๐ Privacy Policy for Credit Score Check & Report
Effective Date: January 14, 2025
1. Introduction
Credit Score Check & Report ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and protect information when you use our credit score calculator application.
2. Information We Collect
2.1 Personal Information for Credit Score Calculation
To calculate your credit score, we collect the following information that you voluntarily provide:
Personal Details: Age, employment type, years of employment
Financial Information: Monthly income, monthly expenses, annual income
Credit Information: Number of credit cards, credit limits, credit utilization, payment history
Loan Information: Existing loans, loan amounts, EMI details, loan repayment history
Credit History: Length of credit history, credit mix, credit enquiries
Employment Details: Employment stability, income sources
2.2 Automatically Collected Information
Device Information: Device type, operating system, app version
Usage Analytics: App usage patterns, feature usage, crash reports (via Firebase Analytics)
Advertising Data: Ad interaction data for personalized advertisements
3. How We Use Your Information
3.1 Credit Score Calculation
Process your financial information to calculate estimated credit scores
Provide detailed breakdown of credit factors
Generate credit improvement recommendations
Store calculation history locally on your device
3.2 App Improvement
Firebase Analytics: Analyze app usage to improve user experience
Firebase Crashlytics: Monitor app crashes and performance issues
Understand user preferences and optimize app features
3.3 Advertising
Google AdMob: Display relevant advertisements based on your interests
Meta Audience Network: Show personalized ads from Facebook's advertising network
Generate revenue to keep the app free for users
4. Data Storage and Security
4.1 Local Storage
All credit calculation data is stored locally on your device
No financial information is transmitted to external servers
You can delete all data by uninstalling the app
4.2 Third-Party Services
We use the following third-party services that may collect data:
Firebase Analytics & Crashlytics: Usage analytics and crash reporting
Google AdMob: Advertising services and ad personalization
Meta Audience Network: Facebook advertising network
5. Data Sharing and Disclosure
We do NOT sell, trade, or rent your personal information
Financial data used for credit calculations remains on your device
Anonymous usage data may be shared with Firebase for analytics
Ad networks may collect advertising identifiers for personalized ads
6. Your Rights and Choices
6.1 Data Control
Delete all app data by uninstalling the application
Opt-out of personalized ads through device settings
Contact us to request information about data practices
6.2 Advertising Choices
Disable personalized ads in your device's privacy settings
Use "Limit Ad Tracking" (iOS) or "Opt out of Ads Personalization" (Android)
7. Children's Privacy
Credit Score Check & Report is not intended for children under 13. We do not knowingly collect personal information from children under 13 years of age.
8. International Users
Credit Score Check & Report is available globally. Data processing may occur in different countries where our service providers operate.
9. Changes to Privacy Policy
We may update this Privacy Policy periodically. Significant changes will be notified through the app with an updated effective date.
The IPO information provided in the app, including open, upcoming, and listed IPOs, is for general informational and educational purposes only. We do not provide investment advice, financial recommendations, or guarantees regarding accuracy, completeness, or outcomes.
IPO data is collected from publicly available sources and may be delayed or subject to change. Users are advised to verify details from official sources (such as stock exchange or SEBI-registered platforms) before making any investment decisions. We are not responsible for any financial loss arising from reliance on this information.
11. Contact Us
For privacy questions or concerns, contact us at: mailto:access.kagemaster1991@gmail.com