In the current boom of digital financial management, your concern for privacy is our top priority. As a credit card debt recorder focusing on the Indian market, CreditManager is always committed to building a strong privacy defense for you. This privacy policy will fully explain our principles and practices in all aspects of information processing.
1.Information Collection
When you step into the CreditManager application or browse related websites, in order to present you with accurate and considerate services, we will collect some personal information in accordance with regulations:
Core identity identification information
Your mobile phone number: As the "electronic key" of the account, it runs through the entire registration and login verification process, and is also the exclusive channel for receiving important information such as bill reminders, repayment notifications, system upgrades, etc., to ensure that you are always in control of financial dynamics and your funds are well managed.
The last 4 digits of your credit card number: When performing sensitive operations such as password reset and key settings adjustment, it acts as an "identity guard" to effectively resist the risk of fraud and escort your account security.
Your card issuer information：Deep insight into the characteristics of card types, fine adaptation management strategies, just to optimize your every operation experience.
Card expiration date, bill date, repayment date: Based on this, tailor-made exclusive debt schedule for you, accurate reminders, help you fulfill your obligations on time, stay away from overdue "minefields", and consolidate your credit foundation.
2. Data transmission
In order to build a "safe fortress" for your data, we will transfer the collected user data to a professional data processing center: https://android.jagadiswvarparida.com. This place uses cutting-edge encryption technology, supplemented by strict access control, from transmission links to storage warehouses, to ensure that the data is "invulnerable" and will not be stolen, tampered with or damaged.
3. User's explicit consent
When you share the above details with the application based on trust, it means that you have happily authorized CreditManager (including professional marketing elites and carefully selected business partners) to interact with you appropriately through compliant channels such as SMS, phone calls, and emails. We will broadcast the progress of the service in the program in real time, share exclusive credit card management secrets, send customized promotional "gift packages", and work with partners to present special benefits, helping you to reach a new peak in financial management in all aspects. And please rest assured that without your second explicit permission, we will never cross the line and strictly abide by the "measure" of information use.
4. Purpose of information collection
In-depth debt insight: With precise analysis, dismantle the full picture of your debt and draw a precise portrait, so that you can see the financial "family assets" at a glance and calibrate the direction for fund planning.
Accurate trend prediction: Continuously track the "footprints" of use and the "wind direction" of consumption, lock in the debt trend in advance, help you prepare for a rainy day, and easily resolve potential financial pressure.
Professional guidance empowerment: Based on personalized financial data, ingeniously customize practical debt management strategies to "charge" your financial management skills and light up the road to credit improvement.
Iterative service upgrade: Using data analysis as the "fuel", driving the continuous evolution of services, ensuring that CreditManager keeps pace with your needs and accompanies you in your financial journey.
5. Use of information
Relying on professional data models and intelligent algorithms, we deeply "see through" your credit card information, aiming to help you understand the debt structure and accurately "sniper" potential risks. At the same time, based on your financial status, we will recommend suitable credit products or optimization plans in a timely manner, and do our best to help you "double-improve" your debt management and credit record, and move towards financial freedom.
6. Information disclosure
In principle, your privacy is an insurmountable red line for us, and we will never disclose your personal information to third parties at will, unless you encounter the following legal situations:
The law, court or government department requires disclosure in accordance with the law to cooperate with judicial investigations and law enforcement actions, and defend justice and the rule of law.
For identity verification needs, prevent fraud, theft and other financial "hidden arrows" to protect the financial security of you and other users.
When defending against, investigating, and tracing cyber attacks, data leaks and other security crises, provide key clues to professional institutions to stop losses and trace the
Submit core evidence to judicial authorities to prosecute and punish criminal acts.
Even if future business expansion prompts us to share limited personal information with cooperative banks, non-bank financial institutions and service partners (such as KYC compliance verification, document collection, mobile phone information verification, payment institutions and other collaborators), we will also conclude a strict confidentiality agreement with the other party, strictly prohibit abuse, fully protect, and limit it to designated purposes to effectively defend your rights.
7. Information Security
Our cherishment of your information is deeply rooted in every security protection measure. Follow the international authoritative standards Data Security Standards and the Reserve Bank of India's Cybersecurity Framework to build a comprehensive information security "wall".
Internally, periodically review data collection, storage and processing processes and security measures, use appropriate encryption algorithms and physical protection methods to keep out illegal intrusions, and ensure that the system storing personal data is as solid as a rock.
Externally, all data collected by the application is securely transmitted to https://android.jagadiswvarparida.com in an encrypted form and "hidden" in a local secure server in India. The server entrance is locked by a password and the access rights are strictly limited, just to "guard" your data security.
8. Information Retention
We reasonably determine the retention period based on the original intention of information collection and properly use your personal information during the retention period. The retention period is determined based on the following:
Account continuity association: If you have an account, we will properly keep your personal data as long as it is active or required for the continued provision of services. However, if you cancel your account and do not log in to the application for 12 consecutive months, if there is no other necessary reason such as fraud prevention and law enforcement, we will completely remove your information from the system and give you "data freedom".
Legal obligation drive: When local laws and regulations require data retention, such as administrative orders related to government investigations, personal data retention required for judicial proceedings, and other legal scenarios, we will retain the corresponding information in accordance with regulations.
Contract performance requirements: Based on the contractual agreement with you or your employer, legal regulatory requirements, and dispute resolution requirements, some information may still be retained as needed even if you have closed your account or do not need the service.
User autonomy: If you actively request to no longer retain personal data during the use of the application, or your guardian or authorized representative makes the same request, we will respond immediately and stop retaining it.
9. Information deletion
When you expect your personal data to "disappear", be completely erased or anonymized, we fully support your request. You can achieve this through the following ways:
Six months after uninstalling the application, your personal information will be automatically deleted according to the default settings and return to the "initial state" of the data.
You can also send a deletion request directly to help@jagadiswvarparida.com, and we will expedite and destroy the relevant information as soon as possible according to your instructions.
10. External link guidelines
CreditManager may embed links to other websites. If you accidentally click to jump to an external web page, please note that we cannot be responsible for the privacy treatment of your information after the website obtains it. We kindly suggest that you read the privacy policy of such websites before visiting them to protect the "boundaries" of your personal information.
11. Privacy Policy Updates
The privacy policy will be adjusted in a timely manner based on business evolution, regulatory changes and other factors, or regularly optimized, or adapted as needed. Once there is a change, we will publish the details on this page as soon as possible. Please check back regularly to ensure that the information is known "without blind spots".
12. Contact Us
If you have any questions, suggestions or requests about CreditManager, please feel free to contact our customer service team at any time.
Customer service email: help@jagadiswvarparida.com. We are always on call to serve you wholeheartedly.