Privacy Policy — HisaabCreditPro

01Who We Are and What This Policy Covers

The HisaabCreditPro application — called "this Application" or "the platform" below — is developed and run by Rel Tech Solutions, and everything you do inside it is governed by the Privacy Policy that follows.

Your privacy is a duty we accept, not a formality. At every point where information about you is gathered, used or safeguarded, we act within the laws that bind us. We follow India's Personal Data Protection Act together with any other statute that applies, and we draw on information-security frameworks recognised internationally so that your data stays safe and your privacy rights stay whole. Please read this policy closely before you begin using the Application, so that you know precisely how your information is treated.

This document is complete and plain-spoken: it explains the lawful ways your personal information is gathered, used, stored, shared and transferred while HisaabCreditPro and its related services are provided, and the technical and organisational safeguards that sit around it. Any term that needs explaining is explained the first time it appears.

By finishing registration you confirm that you have read this policy through, understood it, and agree that we may gather and use your personal information as described here and as the law requires. Before you hand over anything sensitive, take a moment to decide whether the purposes and methods below suit you. Sensitive information is gathered and used only after you have given clear, informed consent, and that consent is what lets the HisaabCreditPro services run as intended. You may withhold sensitive information, though certain features will then remain out of reach. If any part of this policy is unclear, or you do not accept it, please stop using our products and services at once and put your questions to our customer support team.

The Application and the services attached to it are meant for people aged 18 and above only; anyone younger must stop using HisaabCreditPro services straight away. Section 10 covers this in more detail.

This policy reaches the Application itself. Websites, products and services run by other companies, which you may open from inside the Application, are outside its scope.

02Account Details You Give Us

Within India's laws and regulations, and only for the purposes described here, we gather and use personal information under the principles of lawfulness, fairness and necessity. That covers what you provide yourself while using HisaabCreditPro services, what is produced as you interact with them, and what is lawfully obtained from third parties. Nothing is gathered or used before you give clear consent. Unless the law allows otherwise, or the significant legitimate interests of you or another person need protecting, no information is collected without your authorisation, and nothing prohibited by law is collected at all.

2.1 Registration and login

Opening an account in the HisaabCreditPro application, and reaching the services attached to it, requires just one piece of registration information: your mobile phone number. That number is the backbone of identity verification, account creation and login authentication, and it is central to keeping your account secure, confirming who you are, and keeping the service running without interruption. We stay bound by every law and regulation that applies, and suitable technical and organisational controls sit around your phone number. Nothing beyond what you choose to share is collected. If you decline to supply the number, or verification fails, registration and login cannot go ahead and certain features stay closed. Whenever you need a hand, HisaabCreditPro customer support is glad to help.

2.2 Identity information

Using HisaabCreditPro services calls for accurate, valid identity information. It supports the risk evaluation and eligibility review carried out by the financial institutions we partner with, and it may cover: full name, gender, date of birth, the type and number of your identification document, a photograph of that document, biometric data, educational background, marital status, religious affiliation, the name and phone number of an emergency contact, your relationship to that person, occupation, employer details, monthly income and bank account details, among other items.

Identity verification may be carried out on our behalf by suitably qualified third parties. Where the law permits, information may also be cross-referenced against national databases, or against financial institutions legally authorised to hold such records. What is gathered goes towards identity authentication, risk assessment, service matching and the security of transactions between users and the platform. We gather and use your information only as far as performing the contract or delivering the service requires, only with your clear consent, and always under strict technical and organisational controls. Withholding identity information may narrow your access to certain loan-matching features, but it will not stop you browsing the core content of the platform.

03Information Read From Your Device

So that the platform runs steadily, transaction environments stay secure, service quality keeps rising, and risk control and anti-fraud work are strengthened, the categories of information below may be read while you use the HisaabCreditPro application and its related services. Each one is tied to a specific function, and each request is made through the standard Android permission dialog.

Device information

For platform security, device identification and risk management, certain device-related data may be gathered to support identity verification, risk evaluation and anti-fraud analysis, which makes credit services both safer and more accurate. What may be gathered: device name, model and brand, operating system and version, screen dimensions, memory details, Android ID, IP address, Google Advertising ID (the Google advertising identifier), language settings, carrier name, network access method, battery status and similar data. Withholding device information leaves core platform functions untouched, though it lowers the precision of our risk-level assessments, which may in turn shape service recommendations and evaluation outcomes.

Camera CAMERA Optional

To keep identity verification secure and compliant, access to your device camera may be requested when you use the identity verification feature, so that you can photograph your ID document (KTP). That lets us confirm your identity information is genuine and consistent, guard against identity fraud, and keep the verification process sound. Images captured this way serve identity verification and nothing else, are stored at https://hisaab53.com and are protected with encryption. Without your authorisation they are put to no other use and shared with nobody. Refusing camera access may cause verification to fail, which could close off related services.

