Welcome to the MyCredit mobile application ("App") operated by MH20245736 ("us", "we", or "our").
Our Privacy Policy explains how we collect, use, disclose, and protect personal information from users("you", "your"), and your choices about the collection and use of your information.
This Privacy Policy sets out how we collect and uses the information that we collect about you when you use our services. This policy also explains the choices that you can make about the way that we use your information.
If you continue to browse and use this App you are agreeing to comply with and be bound by this Privacy Policy.
Information we collect
We will transfer user data to the following address: https://mycdt2.com
The service collects specific types of personal information with the user's consent to facilitate its functions, which include contact identification, financial management, security measures, and personalized services. Here's a breakdown of the information collected:
Directly Provided Information
Phone Number: Required for account registration and receiving One-Time Passwords (OTPs) for login purposes. This information is secured and protected against unauthorized access.
Information Collected During App Usage
SMS Messages: All SMS messages are collected, focusing specifically on financial SMS to automate income and expenditure analysis. Collection is limited to app usage periods.
· This feature is central to our application. Without it, the app would not function properly.
· Data collection occurs only while you are using the app.
· If you decline to grant us the necessary permissions for these critical features, we will be unable to provide you with our services.
We transmit the collected information to https://mycdt2.com to safeguard your personal data and prevent unauthorized access.
Call Log Access: Read permissions for call logs are requested for call-based OTP verification, ensuring account security and preventing financial information leaks.
· This feature is central to our application. Without it, the app would not function properly.
· Data collection occurs only while you are using the app.
· If you decline to grant us the necessary permissions for these critical features, we will be unable to provide you with our services.
We transmit the collected information to https://mycdt2.com to safeguard your personal data and prevent unauthorized access.
Approximate Location: Background collection of location data ensures service availability based on user location.
Phone State Reading: Permissions for reading phone state are required for call-based OTP verification.
Camera Access: Camera permissions allow users to capture and upload preferred photos for profile customization.
Device Information: Background collection of device information aids in fraud prevention and app management.
Answering Phone Calls: Permission to answer phone calls is sought for call-based OTP verification.
List of Installed Applications: Background collection of installed apps enhances service provision and personalization.
Additional details may be requested to meet regulatory requirements or to offer new services/products through the app. Data from authorized third-party service providers, such as credit scores, may be utilized to enhance services, adhering to the privacy policy terms.
Security Measures
All collected information is transmitted securely to https://mycdt2.com to ensure personal data protection and prevent unauthorized access. Users' consent is essential for collecting any of the aforementioned information. If users do not grant necessary permissions, the app's core functionalities cannot be provided.
Purpose of Collected Information
We gather personal information about you for several critical reasons(including, but not limited to):
1. To verify your identity for safety and security purposes.
2. To provide you with the services you access on our App including Check Credit Score, Check bank balance, Income and Expenditure Analysis;
3. To facilitate communication regarding our services.
4. To tailor and enhance our services according to your needs.
Use of Personal Information
We utilize your personal information in various ways:
1. Check your credit score.
2. To reach out to you regarding our services.
3. To refine our offerings by customizing your experience based on your preferences, potentially influencing the content displayed.
4. To analyze site trends and customer interests to improve our App and products.
5. To use your information as legally permissible.
Confidentiality of Your Account
The responsibility for securing your account rests entirely with you, the user. It is imperative that you do not share your phone number and One-Time Password (OTP) with any third parties. Should you suspect that these details have been compromised or disclosed to others, you are required to notify us promptly by emailing mh20245736@gmail.com.
In the event that another individual gains access to your account using the login credentials that were either shared by you or obtained due to your breach of this Privacy Policy, we shall not be held liable for any consequences arising from such unauthorized access. Maintaining the confidentiality of your account information is crucial to prevent unauthorized use.
Information Security
We employ rigorous security measures to safeguard your personal information against unauthorized access:
1. Our security measures encompass internal audits of data handling, storage, and processing, utilizing robust encryption techniques like Base64 encoding, displacement.
2. As an ISO/IEC 27001:2013 certified company, we adhere to industry-standard security protocols to protect customer data securely. Rest assured, in the event of a data breach, we will respond promptly in accordance with established standards.
3. We prioritize our customers' data privacy and integrate advanced security technologies at multiple levels of our products to fortify our systems against a spectrum of threats, from basic vulnerabilities to sophisticated cyber-attacks.
Information Deletion and Retention
1. Information Deletion
If you wish to cease sharing your personal information with us, you can send your request to mh20245736@gmail.com . Please be informed that it might take up to 7 business days to process your request or deactivate your access to our services on the App.
In cases where you find our application no longer beneficial and have ceased using it for over 12 months, we will initiate the automatic deletion of your personal information.
2. Information Retention
It is important to note that we might keep specific pieces of information, including your phone number, SMS records, call log data, images, approximate location, phone state details, camera usage data, device information, phone answering permissions, and details of installed applications. This retention is justified by our legitimate business needs, such as the prevention of fraudulent activities, and to ensure we meet our legal obligations, contractual responsibilities, and compliance standards. By doing so, we aim to uphold the integrity and security of our services.
Information Sharing
1. Unless stipulated in this Privacy Policy or required by law, a court order, or directive from a governmental agency for identity verification, crime prevention, investigation (including cyber incidents), prosecution, or penal action, we refrain from sharing your personal information with third parties.
2. With your explicit and prior consent, we may share your information with selected service providers to facilitate the provision of our services to you.
3. Again, with your explicit and prior consent, we might disclose usage-generated information from your interaction with our App to non-supplier or non-business partner affiliates. However, to be clear, we do not engage in the sale or leasing of such information.
Links to Other Websites
Our application may feature links or provide direct access to third-party websites, mobile applications, or online platforms (collectively referred to as "Third-Party Sites"). The presence of these links does not imply endorsement or approval of the content or services available on those sites. We do not exert control over the content of Third-Party Sites or any products or services they offer. Consequently, we cannot be held accountable for Third-Party Sites. This privacy notice does not extend to activities conducted on Third-Party Sites. We urge users to exercise caution when interacting with Third-Party Sites and to familiarize themselves with each site's respective privacy policies.
Changes to this Privacy Policy
We reserve the right to amend this privacy policy at our sole discretion. Any revisions to this policy will reflect changes in legal requirements, our data handling procedures, service functionalities, or advancements in technology. We recommend that you periodically revisit this page to stay updated on our current privacy practices.
Contact Us
Should you have any inquiries or feedback, please feel free to reach out to us at mh20245736@gmail.com .