Privacy Policy

Effective Date: October 29, 2025

App Name: CredOn

Contact Email: contact@credonopro.com

Welcome to CredOn. CredOn highly values your privacy and the security of your personal information, and we are committed to collecting and using information within the scope of legality, legitimacy, and necessity.

This Privacy Policy aims to clearly explain how CredOn handles your personal data during the provision of services. Please read and fully understand this policy before using the app.

1. Information Collected by CredOn

With your explicit consent, the app will only collect information necessary to provide its core functions, including the following categories:

1.1. SMS Information (Financial Only)

With your authorization, CredOn reads system-filtered financial SMS messages (such as bank transaction notifications, credit card statements, loan repayment reminders, etc.). Non-financial messages are automatically excluded, and only content related to financial activity is structured and analyzed to assist in creating a credit score, evaluating repayment ability, and financial stability.

All SMS data is processed locally on your device and will not be uploaded to any server or third party. SMS permissions are requested only for credit evaluation or risk detection, and the content accessed is limited to filtered financial messages; personal or non-financial messages are not involved.

1.2. Location Information (Approximate Location)

With your consent, CredOn may access your approximate geographic location. This information is used solely to confirm the availability of services in your area and to help identify potential abnormal logins or risky activities.

The app does not continuously track precise location and does not use location information for profiling purposes.

1.3. Camera Access

When you voluntarily submit feedback or supporting materials, CredOn may access the camera to capture and upload relevant screenshots or evidence.

Camera access is active only when manually initiated by you. Images are used solely for feedback handling and customer support, and no background recording occurs. Uploaded images are transmitted securely and are not used for other purposes or shared with unrelated parties.

1.4. Device Information

To ensure service security and stability, CredOn may collect device-related information, including device model, operating system version, device identifiers (such as Android ID), network status, and system language settings.

This information is used solely for system compatibility, security, and preventing fraudulent installations; it is not used to identify individuals or for targeted advertising.

1.5. Personal Information

When you register or log in to the app, CredOn may collect your phone number for account registration, identity verification, notifications, and login protection.

Unless separately authorized by you, CredOn will not use your phone number for marketing or promotional purposes.

1.6. Advertising Identifier (Advertising ID)

The app may use your advertising ID to support advertising delivery, performance evaluation, and fraud detection. This ID is used solely as an anonymous metric, not linked to personal information.

Collected advertising IDs are not used to identify you personally, nor are they shared or sold to unauthorized third parties.

2. Use of Information

CredOn uses collected information for the following purposes:

• To provide, improve, and optimize app services;

• To conduct data analysis for better user experience;

• For account verification, security checks, and fraud prevention;

• To comply with applicable laws or regulatory obligations.

CredOn does not sell or rent your personal information. All data usage is based on legality, legitimacy, and necessity principles.

3. Third-Party SDKs

To ensure stable operation and advertising performance analysis, the app integrates the following third-party SDKs. CredOn requires these parties to comply with relevant privacy and data protection policies.

3.1. Facebook SDK

• Provider: Meta Platforms, Inc.

• Information Collected: Device information (model, OS version, IP address, advertising ID), usage events (install, launch, clicks), network connection information, etc.

• Purpose: Advertising performance analysis, user interaction statistics, marketing optimization.

• Privacy Policy: https://www.facebook.com/about/privacy

3.2. Adjust SDK

• Provider: Adjust GmbH

• Information Collected: Advertising identifiers (AAID/IDFA), device model, operating system, install events, referral sources, etc.

• Purpose: Monitor install sources, track ad conversion, prevent fraudulent installs or activities.

• Privacy Policy: https://www.adjust.com/terms/privacy-policy

• CredOn does not provide these SDKs with user information beyond what is necessary, and all data is governed by the respective privacy policies.

4. Web and Cookies

Use of Cookies and Similar Technologies

When accessing webpages or in-app WebView pages, cookies, pixel tags, Local Storage, or similar technologies may be used to optimize page experience, track visits, analyze behavior, and ensure security.

Information Collected

• Page visits and duration;

• Browser type, operating system, and device information;

• Click behavior, navigation paths, visit frequency;

• IP address and approximate location (for security and compliance only);

• Anonymous data related to ad display and conversion.

Cookie Categories

• Functional Cookies: Ensure proper website operation or provide requested services, e.g., remember login status or language preferences;

• Analytics/Statistics Cookies: Collect anonymous visit data to improve service and user experience;

• Advertising/Marketing Cookies: Used to deliver and evaluate ad performance, processed anonymously.

Management and Restrictions

You can accept, refuse, or delete cookies via your browser or system settings; some functionalities may be limited.

5. Data Storage and Protection

Storage Method: Your personal data is securely stored on protected servers with encryption and access control. Data is retained only as long as necessary to provide services and is deleted or anonymized once authorization is revoked or the purpose is fulfilled.

Retention Period: Information is kept only for the duration required to provide services. Once the purpose expires or you withdraw consent, CredOn will promptly delete or anonymize the data.

Security Measures: CredOn implements multiple security measures, including encrypted transmission, firewalls, and intrusion detection, to prevent data loss, leakage, or misuse.

6. Your Rights

You may manage your personal information and permissions as follows:

• Revoke permissions (SMS, location, camera, etc.) in system settings. Some features may be affected;

• Request correction or deletion of your account information ;

  • Deletion path: MORE → ABOUT → DELETE ACCOUNT;

• Request cessation of data collection or account closure.

If you have any questions about the handling of your personal information, you may contact CredOn at contact@credonopro.com, and CredOn will respond in a timely manner in accordance with the law.

7. Protection of Minors

This app is intended for users aged 18 or older.

If CredOn discovers that a minor has provided personal information without parental consent, the relevant data will be immediately deleted.

8. Policy Updates

CredOn may update this privacy policy from time to time to reflect changes in service features or applicable laws.

In the event of significant changes, CredOn will notify users prominently within the app. Updated policies take effect immediately upon publication.

9. Contact CredOn

For any questions, comments, or complaints regarding this privacy policy or personal data protection, please contact CredOn at:

Email: contact@credonopro.com

CredOn will respond and address your inquiries within a reasonable timeframe.