Your privacy is at the heart of everything we do. This Privacy Policy explains how ScorePilot (hereinafter referred to as "we" or "the App") collects, uses, and protects your personal information when you use our App. By using this App, you agree to the collection and use of your personal information as outlined in this policy. If you do not agree with this policy, please do not use our services.

1. Information We Collect

To provide you with reliable, secure, and personalized credit assessment services, ScorePilot may collect certain information when you use the App. All data transmissions are encrypted and securely stored on our servers.

Personal Information

You may provide details such as your full name, contact information, identification number (e.g., PAN card number), gender, address, and income data.

This information helps us verify your identity, assess your creditworthiness, and comply with financial regulations.

Device and System Data

We may collect technical information, including your device model, operating system, unique device identifier, and network activity.

This information helps detect fraud, ensure application stability, and maintain cross-device compatibility.

Approximate Location

We may access your approximate location to confirm service availability and meet regional compliance requirements.

Installed Applications

We may analyze non-system application data, update history, and version information to improve credit assessment, security, and user experience.

SMS Permissions

When you use the credit assessment feature, we will request access to SMS messages related to financial transactions. We will use intelligent algorithms to analyze this information to improve the accuracy of credit assessments and payment ability determinations. We do not collect personally identifiable SMS messages. After the assessment is completed, this information will be deleted immediately and will not be stored, retained, or disclosed to any third party.

Call Log Permissions

When you choose to complete registration or login via voice verification, we will temporarily access and upload a portion of your recent call logs to our servers. This ensures your SIM card can correctly receive voice verification codes and protects against potential fraud risks. Rest assured, we do not collect all of your call logs, and we are always committed to protecting your privacy.

Camera Access

Needed to upload documents, such as PAN card and Selfie.

2. How We Use and Process Your Information

①Deliver Services

We use collected information to deliver and enhance core services like credit score inquiries. For example, analyzing your financial data enables us to create precise credit score reports and suggest tailored financial products aligned with your profile.

②Verify Identity & Ensure Security

We use personal information to verify your identity, confirming you are the authorized App user and mitigating fraud or unauthorized activity. Location and device data further help us detect and block potential security threats.

③Refine User Experience

We leverage usage data to refine the App's features and interface, elevating overall usability. Insights from collected data also let us understand your preferences, enabling more personalized service delivery.

④Send Updates & Offers

We may send notifications about new services, exclusive offers, or promotions. You can opt out or adjust your preferences anytime in the settings to stop receiving such communications.

3. Data Security

We implement a multi-layered security strategy—including technical safeguards, administrative controls, and physical protection—to ensure the security of your information. We also only allow authorized personnel to access your personal information and strictly control access permissions.

4. Data Retention

Unless required by law or by you, we will retain your information until you cease using the application or request the deletion of your account. You can request the deletion of your account and personal information at any time.

5. Updates to This Policy

This Privacy Policy may be updated periodically to reflect changes in applicable laws, regulations, or App features.Significant changes will be communicated via in-app messages or email notifications.We encourage you to review this page regularly. Your continued use of the App after updates take effect will be deemed your acceptance of the revised policy.

6. Contact Us

If you have any questions about this privacy policy or need further information, please feel free to contact us:

Customer Service Email: service@scorepilot.net

Working Hours: Monday to Friday, 9:00 AM to 6:00 PM