Credit
Clarity is a practical utility application that provides credit information
reference, bookkeeping tools, and financial calculation features. We are
committed to handling personal information in a transparent and responsible
manner and process information only when it is necessary to operate the app,
maintain security, support service reliability, and comply with applicable
legal obligations.
This
Privacy Policy explains how Credit Clarity collects, uses, stores, protects,
and deletes information when you use the app and related services. By using
Credit Clarity, you acknowledge that you have read and understood this Privacy
Policy. If you do not agree with this policy, please discontinue use of the
app.
Scope of
This Policy
This
Privacy Policy applies to information processed through the Credit Clarity
mobile application and related services.
It does
not apply to third-party websites, applications, or services that may be linked
to or referenced within the app.
Information
We May Collect
Personal
Information Provided by Users
When using
certain features of the app, users may voluntarily provide personal information
needed for feature support, app security, customer support, or the use of
relevant services. Depending on the feature being used, this information may
include name, date of birth, phone number, email address, work status, monthly
income, or other information voluntarily submitted through relevant app
features.
All such
information is encrypted during transmission and securely transmitted to: api.creditclarityapp.com
Personal
information is processed only for legitimate service-related purposes and is
not disclosed to unauthorized third parties.
App List
Metadata
For app
security purposes, Credit Clarity may collect limited metadata related to
applications installed on the device, such as application package names and
installation or update timestamps.
This
information is used only to support device security, identify abnormal device
environments, and reduce misuse or unauthorized use of the app. Credit Clarity
does not read the content of other applications and does not access personal
data, login credentials, messages, or activity inside third-party apps.
Installed
application metadata is not used for advertising, marketing, or unrelated
profiling.
All such
metadata is encrypted during transmission and securely transmitted to: api.creditclarityapp.com
Once the
relevant security review is completed, the metadata is deleted in accordance
with internal processing controls.
Device
Information
Credit
Clarity may collect limited device and system information, including device
model, operating system version, screen resolution, network details, IP
address, Google Advertising ID (AD_ID), and other limited technical identifiers
available on the device.
This
information helps maintain app stability, improve technical performance,
strengthen app security, identify abnormal device activity, and support service
reliability analysis.
All such
information is encrypted during transmission and securely transmitted to: api.creditclarityapp.com
The Google
Advertising ID (AD_ID) is not used for targeted advertising or unrelated
behavioral profiling.
Camera
Access
If a user
chooses to capture or upload images or documents within the app, Credit Clarity
may request access to the device camera.
Camera
access is used only for user-initiated image capture or document upload within
relevant app features. Images captured or uploaded through this feature are
encrypted during transmission and securely transmitted to: api.creditclarityapp.com
These
materials are retained only for the time necessary to complete the relevant
processing purpose and are deleted in accordance with applicable operational
and compliance requirements.
Credit
Clarity does not activate the camera automatically and does not access the
camera in the background.
Approximate
Location Information
If
permission is granted, Credit Clarity may access approximate location
information provided by the device.
This
information is used to support region-based feature availability, strengthen
app security, and help identify unusual device activity. Credit Clarity does
not rely on precise GPS location for these purposes and does not perform
background location tracking.
Location
information is not used for advertising, marketing, or unrelated behavioral
profiling.
Network
and Connectivity Information
Credit
Clarity may access network connection status and Wi-Fi state information.
This
information helps maintain stable communication with backend systems, supports
reliable data transmission, and ensures that app functions operate properly. It
is not used to monitor browsing behavior or internet activity outside the app.
Usage and
Diagnostic Information
We may
collect technical and diagnostic information related to how the app functions,
such as page interactions, session events, crash reports, and other app
performance data.
This
information is used to improve product reliability, optimize app performance,
troubleshoot issues, and enhance the overall user experience. It is not used
for unrelated profiling or external advertising purposes.
How We Use
Information
Information
processed through Credit Clarity may be used for the following purposes:
·
to provide and operate app
features
·
to support credit information
reference, bookkeeping, and financial calculation functions
·
to support relevant app features
and related security measures where applicable
·
to detect misuse, abnormal
activity, or security risks
·
to maintain app stability and
improve service performance
·
to respond to customer support
requests
·
to comply with applicable legal
and regulatory obligations
If certain
permissions are not granted, some features may not function as intended.
Data
Sharing
Credit
Clarity does not sell, rent, or trade personal information.
Information
may be shared only when necessary and only with:
·
authorized service providers
supporting app security, customer support, or technical operations
·
technology providers supporting
secure data processing, hosting, or storage
·
regulators, law enforcement
agencies, or other authorities where disclosure is required by law
Where
information is shared, appropriate contractual, confidentiality, and security
measures are applied.
Data
Security
We apply
reasonable technical and organizational safeguards to protect information
processed through Credit Clarity. These measures may include:
·
encrypted data transmission
·
internal access controls
·
authorization management
·
system monitoring
·
periodic security review
procedures
Access to
sensitive information is restricted to authorized personnel only.
Data
Retention
Information
is retained only for as long as necessary to fulfill the purpose for which it
was collected, including:
·
supporting relevant app features
and related processing
·
maintaining service reliability
and operational security
·
meeting legal, regulatory, or
compliance requirements
·
resolving disputes or enforcing
applicable terms where necessary
When
retention is no longer required, the relevant data is deleted, anonymized, or
otherwise securely disposed of in accordance with applicable requirements.
Age
Restriction
Credit
Clarity is intended only for individuals who are at least 18 years old.
We do not
knowingly collect personal information from individuals under the age of 18. If
such information is identified, it will be deleted within a reasonable period.
User
Rights and Choices
Depending
on applicable law, users may have the right to:
·
request access to personal
information
·
request correction of inaccurate
information
·
withdraw permissions previously
granted through device settings
·
request deletion of their account
or associated information, where applicable
If you
wish to make a privacy-related request, please contact us using the contact
details below.
Account
and Data Deletion Requests
To request
account deletion or to exercise privacy-related rights, please contact:
support@creditclarityapp.com
Requests
will be reviewed and processed within a reasonable period, subject to
applicable legal and operational requirements.
Updates to
This Privacy Policy
We may
update this Privacy Policy from time to time to reflect changes in legal
requirements, technical measures, or app functionality.
The latest
version of the Privacy Policy will be made available within the app or through
other appropriate channels. Continued use of Credit Clarity after an updated
version becomes effective indicates acknowledgment of the revised policy.
Contact Us
If you
have any questions about this Privacy Policy or how information is handled,
please contact:
Email:
support@creditclarityapp.com