Privacy Policy
1. Overview
Your trust matters to us. This Privacy Policy explains how our mobile application (the "App") handles your personal information. It describes what data we may collect, why we collect it, and the measures we take to keep it secure. By using the App, you acknowledge and agree to the practices described in this Policy.2. Definitions
Terms not defined here have the same meaning as in our Terms of Service. If you have any doubts about this Policy, please contact us directly.3. Information We Collect
To operate the App and deliver financial services responsibly, we may collect the following categories of data. All information is stored on secure systems and protected by encryption:
• Personal Information
Such as your full name, gender, phone number, government-issued identification details, income, and residential address. This is required to verify your identity and evaluate financial eligibility.
• Device and Technical Data
Includes device model, operating system, unique device identifiers, network status, and connectivity details. We use this to maintain security and ensure the App functions properly on your device.
• Approximate Location
We may access approximate location data solely to confirm whether our services are available in your area.
• Application Usage Data
Information about installed non-system apps, update history, and app version details may be reviewed to help strengthen credit evaluation and improve service accuracy.
Such as your full name, gender, phone number, government-issued identification details, income, and residential address. This is required to verify your identity and evaluate financial eligibility.
• Device and Technical Data
Includes device model, operating system, unique device identifiers, network status, and connectivity details. We use this to maintain security and ensure the App functions properly on your device.
• Approximate Location
We may access approximate location data solely to confirm whether our services are available in your area.
• Application Usage Data
Information about installed non-system apps, update history, and app version details may be reviewed to help strengthen credit evaluation and improve service accuracy.
4. How We Use Your Information
We process collected data only for legitimate business purposes, including but not limited to:
- Verifying identity and preventing fraud
- Creating and maintaining your user account
- Sending important notices and service-related communications
- Meeting legal and regulatory obligations (e.g., KYC and AML compliance)
- Providing support and resolving issues
- Enhancing product performance and developing new features
- Creating and maintaining your user account
- Sending important notices and service-related communications
- Meeting legal and regulatory obligations (e.g., KYC and AML compliance)
- Providing support and resolving issues
- Enhancing product performance and developing new features
5. Data Retention
We keep your personal data only for as long as necessary to provide services or to meet legal and regulatory requirements.
- You may request account or data deletion at any time.
- Certain records may still need to be retained to resolve disputes, complete audits, or comply with the law.
- Non-identifiable, aggregated data may be stored indefinitely for research, analytics, or service improvement.
- Certain records may still need to be retained to resolve disputes, complete audits, or comply with the law.
- Non-identifiable, aggregated data may be stored indefinitely for research, analytics, or service improvement.
6. Data Security
We use layered security protections such as encryption, limited access controls, and continuous monitoring to reduce risks of unauthorized access. While no system can guarantee complete security, we are committed to regularly improving our safeguards in line with industry standards.7. Updates to This Policy
We may revise this Privacy Policy as laws, technology, or our services evolve.
- Significant changes will be communicated through the App or by email.
- Continued use of the App after updates indicates your acceptance of the revised Policy.
- Continued use of the App after updates indicates your acceptance of the revised Policy.
8. Contact Information
If you have questions or concerns regarding this Privacy Policy or the way your information is handled, please contact us at: 📧 support@navi-credit.comBy using the App, you confirm that you have read and understood this Privacy Policy and agree to the collection and use of your data as outlined above.