1. Our Commitment to Your Privacy
At YourCredit, safeguarding your personal information is central to everything we do. This Privacy Policy describes how we gather, process, store, and protect your data when you use our mobile application ("the App"), as well as the choices you have over your information. By downloading, accessing, or using the App, you consent to the data practices set out in this Policy. If you do not agree, please stop using the App.
2. Definitions
Unless otherwise stated, capitalized terms used in this Privacy Policy carry the same meanings as those defined in our Terms of Service.
3. Information We Collect
To provide secure and tailored financial services, YourCredit may collect the following types of information. All data is transmitted via encrypted channels and stored on protected servers at:
🔐 https://server.yourcredit.cc
a. Identity and Financial Information
This may include your name, gender, phone number, PAN, income details, and residential address. We use this data to confirm your identity, evaluate eligibility for credit-related services, and meet applicable regulatory requirements.
b. Device and Technical Information
We may collect details such as device model, operating system version, unique device identifiers, user profile information, network status, Wi-Fi connectivity, and mobile network activity. This information helps us identify abnormal behavior, prevent unauthorized access, and maintain platform security.
c. General Location Information
We may collect approximate location data to verify whether YourCredit services are accessible in your area and to comply with applicable local regulations.
d. Installed Applications and Usage Data
We collect information about third-party apps installed on your device, including version histories and recent update details. This supports behavioral analysis and improves the precision and reliability of our credit assessment processes.
4. How We Use Your Information
YourCredit uses your data solely for legitimate, necessary, and clearly defined purposes, including:
- Verifying user identity and preventing fraud
- Setting up, managing, and maintaining user accounts
- Delivering important service alerts, updates, and notifications
- Evaluating credit eligibility and financial risk
- Meeting legal and regulatory obligations (e.g., KYC and AML compliance)
- Addressing customer inquiries and support needs
- Enhancing system performance, features, and the overall user experience
We never misuse or sell your personal information.
5. Data Retention
We retain personal data only for as long as needed to provide our services or fulfill legal, regulatory, or compliance obligations. If you request deletion of your personal data or account, we will act on your request unless retention is required for legitimate reasons, audits, or dispute resolution. Anonymized data that cannot be linked back to you may be kept for internal analytics and ongoing service improvement.
6. How We Protect Your Information
YourCredit employs a range of protections — including technical controls, internal policies, and physical safeguards — to minimize the risk of data loss, misuse, or unauthorized access. Our systems are regularly monitored and updated to keep pace with evolving security threats. While no digital platform can guarantee complete protection, we follow widely recognized industry standards to secure your information.
7. Updates to This Privacy Policy
We may revise this Privacy Policy from time to time to reflect changes in our technology, services, or applicable regulations. When significant updates occur, we will notify you through the App or via email. Your continued use of YourCredit after any such changes indicates your acceptance of the updated Privacy Policy.
8. Contact Us
If you have any questions, concerns, or requests related to this Privacy Policy or your personal data, please reach out to us at:
📧 Email: support@yourcredit.cc
By continuing to use YourCredit, you confirm that you have read, understood, and agreed to this Privacy Policy.