Privacy Policy

1. Introduction

Cred Point ( "we", "our", or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and safeguard the information you provide while using the Cred Point mobile application and related services.

Cred Point is a financial assessment and planning application. It helps users understand their financial profile by analyzing the information they voluntarily provide and offers educational financial insights. Cred Point does not provide, approve, or disburse loans.

2. Information We Collect

• Personal Information: Name, mobile number, email address, gender, and date of birth.
• Employment Information: Employment type, company/business name, designation, monthly income, and monthly expenses.
• Financial Planning Information: Loan amount, repayment period, and interest rate values entered into the financial planning calculator for educational estimates.
• Usage Information: Device information, operating system, app version, crash reports, and anonymous analytics used to improve app performance.

3. How We Use Your Information

• Generate your financial assessment.
• Provide educational financial insights and recommendations.
• Estimate borrowing capacity using standard financial calculations.
• Improve application performance and user experience.
• Respond to customer support requests.
• Maintain security and prevent misuse of the application.

4. Data Sharing

We do not sell your personal information.

Your information is not shared with banks, NBFCs, lenders, or financial institutions for loan processing.

We may share limited information with trusted service providers such as cloud hosting or analytics providers solely to operate and improve our services, or when required by law.

5. Data Security

We use reasonable administrative, technical, and organizational safeguards to protect your information against unauthorized access, disclosure, alteration, or destruction. However, no method of electronic storage or transmission is completely secure.

6. Analytics and Device Information

Cred Point may collect anonymous analytics and diagnostic information to improve application stability, identify crashes, and enhance user experience.

7. Your Rights

You may request to:

• Access your personal information.
• Correct inaccurate information.
• Delete your account and associated information.
• Contact us regarding any privacy-related concerns.

8. Financial Disclaimer

Cred Point is an educational financial assessment application.

The financial score, estimated borrowing capacity, repayment estimates, and recommendations shown within the application are generated using the information provided by the user and standard financial calculations.

These results are intended solely for educational and financial planning purposes. They do not constitute financial advice, loan approval, loan eligibility, loan offers, or guarantees from any bank, NBFC, or financial institution.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, legal requirements, or business practices. Updated versions will be published on this page with the revised effective date.

10. Contact Us

If you have any questions about this Privacy Policy or would like to request deletion of your account or personal information, please contact us:

Email: rajeshdailygeneral@gmail.com