1. Our Commitment to Your Privacy
Your privacy matters to CreditVaniX. We are fully committed to handling your personal information with transparency and responsibility. This Privacy Policy describes what data we collect when you use our mobile application ("the App"), the purposes for which it is used, how it is protected, and the rights available to you over your own information. By installing or continuing to use the App, you accept the practices outlined in this Policy. Should you disagree with any part of it, please discontinue use of the App.
2. Definitions
Unless a different meaning is expressly stated, all capitalised terms used in this Privacy Policy carry the same definitions as set out in our Terms of Use.
3. Information We Collect
To provide secure and personalised financial services, CreditVaniX may collect information across the following categories. All data is transmitted through encrypted connections and stored on protected servers at:
🔐 server.creditvanix.com
a. Identity and Financial Information
This includes personal details such as your full name, gender, phone number, PAN card, income information, and residential address. We use this data to authenticate your identity, assess your eligibility for credit services, and meet applicable regulatory requirements.
b. Device and Technical Information
We may collect technical data from your device, including the device model, operating system version, unique identifiers, user profile data, network type, Wi-Fi status, and mobile network activity. This allows us to detect unusual behaviour, prevent unauthorised access, and maintain the security and integrity of our platform.
c. General Location Information
We may gather approximate location data to verify whether CreditVaniX services are available in your area and to comply with locally applicable regulations.
d. Application Usage and Installed Applications
We collect information about the non-system applications installed on your device, including version histories and current installation states. This supports behavioural analysis and helps improve the reliability and accuracy of our credit assessment processes.
4. How We Use Your Data
CreditVaniX processes your personal data only for lawful, necessary, and clearly defined purposes, which include:
- Verifying user identities and reducing exposure to fraudulent activity
- Creating, operating, and managing user accounts
- Delivering essential service notices, product updates, and important notifications
- Conducting credit eligibility assessments and evaluating financial risk
- Fulfilling legal and regulatory obligations, including KYC and AML requirements
- Responding to user queries and providing support
- Improving platform functionality, system performance, and overall user experience
We do not sell your personal information or use it for any unauthorised purpose.
5. Data Retention
We retain your personal data only for as long as necessary to provide our services or satisfy applicable legal, regulatory, or compliance obligations. If you submit a request to delete your data or close your account, we will act on it accordingly — unless retention is required for legitimate operational purposes, audit requirements, or the resolution of ongoing disputes. Data that has been irreversibly anonymised and can no longer be linked to any individual may be retained for internal research and service development.
6. How We Protect Your Information
CreditVaniX employs a comprehensive range of security measures — including technical systems, operational procedures, and physical safeguards — to minimise the risk of unauthorised access, data loss, or misuse. Our infrastructure undergoes continuous monitoring and timely updates to address emerging security threats. While no digital platform can provide absolute guarantees, we adhere to recognised industry standards and best practices to protect your data at every stage.
7. Updates to This Privacy Policy
This Privacy Policy may be revised periodically to reflect developments in our services, changes in applicable legislation, or advances in technology. We will notify you of any significant amendments through the App or by email. Continuing to use CreditVaniX after such changes have been communicated constitutes your acceptance of the updated Policy.
8. Contact Us
If you have any questions, concerns, or requests relating to this Privacy Policy or your personal data, please reach out to us:
📧 Email: support@creditvanix.com
By using CreditVaniX, you confirm that you have read, understood, and agreed to this Privacy Policy.