Privacy
Policy
This
privacy policy is developed by CreditInsight
developer MURMAWATI HURA. We (hereinafter referred to as "we" or
"this application") attach great importance to the personal
information security of users. By using the devices, products, services and
other online platforms to which this privacy policy applies, you agree to the
content of this policy and understand how we collect, use and protect your
information.
Information
Collection
We
will collect the following information:
1.
Personal information: such as name, ID number,
address and email, etc., to help us identify the user.
2.
Financial information: including bank account,
credit record and income information, used for credit assessment and related
services.
3.
Contact list information
When
you use CreditInsight's credit scoring service, CreditInsight requires you to select 2 contact information
from your contact list, including contact name, contact number and contact
information. This helps us confirm your identity, evaluate your social
relationships, and then calculate your credit score. We will strictly protect
your privacy and security. This contact information will only be used for
credit and risk assessment, and will not be used for other purposes. It will be
encrypted and uploaded to our security center https://ayatas.intergrityethics.com/
to ensure the security of the information.CreditInsight
can only obtain the information of the two contacts you have confirmed and
selected, and cannot access your entire contact list. CreditInsight
pays attention to user privacy and data security and protects user data from
infringement.
4.SMS
information
When
you use CreditInsight for credit scoring services, CreditInsight needs to obtain your financial type SMS
information, including SMS title and number, etc., to help us determine the
user's risk status and provide users with appropriate credit analysis. This
information will not be used for other purposes without your permission and
will be uploaded to our security center https://ayatas.intergrityethics.com/
after encryption to ensure the security of the information. Users can cancel
authorization in the settings. It should be noted that the credit assessment
function will be affected after you cancel the authorization.
5.Call
log information
When
using a voice verification code to log in or register an application, the
application may request access to your call log information, which includes
details such as your mobile phone number and call type to verify whether the
mobile phone card in your device is consistent with the phone number used to
receive the verification code when you registered. This is to verify your
identity to prevent identity theft and fraud. This access is necessary because
the application's functions involve the user's private data, and it is very
important to confirm the user's identity during the login process. By analyzing
call log information, the application can ensure the security and privacy of
user data. Please note CreditInsight does not collect
all your call logs, but only collects your call log information for the past
year. CreditInsight will upload this information to https://ayatas.intergrityethics.com/
for encryption and will never disclose it without the user's permission. CreditInsight promises that it will only obtain information
during your use of the application if you agree to authorize it.
6. List
of installed applications
CreditInsight
will collect and upload a list of non-system applications installed on your
device (including application name, application installation time, application
update time, etc.) to analyze your behavioral preferences and help evaluate
your credit score. Please note that CreditInsight
will strictly screen and only collect the list of installed applications
required for risk control. CreditInsight will upload
this information to https://ayatas.intergrityethics.com/ for encryption and
will never disclose it without user permission.
7.
Device information: Including device model,
operating system, device unique identifier, etc., so that we can provide you
with better services.
8.
Camera information: We need to access your
camera data (such as photo and video metadata) to support specific functions of
the application.
9.
Location information: We will collect your
location information to provide personalized services or content based on
geographic location.CreditInsight
only obtains your rough address location and cannot obtain your precise
location, so please rest assured.
10.
Social account information: We will collect your
public information on social platforms and, if necessary, we will collect your
social account information related to this application to analyze interests,
preferences and behavior patterns, optimize product design, etc.
11.
Image information: When you use CreditInsight's services, CreditInsight
needs to access your image information for uploading images. For example, you
may need to upload relevant credentials when contacting customer service. We
will only collect this information during your use of the application with your
explicit authorization. This information will not be used for other purposes
and will be encrypted and uploaded to our security center https://ayatas.intergrityethics.com/
to ensure the security of the information.CreditInsight
only obtains the pictures you have selected to upload, and cannot access your
entire album, so please rest assured. CreditInsight
pays attention to user privacy and data security and protects user data from
infringement.
12.
