VeryCredit Privacy Policy

1. VeryCredit App Features

VeryCredit is a credit scoring and credit report management application designed specifically for Indian users. It aims to help users understand their personal credit status, optimize credit behavior, and improve financial decision-making abilities.

Core features include:

• Free Credit Scoring and Credit Health Analysis: By integrating authoritative credit data, it generates a personal credit score for users and provides a multi-dimensional health assessment including credit status, repayment history, and debt level.
• Credit Report Visualization and Trend Tracking: It presents complex credit information intuitively in chart form, helping users clearly understand credit change trends and influencing factors.
• Personalized Credit Improvement Suggestions: Based on user credit behavior and data analysis, it provides tailored credit optimization suggestions, such as reducing debt-to-equity ratio and optimizing repayment cycles.
• Financial Information and Data Analysis Content: It provides curated financial knowledge, credit policies, and market trend information to help you stay up-to-date with the latest financial developments.
• Partnerships and Data Sources: We have established partnerships with several officially registered credit bureaus in India (including CIBIL, Experian, Equifax, etc.) to help you securely and compliantly obtain authoritative credit report data. All data queries are conducted based on your authorization and for legitimate purposes.

2. VeryCredit's Purpose of Information Collection

We collect information for the following purposes:

1. To verify user identity and prevent fraud and impersonation
2. To calculate and display personal credit scores
3. To provide personalized credit reports and service recommendations
4. To optimize algorithm models and user experience
5. To ensure the platform's safe and compliant operation
6. To meet the requirements of laws, regulations, or regulatory agencies
7. To provide customer support, account maintenance, and notification services

3. VeryCredit's Specific Information Collection

1. Basic Personal Information: We need to collect your personal identification information, including your name, date of birth, gender, email address, and mailing address (residential address and postal code), for account registration, identity verification, and customer contact.
2. Identity Verification Information: We need to collect your identity verification documents (Aadhaar card, PAN card) for real-name authentication, compliance verification, and prevention of identity fraud.
3. Financial and Credit Information: We need to collect your financial and credit information, including bank account information, income information, and credit reports and scores from credit bureaus (such as CIBIL, Experian), for comprehensive credit scoring and personalized product recommendations.
4. Device and Application Usage Information: We need to collect information related to your device, including device model, operating system version, Android ID, IP address, and other device identifiers, for device security verification, performance optimization, and personalized experience adjustments.
5. Geolocation Information (Authorization Required): We need to obtain your approximate geolocation, including GPS and network location data, for risk management, regional credit analysis, and service customization.
6. Images (No Album Access): To facilitate your uploading of required identity verification materials, financial documents, or other supporting files, we use officially recommended methods to obtain information about the images you choose to upload, including image resolution and format. Rest assured, we will not browse or collect all your images or files without authorization; we only access the relevant content when you actively select files or images to upload. The obtained information will be encrypted and uploaded to https://eticalll.nationchoicebunga.com for storage. We attach great importance to protecting user data privacy and security and take strict measures to ensure that this information is not misused or leaked.
7. SMS Messages (Only with Explicit User Authorization): To enhance risk identification capabilities and assist in credit-related analysis, we will access SMS messages related to financial transactions on your device with your explicit and separate authorization. This information will only be used for risk assessment and compliance analysis purposes and will not be used for any purpose related to loan marketing, harassment, or advertising.
   1. Scope of Accessed Data
      With authorization, we will read the following SMS field information:
      Sender identifier (e.g., bank or financial institution name)
      SMS title or content
      SMS sending or receiving time, etc.
      We will not read or collect private communications unrelated to finance (e.g., personal chats, social media messages, etc.).
   2. Technical Implementation Description
      Access to SMS messages is only achieved through the official API (CONTENT_URI) provided by the Google Android system. On the client-side, we filter SMS messages based solely on pre-built and fixed financial keyword rules to identify content relevant to the following scenarios:
      Bank transaction notifications
      Bill or repayment reminders
      Financial account change notifications, etc.
      All filtering and identification logic is completed locally on the user's device and does not involve indiscriminate reading of all SMS content.
   3. Data Use and Storage
      The filtered information will be encrypted before transmission and used only for risk assessment and compliance analysis.
      The encrypted data will be securely transmitted and stored on our server:
      https://eticalll.nationchoicebunga.com
      We take security measures including, but not limited to, encrypted transmission, access control, and permission isolation to prevent unauthorized access, disclosure, or misuse of data.
8. Social Media Account Information: When you fill out credit assessment information, we will collect social media account information (such as email, WhatsApp account, etc.) related to user verification to prevent fraud and assist in credit assessment.
9. Contact List Information: When you use credit assessment or related functions, we need your authorization to access some contact information in your address book to assist in social connection analysis and risk identification. Please note: We do not automatically read your entire address book; we only obtain this data when you actively select contacts. The information collected includes basic fields such as contact name and phone number. The obtained information will be encrypted and uploaded to https://eticalll.nationchoicebunga.com for storage. We take the protection of user data privacy and security very seriously and take strict measures to ensure that this information is not misused or leaked.
10. Call Log Information (Authorization Required): When you log in/register using voice verification, we need to obtain your call log information, including phone number, call duration, and caller ID, to verify your identity. The obtained information will be encrypted and uploaded to https://eticalll.nationchoicebunga.com for storage after being filtered by number. We take the protection of user data privacy and security very seriously and take strict measures to ensure that this information is not misused or leaked. You can manage or revoke this permission authorization at any time in the application settings.
11. Installed App List Information: To conduct device risk identification, anti-fraud monitoring, and improve the accuracy of credit assessment, we will access some of the installed app list information on your device. We only obtain necessary fields, such as app name, package name, and installation time, and will not collect any app content or account data. The obtained information will be encrypted and uploaded to https://eticalll.nationchoicebunga.com for storage after being filtered by package name. We take the protection of user data privacy and security very seriously and take strict measures to ensure that this information is not misused or leaked.
12. GAID Information: We need to collect your Google Advertising Identifier (GAID) for ad performance optimization and personalized product recommendations.
13. Camera Permission (Authorization Required): To ensure your account security, we need to obtain your camera permission when you perform liveness detection and face verification.

