Effective Date: February 2026
Thank you for choosing to use the CredUp mobile application (the “App”). Your personal data and privacy are of utmost importance to us. This Privacy Policy explains, in clear terms, how we handle the information you share with us. Before using any features of the App, please take a moment to read this Policy to understand how we collect, process, use, disclose, and safeguard your personal information.
When you use the App, we may collect the following information necessary to provide our services:
Personal Information
This includes information that you voluntarily submit, such as your name, contact information, date of birth, and gender. These data points help us verify your identity, assess your credit profile, and manage your account.
Device-Related Information
We collect technical details about your device, such as model, operating system version, device identifiers, Wi-Fi information, and diagnostics. These details help us improve service performance, account security, and detect any abnormal or fraudulent activities.
Call Log Metadata
With your permission, we access limited call log metadata (e.g., call duration, call status, and phone number). This information is used strictly to confirm Voice-OTP delivery and strengthen identity authentication and security checks. We do not access or store the content of your calls.
Camera Access
This permission allows you to take photos and upload your profile picture within the App for identity verification and account management purposes.
App List Permission
We request access to the list of non-system apps installed on your device to improve service accuracy, perform security checks, and prevent fraudulent activities. The information collected from the App List is solely used for these purposes and does not impact your credit assessment result. We do not use this data for advertising or marketing purposes, and it is not shared with unauthorized third parties.
Approximate Location
We collect your approximate location to help determine whether our services are available in your region and to verify service eligibility. We do not track your real-time location, and this data is only used when location-based features are active.
The information collected is used for the following purposes:
To provide and operate our services, including identity verification, credit assessment, and account management.
To improve the security of your account by detecting risks, confirming Voice-OTP events, and preventing unauthorized activities.
To enhance user experience by customizing certain elements of the App according to your needs.
We implement industry-standard security practices to protect your data from misuse, unauthorized access, alteration, or loss. All information is securely stored on encrypted servers hosted by CredUp at creduppro.com.
We do not sell or share your personal data with unrelated third parties. Your data may be disclosed only when required by law or when necessary for providing services through trusted service providers operating under confidentiality agreements.
Your information will only be shared under the following circumstances:
When discosure is required by laws, regulations, or legal procedures.
When necessary to protect the App, our rights, or the safety of our users.
When third-party service providers need access to specific information to perform services on our behalf.
We retain your personal information only for as long as it is needed to fulfill the purposes outlined in this Policy, unless a longer retention period is required by applicable laws or regulatory obligations.
You can request access, correction, or deletion of your personal information at any time.
You can delete your account and associated data directly by going to Me → Delete Account.
Once the deletion is completed, all personal data linked to your account will be permanently removed from our systems.
We may update this Privacy Policy to reflect changes in services, legal requirements, or improvements in our practices. Any updates will be posted on this page and may be communicated to you through in-app alerts. The updated version will be effective immediately after publication.
If you have any questions about this Privacy Policy or wish to exercise your data rights, please contact us at:
Email: contact@creduppro.com