Welcome to ScoreSail.
At ScoreSail, we highly value and protect your privacy. This Privacy Policy explains how we legally and reasonably collect, use, store, and protect your information when you use our online credit assessment service.
1. Information We Collect
To provide you with secure, compliant, and personalized credit assessment services, ScoreSail may collect and process the following types of information with your authorization. All data is transmitted encrypted and protected using reasonable technical and administrative measures.
1.1 Personal Information
This includes your full name, gender, phone number, education, PAN card information, and income information.
We use this information to verify your identity, meet regulatory requirements, and assess your eligibility for our credit services.
1.2 Device Information
We may collect information such as device model, operating system version, unique device identifier, network status, and Wi-Fi connection details.
This information helps us ensure your device environment is secure, stable, and compatible with our services.
1.3 Approximate Location
With your permission, we may obtain your approximate location information solely to determine service availability in your region and to comply with applicable laws and regulations. We do not collect or store precise location information.
1.4 List of Installed Apps
With your explicit authorization, ScoreSail may conduct limited analysis of installed app information related to financial or credit services to improve credit assessment models and risk control capabilities.
We do not access, read, or store the specific content of any app, nor will we use it for purposes unrelated to credit assessment.
1.5 SMS Messages
To enhance risk identification and improve credit assessment, with your authorization, we may extract SMS data related to financial transactions and credit (such as bank notifications, bill reminders, etc.) as needed. Please note that we do not automatically read all SMS content; we will only do so with your explicit authorization. The information obtained will be encrypted and uploaded to our servers for storage. We take user data privacy and security very seriously and take strict measures to ensure that this information is not misused or leaked. You can manage or revoke this permission authorization at any time in the application settings.
1.6 Camera Permission
During the credit scoring assessment process, users can choose to upload a photo of their ID card. This information is used solely for user authentication and risk control purposes and will not be used for any other purpose, nor will it be sold, rented, or shared with any unauthorized third party.
2. How We Use Your Information
ScoreSail processes your personal information solely for the purpose of providing secure and reliable services and complying with applicable laws and regulations. Your information may be used to:
• Verify your identity and prevent fraud or unauthorized activities;
• Send important notifications, updates, and account-related information;
• Assess your creditworthiness and financial eligibility;
• Comply with applicable laws and other regulatory obligations;
• Respond to user inquiries and provide customer support;
• Improve the performance, functionality, and personalized user experience of the application.
We will not sell, rent, or trade your personal information to third parties.
3. Data Security
ScoreSail implements appropriate technical, administrative, and physical security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction.
We regularly monitor and update our systems to address evolving security risks. While no digital system can guarantee absolute security, we are committed to applying industry-standard security measures to protect user data.
4. Your Rights
Subject to applicable laws and regulations, you have the right to:
• Access and obtain a copy of your personal information;
• Request correction of inaccurate or incomplete personal information;
• Request deletion of your personal information, where legally permitted;
• Request restriction of processing under certain circumstances;
• Request data portability, where applicable.
To exercise any of these rights, you may contact us using the details provided in the “Contact Us” section. We may take reasonable steps to verify your identity before responding to such requests, in accordance with legal requirements.
5. Privacy Policy Updates
We may update this Privacy Policy from time to time to reflect changes in our services, legal requirements, or data protection practices.
In the event of significant changes, we will notify you through in-app notifications or other appropriate communication channels. By continuing to use this application after such updates, you agree to the revised policy.
Using ScoreSail indicates that you have read, understood, and agree to this Privacy Policy.
6. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data processing practices, please contact us via:
Email: care@scoresail.com