Privacy Policy

We recognize the importance of protecting your personal information and are committed to handling your data in a lawful, transparent, and secure manner. This Privacy Policy explains what information we collect, why we collect it, how we use and protect it, and the rights you may have regarding your personal information when using the CrediFactor mobile application ("App").

By registering, signing in, or continuing to use the App, you acknowledge that you have read, understood, and agreed to this Privacy Policy.

1. Information We Collect

We collect only the information necessary to provide our services and process your data in accordance with applicable laws and regulations.

Depending on the features you use, we may collect the following categories of information:

Personal Identification Information

To verify your identity and manage your account, we may collect information including:

* Full name

* Mobile phone number

* Date of birth

* Residential address

* Gender

* Bank account information

* PAN (Permanent Account Number) or other legally permitted identification information

Location Information

We may collect your approximate location to determine whether our services are available in your region, support fraud prevention measures, and comply with applicable legal requirements. CrediFactor does not continuously track your precise real-time location.

Installed Applications Information

With your permission, we may collect limited information about applications installed on your device for the sole purpose of fraud prevention, risk assessment, and credit evaluation. We do not access the contents of any application, including messages, photos, videos, documents, or other personal files.

Camera Permission

We may request access to your camera to capture or upload identity documents and other supporting materials required for identity verification, fraud prevention, and regulatory compliance. All images are encrypted during transmission and storage and are used exclusively for these purposes.

SMS Permission

With your explicit consent, we may access SMS messages sent by banks, payment service providers, or financial institutions that contain transaction or credit-related information. This information is used solely to support identity verification, fraud detection, and credit assessment, helping us provide more accurate evaluation results. We do not read your personal messages or SMS content unrelated to credit assessment.

Eligible SMS data is securely transmitted using end-to-end encryption to https://upload.credifactor.net and is used only for credit assessment and risk analysis. The data will be deleted in accordance with applicable laws and our internal data retention policy once the credit evaluation process has been completed.

Device Information

When you use our services, we may collect certain device-related information, including your device model, operating system version, unique device identifier (UDID), IP address, and other technical information. This information is used to optimize application performance, improve security, and ensure compatibility across different devices.

2. How We Use Your Information

Your personal information may be used for the following purposes:

* Creating and maintaining your account;

* Verifying your identity;

* Conducting credit assessment and risk analysis;

* Preventing fraud, suspicious activities, and other unlawful conduct;

* Providing customer support and responding to inquiries;

* Improving application functionality, stability, and overall user experience;

* Sending important service-related notifications;

* Complying with applicable laws, regulations, and regulatory requirements.

We will not use your personal information for purposes unrelated to those described above without your consent, unless otherwise permitted or required by law.

3. Information Sharing

We respect your privacy and do not sell your personal information to third parties.

We may share necessary information under the following circumstances:

* When required by applicable laws, regulations, courts, or governmental authorities;

* With your explicit authorization or consent.

All third parties receiving your information are required to implement appropriate security measures and process your information only for authorized purposes.

4. Data Retention and Security

We retain your personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy or to comply with applicable legal and regulatory obligations.

During the retention period, we implement industry-standard technical and organizational safeguards, including encrypted transmission, access controls, identity authentication, security monitoring, and other appropriate measures to protect your information against unauthorized access, disclosure, alteration, or loss.

When your information is no longer required, it will be securely deleted or anonymized in accordance with applicable laws.

5. Your Rights

Subject to applicable laws, you may have the right to:

* Access your personal information;

* Update or correct your information;

* Request the deletion of your personal information where permitted;

* Withdraw your consent where applicable;

* Submit inquiries, requests, or complaints regarding the processing of your personal information.

You may contact us using the details provided below, and we will respond within a reasonable timeframe in accordance with applicable laws.

6. Children's Privacy

CrediFactor is intended for users who are legally eligible to use financial or credit-related services under applicable laws.

We do not knowingly collect personal information from children. If we become aware that such information has been collected unintentionally, we will take reasonable steps to delete it promptly.

7. Updates to This Privacy Policy

We may revise this Privacy Policy from time to time to reflect changes in our services, legal requirements, or business operations.

If any material changes are made, we will notify you through the App or by other appropriate means. The updated Privacy Policy will become effective upon publication.

8. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or the way we process your personal information, please contact us at:

Email: help@credifactor.net

Thank you for choosing CrediFactor. We are committed to protecting your personal information and continuously improving our privacy and security practices.