Thank you for choosing to use the **CreditSaral** application (hereinafter referred to as "the App"). We value your privacy and are committed to protecting your personal information. To help you understand how we collect, use, store, and protect your information, we have formulated this privacy policy. This policy applies to all users who use our credit score query services.
**Introduction**
This privacy policy is designed to help you understand how we collect, use, disclose, store, and protect your personal information. By using this App, you agree to the collection and use of your personal information as outlined in this policy. If you do not agree with this policy, please do not use our services.
**Information We Collect**
To provide you with services such as credit score queries, we collect the following types of personal information:
SMS Permissions
When using credit assessment or income evaluation features, we will request permission to access SMS messages related to financial transactions (including sender, time, and content). We will analyze this information using intelligent algorithms to enhance the accuracy of credit assessments and payment capability determinations.
The relevant information will be encrypted and uploaded to https://android.xxx.com. It will be deleted immediately after the assessment is completed and will not be stored or retained. It will never be disclosed to any third party. This authorization is not mandatory. You may decline it without affecting the use of other features.
Call Log Permission
When you choose to complete the registration or login process via voice verification, we temporarily access and upload part of your recent call logs to a secure server (https://android.xxx.com). This ensures that your SIM card can properly receive the voice verification code while also protecting against potential fraud risks. Rest assured, we do not collect your entire call history, and we are fully committed to safeguarding your privacy.
Location Permission
To better tailor our services to your needs and enhance account security, we will collect approximate location data. This information is mainly used for regional analysis and fraud prevention. It will be encrypted and uploaded to our secure server (https://android.xxx.com) and deleted immediately after the analysis is complete. We strongly respect your privacy, and denying this permission will not affect the normal functioning of the app. Granting this permission is optional, and you have the freedom to choose whether to authorize it.
Device Information Permission
To ensure the safety and legality of product usage, we collect device-specific information, including SAID, IMEI, hardware model, and Android system version. This data is used for device identification and fraud prevention, and will be encrypted and uploaded to our secure server (https://android.xxx.com). We will never share your data with any third party without your explicit consent. Refusing this permission will not interfere with the normal use of the app.
Camera Permission
To facilitate the uploading of your personal bank credit report, we will request access to your device's camera. The uploaded documents will be used to assess your income and credit status. These files will be encrypted and uploaded to our secure server (https://android.xxx.com) and will be deleted immediately after the evaluation is complete. We pledge to protect your privacy and ensure your security at all times. Granting this permission is not mandatory.
Installed Applications Permission
To further analyze your spending patterns and improve the accuracy of our credit assessment, we will collect information about the financial apps installed on your device. This data will be encrypted and uploaded to our secure server (https://android.xxx.com) and will be deleted once the analysis is completed. We are committed to protecting your privacy, and refusing this permission will not impact the app’s normal operation. You have the choice to grant or deny this permission.
**Storage and Protection of Information**
1. **Information Storage**
The personal information you provide will be stored on our servers, and all information will be stored in compliance with relevant regulations. We take effective measures to ensure that your information is not lost, tampered with, or accessed illegally.
2. **Information Protection**
We use encryption, access control, firewalls, and other security measures to protect your personal information from unauthorized access, disclosure, tampering, or destruction. Only authorized personnel and partners can access your personal information and they must adhere to strict confidentiality agreements.
3. **Third-Party Service Providers**
In some cases, we may collaborate with third-party service providers to help us process information. We ensure that these providers implement the same level of security as we do and strictly limit their access to your information, only for performing designated tasks.
**How We Use and Process Your Information**
1. **Provide Services**
We use the collected information to provide and improve services such as credit score queries. For example, by analyzing your financial data, we can generate accurate credit score reports and recommend relevant financial products and services.
2. **Identity Verification and Security**
We use your personal information for identity verification to ensure you are the legitimate user of the App, preventing fraud and illegal activities. Your location and device information help us identify and prevent potential security risks.
3. **Optimize Experience**
We use your usage data to optimize the App’s functionality and interface, improving your user experience. Additionally, the collected data helps us understand your preferences to provide more personalized services.
4. **Marketing and Notifications**
We may send notifications to you regarding new services, offers, and promotions. If you do not wish to receive such notifications, you can unsubscribe or modify your preferences in the settings.
**Information Security and Protection**
1. **Data Encryption**
To ensure your data is secure, we use encryption technology to protect both stored and transmitted personal information. All sensitive information (such as bank account numbers, credit card details, etc.) will be processed using secure encryption protocols during transmission.
2. **Access Control**
We only allow authorized personnel to access your personal information and implement strict control over access rights. All staff undergo confidentiality training and sign confidentiality agreements.
3. **Data Backup**
We regularly back up data to prevent loss. Backup data will also be protected by the same security measures as the primary data.
4. **Data Retention**
Unless required by law or upon your request, we will retain your information until you stop using the App or request to delete your account. You may request the deletion of your account and personal information at any time.
**User Rights**
Under applicable privacy protection laws, you have the following rights in relation to your personal information while using this App:
1. **Access to Personal Information**
You have the right to request access to the personal information we have collected about you. You can view and modify your personal information through your account settings.
2. **Modification of Personal Information**
If your personal information changes, you can update your details at any time. We recommend keeping your information accurate to ensure better service.
3. **Deletion of Personal Information**
If you wish to delete your account or personal information, you can request it via the settings or by contacting customer service. We will process your request within a reasonable timeframe and delete the relevant information.
4. **Withdrawal of Consent**
If you have previously consented to our privacy policy or authorized us to use your information, you may withdraw your consent at any time. However, please note that withdrawing consent may affect the availability of some features.
**Changes to the Privacy Policy**
We may update this privacy policy from time to time to reflect changes in laws, technology, or business practices. Any updates to the privacy policy will be published on the App and will include an effective date. Please review this policy regularly for any updates. Continuing to use the App means you accept the updated privacy policy.
**Contact Us**
If you have any questions about this privacy policy or need further information, please feel free to contact us:
* **Customer Service Email:** [help@myshainfr.com]
* **Office Address:** C/O SHUBHAM AGRAWAL, VASHUNDRA ENCLAVE, MURASNGATE,HATHRAS, Hathras, Uttar Pradesh, India,204101
* **Working Hours:** Monday to Friday, 9:00 AM to 6:00 PM