1. Information We Collect
To provide you with reliable, secure, and personalized credit assessment services, CreditPathway may collect certain information when you use the App. All data transmissions are encrypted and securely stored on our servers. Personal Information You may provide details such as your full name, contact information, identification number (e.g., PAN card number), gender, address, and income data. This information helps us verify your identity, assess your creditworthiness, and comply with financial regulations. Device and System Data We may collect technical information, including your device model, operating system, unique device identifier, and network activity. This information helps detect fraud, ensure application stability, and maintain cross-device compatibility. Approximate Location We may access your approximate location to confirm service availability and meet regional compliance requirements. Installed Applications We may analyze non-system application data, update history, and version information to improve credit assessment, security, and user experience. SMS Information With your consent, CreditPathway may access limited financial-related SMS information from the past six months. This data is used solely for credit assessment, fraud prevention, and the verification of financial activity patterns. We do not access the content of your personal communications or any unrelated information. SMS data is securely handled using encryption technology during both transmission and storage, and is safely stored on our servers (https://api.creditpathway.net). Once the credit assessment is complete, the SMS data is automatically and permanently deleted from our servers. Camera Access Needed to upload documents, such as PAN card and Selfie.2. How We Use and Process Your Information
①Deliver Services
We use collected information to deliver and enhance core services like credit score inquiries. For example, analyzing your financial data enables us to create precise credit score reports and suggest tailored financial products aligned with your profile.②Verify Identity & Ensure Security
We use personal information to verify your identity, confirming you are the authorized App user and mitigating fraud or unauthorized activity. Location and device data further help us detect and block potential security threats.③Refine User Experience
We leverage usage data to refine the App's features and interface, elevating overall usability. Insights from collected data also let us understand your preferences, enabling more personalized service delivery.④Send Updates & Offers
We may send notifications about new services, exclusive offers, or promotions. You can opt out or adjust your preferences anytime in the settings to stop receiving such communications.3. Data Security
We implement a multi-layered security strategy—including technical safeguards, administrative controls, and physical protection—to ensure the security of your information. We also only allow authorized personnel to access your personal information and strictly control access permissions.4. Data Retention
Unless required by law or by you, we will retain your information until you cease using the application or request the deletion of your account. You can request the deletion of your account and personal information at any time.5. Updates to This Policy
This Privacy Policy may be updated periodically to reflect changes in applicable laws, regulations, or App features.Significant changes will be communicated via in-app messages or email notifications.We encourage you to review this page regularly. Your continued use of the App after updates take effect will be deemed your acceptance of the revised policy.6. Contact Us
If you have any questions about this privacy policy or need further information, please feel free to contact us: Customer Service Email: service@creditpathway.net Working Hours: Monday to Friday, 9:00 AM to 6:00 PM© 2026 CreditPathway. All Rights Reserved.