Privacy Policy

We collect your mobile number to establish a unique user identity (User ID) and to facilitate Multi-Factor Authentication (MFA). This is the primary key to secure your account and prevent unauthorized access.

To enhance account security, we require you to manually select two (2) trusted contacts from your address book. These contacts will only be reached in extreme scenarios where we detect critical security breaches, potential fraud, or are unable to establish contact with you directly.

Voluntary: You may choose to provide your email address. If provided, it is utilized for receiving calculation reports, account recovery links, and service updates.

Voluntary: With your permission, we collect coarse geo-location data (non-precise). This helps us verify that your usage complies with regional laws and allows us to recommend loan interest rates applicable to your specific state or city in India.

Voluntary: We request camera or gallery access only if you wish to upload documents or set a personalized profile avatar. This data is processed only when you actively initiate the feature.

We utilize unique identifiers (such as GAID, IMEI, or Android ID) to maintain session continuity, prevent account takeover fraud, and deliver personalized financial content relevant to your profile.

In the event of an application failure, we collect anonymous stack traces. These logs help our engineers diagnose code errors and improve app stability.

We scan the list of financial applications installed on your device. This "App Inventory" helps us assess your financial profile and creditworthiness, allowing us to recommend the most suitable loan comparison options.

Strictly for Verification: We request permission to access your call log to enable "Flash Call" verification. This system automatically detects an incoming verification call from our server to authenticate your number instantly, removing the need for manual OTP entry. We do not read your personal conversations.

To enhance account security and provide personalized service recommendations, we may request access to your App Usage Statistics (including app installation list, usage frequency, and last used timestamps).
Purpose: This data allows us to analyze usage patterns to detect abnormal behavior (fraud prevention) and to tailor financial product recommendations to your profile.
Authorization: This permission requires manual activation in your device settings. We will guide you to the appropriate page to enable it.
User Choice: Granting this permission is entirely optional. You can choose to decline it, and the core functions of the application will remain accessible.

To prevent fraud (such as the use of emulators or bot farms), we collect comprehensive hardware data, including:

• Storage Status: To ensure sufficient space for saving reports.
• Battery & Network: To optimize app performance based on power and connectivity levels.
• Hardware/RAM: To determine device capabilities.
• Bluetooth & Sensors: To verify the device is a physical phone and not a virtual environment.