Credit Secure

Welcome to Credit Secure ("we", "our", or "us"). We value your trust and are strictly committed to protecting your privacy and personal information. This Privacy Policy outlines how our application collects, uses, stores, and safeguards your data when you use the Credit Secure mobile application.

By downloading, installing, or using Credit Secure, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Information We Collect

We may collect or process the following limited categories of information:

• User-Provided Profile Details: When you set up your profile or use financial calculators, you may enter details such as your name, mobile number, employment status, or financial figures. This data is used locally on your device to personalize your calculation results.
• Device & Technical Information: For application stability, security, and bug fixes, non-sensitive device data (such as device model, OS version, language preference, and anonymous crash logs) may be processed.
• App Preferences: We store your chosen app language and theme preference locally on your device via secure key-value storage.

2. Permissions Used by the App

Credit Secure only requests permissions that are strictly necessary for its features:

• Internet & Network State: Used to check network connectivity, synchronize app configuration, and load relevant financial resources.
• Post Notifications: Used only if you opt-in to receive EMI due-date reminders, RBI rate change notifications, or essential app updates. You can enable or disable notifications at any time in your device Settings.

3. Third-Party Services

The application may integrate reputable third-party services that process minimal diagnostic or analytical data under their respective privacy policies:

• Google Play Services: Core system APIs and security verification.
• Firebase Analytics & Crashlytics: Used strictly for anonymous usage telemetry, crash detection, and application stability improvements (Google Privacy Policy).

4. Financial Disclaimer

Credit Secure is a financial calculator and planning tool:

• Credit Secure is NOT a bank, non-banking financial company (NBFC), or money lender.
• We do not directly provide loans, issue credit lines, or disburse funds.
• All calculations, interest figures, amortization schedules, and eligibility estimations provided in the app are mathematical approximations designed for educational and planning purposes only.
• Users are strongly advised to verify loan terms, processing fees, and interest rates directly with their chosen lending institution before entering any formal financial agreement.

5. Data Security

We implement industry-standard technical and organizational security measures to protect your information against unauthorized access, loss, alteration, or misuse. All external communication between the app and verified servers is encrypted in transit using Secure Sockets Layer / Transport Layer Security (SSL/TLS).

6. Data Retention & Deletion

Most calculations and profile values are stored locally on your device storage (Hive database) and are completely cleared if you clear app storage or uninstall the app. If you wish to request deletion of any cloud-associated diagnostic data, you may reach out to us at our support email address provided below.

7. Children's Privacy

Our application is intended strictly for individuals who are 18 years of age or older. We do not knowingly collect or solicit personal identifiable information from children under the age of 13. If you become aware that a minor has provided us with personal information, please contact us immediately so we can promptly delete it.

8. Changes to This Privacy Policy

We may update our Privacy Policy periodically to reflect app enhancements or legal requirements. Any modifications will be posted directly on this page with an updated "Last Updated" timestamp. We recommend reviewing this policy regularly.

9. Contact Us

If you have any questions, suggestions, or concerns regarding this Privacy Policy or your data, please contact our support team: