Welcome to ClearCredit.

At ClearCredit, we place a high priority on the protection of user data and privacy. We are committed to full compliance with applicable laws and regulations in India, ensuring that the collection, use, storage, and transmission of all personal information is lawful, transparent, controllable, and auditable.

I. Types of Information We Collect

To provide you with services such as bill reminders, credit assessment, and financial tracking, we may collect the following types of information:

• Identity Information: including your name, date of birth, gender, and ID number (if necessary). This information will be used to verify the authenticity of your identity, prevent fraud risks, and be used for our internal compliance risk control process.
• Contact Details: such as your mobile phone number and email address, which are used to complete account registration and login verification, and will also be used to send you bill reminders, service notifications, security verification information, or communicate with you for customer service when necessary.
• Financial Information: We may collect financial-related data such as monthly income range, bill amount, repayment record, etc. provided by you. This information will be used to evaluate your credit status, formulate appropriate bill management suggestions, and help you better formulate personal financial plans.
• Location Information: When you authorize us to access the location of your device, we collect your approximate location, IP address and other geographic location information to confirm whether you are currently in our service coverage area, and also to detect and prevent possible abnormal login or fraudulent behavior.
• Camera permissions: We need to access your camera permissions. During your credit assessment, you will need to upload your ID for identity verification. We protect your privacy and will not use your camera without permission.
• Device Advertising Identifier (IDFA): We will request access to your device advertising identifier (IDFA) for personalized content push and ad fraud prevention. We will only collect and use this information with your explicit authorization.

II. How We Collect and Use Your Data

ClearCredit adheres to the principle of data minimization, collecting only the information necessary for service functionality. We will clearly inform you of the intended purpose before collecting any data and will seek your explicit consent.

We may use your data for the following purposes, among others:

1. To provide services such as bill management, expense tracking, credit scoring, and service notifications;
2. To support identity verification, secure login, and fraud detection;
3. To build risk models and optimize service strategies;
4. To work with compliant third-party providers (e.g., payment gateways, cloud storage) as authorized by you;
5. To meet auditing and regulatory requirements within the scope permitted by applicable laws.

III. How We Protect Your Information

ClearCredit employs a multi-layered security framework to protect your information throughout its collection, storage, transmission, and use. This includes safeguards against unauthorized access, disclosure, alteration, or loss.

All data handling is strictly aligned with the Digital Personal Data Protection Act 2023 (DPDP Act 2023) and relevant RBI (Reserve Bank of India) guidelines.

IV. Your Data Rights

You have full control over your personal data. In accordance with applicable laws and regulations, you have the right to:

• Right to Be Informed: Know what information we collect and how it is used;
• Right of Access: Request to view the personal data we hold about you;
• Right to Rectification: Request corrections to inaccurate or outdated information;
• Right to Erasure: Request deletion of certain data under specific conditions;
• Right to Withdraw Consent: Change or revoke previously granted permissions at any time;
• Right to Restrict Processing: Request limitations on how your data is used.

To exercise any of these rights, please contact our customer support team via the in-app service center.

V. Policy Regarding Minors

ClearCredit does not provide services to individuals under the age of 18. We do not knowingly collect or process personal data from minors. If we discover that a user is underage, we will promptly suspend the associated account and securely delete all relevant data.

VI. Deleting an account

If you need to delete your account on our APP, you can contact the customer service team to delete it. Please note that once the account is deleted, the data will be completely deleted and cannot be restored. Please operate with caution.

VII. Contact Us

If you have any questions, concerns or feedback, please contact us through the customer service information in the APP. We are always here to help you and will do our best to respond in a timely manner.