1. Our Pledge to You
At JaiCredit, your trust shapes everything we do. This Privacy Policy explains what personal information we collect when you use our mobile application ("the App"), how we handle and protect that information, and the rights you have over your own data. By installing or using the App, you agree to the practices described here. If any part of this Policy is unacceptable to you, please stop using the App.
2. Terminology
Capitalized terms not defined in this Privacy Policy have the meanings given to them in our Terms of Service.
3. Data We Collect
To deliver our services effectively, JaiCredit may collect various categories of information. All data is transmitted via encrypted connections and stored on secure infrastructure at:
🔐 https://server.jaicredit.com
a. Personal and Financial Details
This may include your full name, gender, phone number, national identification, income information, and home address. We use this data to verify your identity, assess your eligibility for our services, and meet our regulatory obligations.
b. Device and Network Data
We may collect your device model and type, operating system version, unique device identifiers, user preferences, network connection details, and mobile activity data. This information helps us detect abnormal behavior, prevent unauthorized access, and maintain the integrity of our platform.
c. Approximate Location
With your consent, we may gather general location data to confirm whether JaiCredit services are available in your area and to comply with relevant local regulations.
d. App Usage and Installation History
We collect information about third-party apps on your device — such as version numbers and recent update activity — to enhance the precision of our credit evaluation models and better understand financial usage patterns.
4. How Your Data Is Used
JaiCredit uses your information solely for legitimate, specific, and clearly defined purposes:
- Verifying user identities and reducing fraud risk
- Creating and maintaining user accounts
- Sending service updates, alerts, and important notifications
- Evaluating credit eligibility and financial risk
- Complying with legal requirements, including KYC and AML standards
- Resolving support requests and handling disputes
- Improving the reliability, features, and overall experience of our platform
We will never sell your data or use it outside the scope of your consent.
5. Retention of Your Data
We hold your personal data only for as long as needed to provide our services or fulfill applicable legal and regulatory requirements. Should you request deletion of your data or account, we will act on that request promptly — except where retention is required for compliance, auditing, or dispute resolution. Anonymized data that cannot identify you may be retained for internal analytics.
6. Keeping Your Information Safe
JaiCredit applies comprehensive protections — including data encryption, role-based access controls, and physical security measures — to minimize the risk of unauthorized access or data exposure. Our systems are consistently monitored and updated to counter new threats. While no platform can promise absolute security, we adhere to established industry standards to keep your data safe.
7. Policy Updates
This Privacy Policy may be revised as our services expand or as legal requirements evolve. For significant changes, we will notify you through the App or via email. Continued use of JaiCredit after an update signals your acceptance of the revised Policy.
8. Reach Out to Us
If you have questions about this Policy or how your data is handled, please get in touch:
📧 Email: support@jaicredit.com
By using JaiCredit, you confirm that you have read, understood, and accepted this Privacy Policy.