Photos from your gallery READ_MEDIA_IMAGES Optional

As an alternative during identity verification, a photo of your ID document (KTP) may be uploaded straight from your device gallery. No other type of image is requested or retained. Photos gathered this way serve identity verification and nothing else, are stored at https://hisaab53.com and are protected with encryption. Without your authorisation they are put to no other use and disclosed to nobody.

Approximate location ACCESS_COARSE_LOCATION Optional

To support account security verification, carry out risk assessments and meet the regulatory requirements that apply, approximate location data may be gathered from your device while you use the HisaabCreditPro application. Location data helps us notice unusual account activity — logins from places that shift too quickly to be plausible, or loan applications submitted from several regions — so that risk controls can be triggered promptly, fraudulent conduct stopped, and the security of your account and transactions preserved. What is gathered is limited to latitude and longitude coordinates. It serves risk control and compliance and is never applied to advertising or marketing. Refusing this permission leaves basic platform functions working, but it narrows our ability to spot risk, which may affect the precision of loan matching and risk evaluation.

Installed application list QUERY_ALL_PACKAGES

To sharpen risk management and hold service compliance and security in place, the list of applications installed on your device may be gathered, always with your clear authorisation. Reviewing that list lets us spot potentially high-risk behaviour — involvement with gambling platforms or virtual currency trading, for example — and adjust risk models and control strategies accordingly. What may be gathered: application name, package name, installation and update timestamps, version number, and whether an application is a system app, among other attributes. Everything gathered is sent securely to an encrypted storage facility at https://hisaab53.com and protected with appropriate encryption. Without your authorisation it is put to no other use and disclosed to nobody. Refusing this permission leaves core platform functions untouched, though it may lower the accuracy of personalised recommendations and risk evaluations.

Notifications POST_NOTIFICATIONS Optional

So that word reaches you promptly on matters that count — the progress of a loan application, revisions to policy, risk alerts — your authorisation to send notifications is required. Once granted, those messages arrive without delay, keeping you informed about your loans and helping you hold your account secure. Refuse, and certain important notifications may pass you by, though applying for and using services remains unaffected. Notifications carry service-related information only, and this permission is never used to gather your personal data, so your privacy stays protected throughout.

All of the above is gathered for three ends and no others: weighing your creditworthiness, verifying your identity, and keeping your account secure. You will be told plainly what type of information is needed before any of it is gathered, and gathering begins only once your clear consent has been received. Without that consent, nothing is gathered, shared or transferred to any third party. We are committed to enforcing robust security measures that give your personal information the strongest protection we can provide, and guard it against unauthorised access, disclosure or misuse.

04Why the Information Is Processed

4.1 The rules we work to

Your personal information is handled on the principles of lawfulness, fairness and necessity. The governing rules are these:

Your information is used only within the scope this policy describes, and only to deliver services to you. Should we ever need it for a purpose this policy does not cover, your clear consent will be sought first, as the applicable laws, regulations and standards require.
Your information is gathered and used to the minimum extent our business functions require, avoiding excessive processing and holding firmly to the principle of data minimisation.
To raise data security and improve service quality, personal information we have gathered may be de-identified or anonymised so that it no longer points to any identifiable person. You agree that data processed in that way may be used for analysis, statistics and product optimisation, and that it may be shared with third parties or published as aggregated statistics carrying nothing that could identify you.
Should a question or concern arise about how your personal information is used or processed, you may contact us at any time through section 12. If you are harmed as a direct result of our breaching an applicable law or regulation, we will bear the legal responsibility that follows.

4.2 Situations where consent is not required

Under India's Personal Data Protection Act and the regulations attached to it, there are particular circumstances in which your personal information may be gathered and used without prior consent:

to meet an obligation the law imposes;
in matters bearing directly on national security or defence;
in connection with public safety, public health or a significant public interest;
in support of law enforcement, including criminal investigation, prosecution, judicial proceedings and the enforcement of judgments;
to protect the life, property or other major legitimate rights and interests of you or of another person, above all in urgent situations where consent cannot be obtained in time;
to perform or execute a contract at your request as a party to it;
to keep our products and services running safely and steadily — detecting and repairing security weaknesses, product faults or service disruptions, for instance;
in any other circumstance prescribed by applicable laws, regulations or government directives.

In each of the situations above, your personal information is used strictly as far as necessary and no further, in proportion to the purpose, with measures kept in place throughout to uphold information security and regulatory compliance.

05When Information Is Shared

5.1 Disclosure required by law

You acknowledge and agree that in the circumstances below, your personal information may lawfully be disclosed to government authorities, courts or other bodies holding jurisdiction, without your prior consent being required:

where an applicable law or regulation requires disclosure;
to prevent or halt fraudulent, unauthorised or unlawful transaction activity;
to investigate confirmed or reasonably suspected fraud.

In respect of any such disclosure, you expressly waive every legal claim, demand or liability action against us.

5.2 Sharing that service delivery requires

So far as delivering services to you requires it, your personal information may be shared with third parties, service providers among them. Where a third party asks for information of its own accord and no legal obligation compels us to answer, we may, at our reasonable discretion, provide it once your clear consent has been obtained.