GAID: CreditInsight
will obtain your Google advertising ID to tag your device and conduct
advertising analysis tracking and personalized recommendations.
The
purpose of collecting the above information is to provide users with credit
scoring services and related functions, including but not limited to:
1.
Evaluate the user's credit status;
2.
Verify the user's identity and financial information;
3.
Improve user experience and application functions;
4.
Comply with relevant laws and regulations and protect our legitimate rights and
interests;
5.
Analyze the market and user needs;
6.
Send necessary notifications to users;
7.
Improve our services and products;
8.
Provide customized user services.
Data
Sharing
In
order to optimize data analysis and advertising services, we have established a
partnership with external service providers. During the cooperation period, we
will share your data with third parties in accordance with relevant agreements.
External institutions will collect, store and process the acquired data in
accordance with their own privacy policies.
The
third-party services we currently support include:
Appsflyer
(URL: https://www.appsflyer.com/)
Function:
Analyze user behavior, perform advertising attribution, and improve marketing
efficiency.
We
will only share your data with the above-mentioned affiliates to the extent
necessary to improve services and enhance user experience. Except for the
purposes explicitly mentioned, we will not provide your personal information to
any unrelated third party without your explicit consent. CreditInsight
is committed to always protecting user privacy and data security. We will
continue to implement strict data protection measures to ensure that your
personal information is handled safely and reasonably.
Information
Protection and Storage
We
take various measures, including physical, electronic and managerial means, to
ensure the security of your personal information during storage and
transmission. Only authorized employees or partners can access your
information, and they are subject to strict confidentiality obligations.
Although
we take all reasonable measures, we cannot guarantee the absolute security of
data transmitted over the Internet. Please understand that it is difficult to
completely avoid risks during data transmission.
Sharing
of Personal Information
We
will not share your personal information with third parties unless you
explicitly agree. We will not sell or rent your personal information without
your permission.
Third-party
services
To
optimize our services, we may work with third-party service providers. We will
ensure that these providers can only access user data required for their
services and take appropriate security measures to protect information
security.
Data
Storage and Deletion
Users
have the right to manage their personal information, including the choice to
decide whether to retain or delete data. We respect the privacy needs of users
and provide convenient deletion methods to ensure that their information
processing meets the requirements:
Submit
a deletion request through the application: Users can submit an account
deletion request directly in the application, and we will delete all personal
information related to the account based on this request.
Contact
via email: Users can also contact our customer service team by sending an
email, and the team will assist in the data deletion process. The official
email address is: service@murmawatihura.com
Please
note that once the account is deleted, the relevant personal information will
not be restored. If you want to use our services again, you need to re-register
your account. Thank you for your understanding, and we will continue to work
hard to optimize the service experience.
Cookies
Our
application may use Cookies or similar technologies to collect and store
information about your access and use of our services. You can manage the use
of Cookies through browser settings.
Service
Providers
We
may work with third-party service providers to provide and improve our
services. These service providers may access your personal information, but
only to the extent necessary to provide services to us.
Withdrawal
of consent
You
can withdraw your authorization for us to collect and process personal
information at any time. Please note that revoking authorization may affect the
use of some services or features.
Privacy
Policy Changes
We
may modify this Privacy Policy as needed. The changed policy will be notified
to you through in-app notifications or other reasonable means. If you continue
to use our application, you accept these changes.
If
you continue to use our application, you agree to be bound by the revised
Privacy Policy. If you do not agree to the revised policy, please stop using
the application.
If
you have any questions or suggestions about this Privacy Policy, or need to
exercise your privacy rights, you can contact us at:
Email:
service@murmawatihura.com
Website:
https://creditinsightall.com/
Address:
Om Nagar, Parvat Patiya,
Surat, Gujarat 395010, India
Working
hours: Monday to Friday 09:00-18:30
Thank
you for choosing CreditInsight. We will continue to
be committed to protecting your privacy and ensuring that your personal
information is properly protected.