1. Our Pledge to Your Privacy
At DiyaCredit, safeguarding your personal information is a core aspect of our service.
This Privacy Policy clarifies how we gather, handle, preserve, and safeguard your information when you utilize our mobile application ("the App"), along with the options you possess regarding your data.
By downloading, accessing, or employing the App, you consent to the data practices outlined in this Policy. If you don't concur, please cease using the App.
2. Interpretation of Terms
Unless otherwise specifically stated, any capitalized terms in this Privacy Policy carry the meanings defined in our Terms of Use.
3. Categories of Information We Gather
To offer secure and customized financial services, DiyaCredit might gather the following types of information. All data is sent through encrypted channels and stored on secure servers at: 🔐 https://server.diyacredit.com
a. Identity and Financial Information
This might encompass your name, gender, mobile number, PAN, income details, and residential address.
We utilize this information to confirm your identity, evaluate eligibility for credit - related services, and fulfill regulatory requirements.
b. Device and Technical Information
We could gather data like device model, operating system version, unique device identifiers, user profile particulars, network state, Wi - Fi connection, and mobile network activity.
This data assists us in identifying abnormal behavior, blocking unauthorized access, and safeguarding platform security.
c. General Location Information
We might gather rough location data to check if DiyaCredit services are accessible in your area and to adhere to relevant local regulations.
d. Application Usage and Installed Apps
We could examine non - system apps installed on your device, including their update history and software versions.
This information aids in behavioral analysis and enhances the precision and dependability of our credit assessment procedures.
4. Data Processing Purpose
DiyaCredit utilizes your information solely for legitimate, essential, and clearly - defined objectives, such as:
- Verifying user identity and minimizing fraud risks
- Establishing, operating, and sustaining user accounts
- Conveying important service notices, updates, and alerts
- Assessing credit eligibility and financial risk
- Meeting legal and regulatory requirements (such as KYC and AML)
- Answering customer inquiries and support requests
- Enhancing system performance, functionality, and user experience
We never sell or abuse your personal information.
5. Data Retention Practices
We only keep personal data for the duration necessary to offer our services or fulfill legal, regulatory, or compliance requirements.
If you ask for the deletion of your account or personal data, we'll handle your request, except when retention is needed for legitimate purposes, audits, or dispute settlement.
Information that has been anonymized and can't identify you might be kept for internal analysis and service enhancement.
6. How We Safeguard Your Information
DiyaCredit adopts comprehensive security measures, such as technical protections, internal regulations, and physical safeguards, to lower the risk of data loss, improper use, or unauthorized entry.
Our systems are constantly monitored and upgraded to deal with emerging risks.
Although no digital platform can ensure absolute safety, we adhere to well - recognized industry standards to safeguard your data.
7. Amendments to This Privacy Policy
We might modify this Privacy Policy occasionally to mirror changes in our services, technologies, or legal responsibilities.
When significant updates take place, we will inform you via the App or by email.
Your continued utilization of DiyaCredit after such updates implies your acceptance of the revised Policy.
8. Contact and Support
If you have any requests, concerns, or questions regarding this Privacy Policy or your personal data, kindly contact us:
📧 Email: support@diyacredit.com
By continuing to use DiyaCredit, you confirm that you have read, comprehended, and consented to this Privacy Policy.