1. Our Commitment Concerning Your Privacy
At HemCredit, protecting your personal information is a crucial aspect of our service.
This Privacy Policy explains how we collect, manage, store, and secure your information when you use our mobile application ("the App"), as well as the choices you have regarding your data.
By downloading, accessing, or using the App, you agree to the data - handling practices described in this Policy. If you don't agree, please stop using the App.
2. Terms Explanation
Unless specifically stated otherwise, any capitalized terms in this Privacy Policy have the meanings defined in our Terms of Use.
3. Information We Collect
To provide secure and personalized financial services, HemCredit may collect the following types of information. All data is transmitted via encrypted channels and stored on secure servers at: 🔐 https://server.hemcredit.com
a. Identity and Financial Information
This might include your name, gender, mobile number, PAN, income particulars, and residential address.
We use this information to verify your identity, assess eligibility for credit - related services, and
meet regulatory requirements.
b. Device and Technical Information
We can collect data such as device model, operating system version, unique device identifiers, user
profile details, network status, Wi - Fi connection, and mobile network activity.
This data allows us to identify abnormal behavior, prevent unauthorized access, and protect
platform security.
c. General Location Information
To determine if HemCredit services are accessible in your area and comply with relevant local
regulations, we may collect approximate location data.
d. Application Usage and Installed Applications
We collect information about the non-system applications installed on your device, such as their update
history and current versions.
This information supports behavioral analysis and helps improve the accuracy and reliability of our
credit assessment processes.
4. Data Processing Purpose
HemCredit uses your information only for legitimate, necessary, and well - defined purposes, like:
- Confirming user identity and reducing fraud risks
- Setting up, running, and maintaining user accounts
- Offering important service announcements, updates, and notifications
- Evaluating credit eligibility and financial risk
- Meeting legal and regulatory requirements (such as KYC and AML)
- Responding to customer inquiries and support requests
- Improving system performance, functionality, and user experience
We never sell or misuse your personal information.
5. Data Retention Practices
We only retain personal data for the necessary duration to provide our services or meet legal, regulatory, or compliance obligations.
If you request the deletion of your personal data or account, we will process your request, except when retention is required for legitimate reasons, audits, or dispute resolution.
Anonymized data that cannot identify you may be retained for internal analysis and service improvement.
6. How We Protect Your Information Securely
HemCredit takes comprehensive security steps, like technical safeguards, internal rules, and physical protections, to reduce the risk of data loss, misuse, or unauthorized access.
Our systems are continuously monitored and updated to deal with new threats.
Although no digital platform can guarantee complete safety, we follow widely - recognized industry standards to safeguard your data.
7. Revisions to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our services, technology, or applicable laws.
If significant changes are made, we will notify you through the App or via email.
Your continued use of HemCredit after such updates constitutes your acceptance of the revised Privacy Policy.
8. Contact Us
If you have any questions, issues, or concerns regarding this Privacy Policy or your personal data, please contact us at:
📧 Email: support@hemcredit.com
By using HemCredit continuously, you confirm that you've read, understood, and agreed to this Privacy Policy.