Introduction

Welcome to Credit Leaf (we, us, or our). Protecting your privacy is our top priority. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our mobile application (the App). By accessing or using the App, you consent to the practices described in this policy. If you do not agree, please discontinue use immediately.

Information Collection and Use

The Application collects information when you download and use it. This information may include information such as

Personal information

We need to collect your personal identity information, including user name, education, monthly salary, email address, account registration, identity verification, customer contact, etc. for credit assessment.

SMS information

We selectively analyze financial transaction SMS (e.g., bank payments, loan EMI alerts, credit card spends) to assess your repayment behavior and creditworthiness. Non-financial messages are automatically filtered out and never stored. This helps us build a more accurate picture of your financial habits than traditional credit scoring methods. The SMS data is encrypted and transmitted via HTTPS to our secure servers.

Camera

Enables you to securely upload or capture PAN card images for identity verification. Uploaded images are encrypted.

Installed App List

We analyze your installed app list solely for fraud prevention and financial behavior assessment (for example, to detect fake bankingclone apps that may pose a risk of identity theft). We only scan app package names, never your usage activity. App list data is encrypted and transmitted to our secure servers via HTTPS.

Location Information

Network-based approximate location (with your consent) is collected solely to determine service eligibility and detect suspicious activities.

Device Data

Hardware model, operating system version, unique device identifiers (IMEI, MAC address), IP address, and network carrier.

How we use information

1.Generate your credit score and credit analysis report.

2.Verify your identity and protect account security.

3.Optimize our service experience and improve application performance.

4.Comply with applicable laws and regulations.

Security

The Service Provider is concerned about safeguarding the confidentiality of your information. The Service Provider provides physical, electronic, and procedural safeguards to protect information the Service Provider processes and maintains.

Changes

This Privacy Policy may be updated from time to time for any reason. The Service Provider will notify you of any changes to the Privacy Policy by updating this page with the new Privacy Policy. You are advised to consult this Privacy Policy regularly for any changes, as continued use is deemed approval of all changes.

Contact Us

If you have any questions about privacy or practices while using this app, please contact us and we will respond within 7 business days.