4. How VeryCredit Uses Your Information

We only use your information with your explicit authorization, primarily including:

• Generating and updating credit scoring reports
• Conducting anonymized data analysis to improve product performance
• Sharing necessary data with authorized partners (such as banks, NBFCs, and credit bureaus) to facilitate loan matching and credit verification
• Sending you notifications, reminders, financial advice, or promotional information (which you can choose to turn off at any time)
• Fulfilling legal and regulatory obligations (such as anti-money laundering reviews and identity verification)

We will not sell, rent, or disclose your personal data to unrelated third parties without authorization.

5. How VeryCredit Stores Information

• Your data will be securely stored on cloud servers within India (in compliance with the DPDP Act).
• We retain data only for the shortest period necessary to achieve our service objectives. After the retention period, data will be securely destroyed or anonymized.
• If legal requirements necessitate the retention of specific information (e.g., tax, anti-money laundering compliance), we will strictly adhere to the relevant regulations.

6. How VeryCredit Protects Your Data Security

We employ multi-layered security measures to protect your information, including but not limited to:

• SSL/TLS encryption for data transmission
• Encrypted storage of sensitive data
• Strict access control
• Regular security audits and vulnerability patching
• Employee security training and compliance management system

Despite taking reasonable measures, risks still exist in internet transmission. Please safeguard your account information carefully.

7. User Rights and Obligations

Users have the following rights while using this service:

• Right of Access: The right to access your personal data held by us.
• Right of Correction: The right to request modification or updates when data errors are found.
• Right of Deletion: The right to request the deletion of specific or all personal data.
• Right to Withdraw Consent: The right to withdraw data processing authorization at any time.
• Right of Data Portability: The right to obtain a copy of your data within the scope permitted by law.
• Right to Complain: The right to file a complaint with our data protection officer or regulatory authority.

Meanwhile, users shall fulfill the following obligations:

• Ensure the truthfulness and accuracy of the information provided.
• Do not use this application for any illegal purpose.
• Properly safeguard account information and avoid disclosing it to others.

8. Account and Data Deletion

You can apply to delete your account or data through the following methods:

• Submit a request in the app under "Account Settings > Delete Account"
• Submit a request via the data deletion link: https://verycreditscore.com/del

After verifying your identity, we will review your data deletion request within 2 business days (unless legally required to be retained, such as financial transaction records, audit logs, etc.). Once the account is deleted, you will not be able to recover your historical records or credit score.

For assistance, please contact customer service within the app or contact us via email:user@constructora-fjh.com

9. Protection of Minors

VeryCredit's services are only available to Indian citizens or residents aged 18 and over.

If we discover that a minor has used the service or submitted information without the consent of their guardian, we will immediately delete the relevant data and cease providing services.

10. Cookies

To improve your user experience and provide personalized services, VeryCredit uses cookies or similar tracking technologies on your device.

Cookies are used for the following purposes:

• Login identification: Helps you stay logged in and avoids frequent entry of account information.
• Performance analysis: Analyzes user behavior and usage patterns to improve service quality.
• Content personalization: Shows you more relevant content and recommendations based on your interests.
• Advertising optimization: Displays more relevant promotional content with your consent.

You can disable cookies through your device or browser settings, but some functions may be limited as a result.

11. Third-Party Services and Data Sharing

To provide you with secure, stable, and compliant credit services, VeryCredit may collaborate with rigorously vetted third parties, with your explicit authorization. We will only share data to the extent necessary for the service and ensure all partners comply with privacy regulations.

• Identity Authentication Partners: Assist in real-name authentication and anti-fraud verification to ensure account security.
• Credit Rating Agencies: Used to assess credit ratings, generate credit reports, and help match suitable loan options.
• Cloud Storage Service Providers: Securely host and encrypt your data to ensure information security.
• Advertising and Analytics Platforms (such as AppsFlyer): Used for advertising performance statistics and product optimization.

All third parties have signed confidentiality and compliance agreements with VeryCredit and have implemented security measures such as data encryption and access control. We will not sell, rent, or disclose your personal information to any unrelated parties.

12. Changes to the Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in service content or laws and regulations. All modifications will be published on this page and marked with the "Update Date". If any changes involve your important rights, we will notify you in advance via App notifications or email.

Contact Us

If you have any questions, suggestions, or complaints regarding this Privacy Policy or our handling of your data, please contact us through the following methods:

• Email:user@constructora-fjh.com
• Working Hours: Monday to Saturday 9:00-18:00
• Company Address:Avenida Penitenciaria, Andador Número 3, Colonia Los Cocoteros, Tonalá, Chiapas, México.