optimization services

Opt-Out: Managed through our consent system

Firebase Analytics

Code Integration: FirebaseAnalyticsHelper with trackScreenView(), trackCreditScoreCalculated()

Data Collected: App usage events, screen views, user engagement metrics

Purpose: Understand app usage to improve user experience

Privacy Policy: https://firebase.google.com/support/privacy

Opt-Out: Available through app settings

Firebase Crashlytics

Code Integration: FirebaseCrashlytics for automatic crash reporting

Data Collected: Crash reports, device state during crashes, technical diagnostics

Purpose: Identify and fix app stability issues quickly

Privacy Policy: https://firebase.google.com/support/privacy

Opt-Out: Automatic collection for app stability (anonymized data only)

6. GDPR Compliance (Code-Verified)

GDPRConsentManager: Manages user consent for advertising and data processing

User Messaging Platform (UMP): Handles consent collection for EU users

Consent Storage: User preferences stored locally using SharedPreferences

Consent Expiry: 36-year consent validity as configured in GDPRConsentManager

Withdrawal: Users can withdraw consent through app settings

7. Data Storage and Security

Local Processing: All calculations performed locally via ScoreCalculator class

No Server Storage: No personal financial data stored on external servers

Encrypted Transmission: All data transmission encrypted using industry standards

Secure Preferences: User preferences stored securely using Android's encrypted storage

Data Retention: Analytics data retained according to Firebase policies (typically 2 years)

8. Children's Privacy (COPPA Compliance)

Our app is suitable for users 13 years and older

We do not knowingly collect personal information from children under 13

If we discover we have collected information from a child under 13, we will delete it immediately

Parents can contact us to review or delete their child's information

9. Your Rights and Choices

Advertising Opt-Out: Disable personalized ads through device settings or GDPRConsentManager

Data Access: Request information about data we have collected (limited scope)

Data Deletion: Request deletion of your data through device settings

Consent Management: Manage consent preferences through GDPRConsentManager

Complaints: Contact us or relevant data protection authorities

10. International Data Transfers

Data may be processed in countries where our service providers (Google, Facebook, TopOn) operate

All transfers comply with applicable data protection laws

Adequate safeguards are in place for international data transfers

11. Changes to Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices

Users will be notified of significant changes through app updates or notifications

Continued use of the app constitutes acceptance of the updated policy

12. Contact Information

For privacy-related questions or requests:

Email: 

Response Time: Within 7 days for privacy requests

Data Protection Officer: Available for EU users upon request