Bear in mind that this policy governs the HisaabCreditPro platform alone and does not reach independent third-party service providers. You acknowledge that such parties may work to data-handling policies of their own, and we encourage you to read those policies. HisaabCreditPro carries no responsibility for losses arising from third-party data processing, and you agree to waive any claim or legal liability against HisaabCreditPro that might otherwise follow.

5.3 Processing across borders

You acknowledge and agree that HisaabCreditPro may transfer, store and process your personal information within India or in other countries and regions holding lawful data protection frameworks, on the condition that every such activity remains fully subject to India's Personal Data Protection Act and its associated regulations.

5.4 Sharing anonymised data

De-sensitisation or de-identification techniques may be applied to your personal information so that it can no longer be tied to any particular person — a process usually called "anonymisation". Information treated in that way may be used for product improvement, service analysis and platform operations, and may be shared with partners, research organisations or other third parties, provided it holds nothing capable of identifying you.

5.5 Authorisation for credit data sharing

So that user credit evaluation systems can be built and steadily improved, you expressly agree and authorise HisaabCreditPro to lawfully gather, query, verify and furnish information about your credit standing to third-party credit information agencies, for use in loan application review, risk assessment and other legitimate service-related purposes.

Under no circumstances do we sell, lend or rent your personal information to any third party.

06Storage and Security

We recognise fully what the security of your personal information means, and we treat it as a standing priority for the organisation. Holding strictly to India's Personal Data Protection Act and its related regulations, we apply proven, reliable and proportionate technical and administrative measures to protect your information as far as is practicable, in line with the standards prevailing across the industry.

The measures we take include, but are not limited to:

Encryption and isolation of data. Everything gathered is sent securely to an encrypted storage facility at https://hisaab53.com, protected with encryption, and separated physically or logically from general data so that unauthorised access or disclosure is prevented.
Access control. Your personal information can be reached only by authorised personnel working within their assigned permission levels, and those access rights are reviewed and audited on a regular basis.
Security audit and risk management. Security assessments, vulnerability scans and log reviews are carried out periodically, so that potential risks are found and dealt with before harm can follow.

For all the layers of security we maintain, please understand that no system running over any network can be promised to be entirely beyond threat. Should a security incident occur — a data breach, an unauthorised modification or a loss of data — our emergency response procedures are activated at once, you are notified at the earliest opportunity, the relevant regulatory authorities are informed as the law requires, and we help you put appropriate measures in place to keep the resulting risk as small as possible.

07Your Rights and Controls

Your ability to exercise real control over your personal information is something we respect and actively uphold. Under the laws and regulations that apply in India, you hold the right to access, correct and erase your information, to withdraw consent, and to close your account. We are committed to giving you clear, straightforward ways to exercise those rights and to keep genuine control of your data.

7.1 Deleting your information and account

Should you wish to remove your personal information and account data and stop using our services, these routes are open to you:

Open the app and delete your account-related data directly through the "My" → "Delete Data" feature;
or send an account deletion request by email to rahulsingh739910@gmail.com. We will verify your identity and complete the request within 30 working days.

Once your account has been deleted, services cease to be provided to you, and the information tied to the account is lawfully erased or anonymised.

7.2 Withdrawing permissions

Where you have previously granted access to particular device permissions — the camera or approximate location, for example — that access may be withdrawn at any time through your device's system settings. Do be aware, though, that withdrawing certain permissions may leave some features unavailable or working incorrectly.

7.3 Opting out of collection entirely

Should you wish to stop us gathering your information altogether, you may uninstall this application at any time, by either of these routes:

the uninstall function built into your device's operating system;
the app store or marketplace you originally downloaded the application from.

Once it has been uninstalled, we stop gathering any of your information and discontinue every related service.

08Third-Party Services

With the aim of steadily improving this application's performance and the experience of using it, aggregated and anonymised data may from time to time be transmitted to external service providers. All such data has been anonymised and holds nothing capable of identifying you as an individual; it serves service analysis and optimisation and nothing else.

Third-party services built into this application may handle relevant data according to privacy policies of their own. We encourage you to read the policies of the providers below to understand how they gather and use data:

Those providers may disclose information you have given, or that has been gathered automatically, in the following circumstances:

to meet a legal requirement — compliance with a court order or another applicable legal process, for instance;
to protect a legitimate interest, including but not limited to defending their own rights, keeping users or other people safe, investigating fraudulent conduct, or answering a lawful request from a government authority;
when engaging trusted third-party processors to perform specific functions — partners granted data access to carry out defined tasks, who are bound by the confidentiality and data protection obligations this policy sets out.

09Cookies and Local Storage

To make browsing smoother, we may use Cookies — Flash Cookies and other local storage technologies among them — to recognise you, spare you repeated logins and support account security verification.

You acknowledge and agree that changing your Cookie settings, or blocking or removing Cookies, may interfere with the normal working of our website or application and may affect both the availability and the security of certain services.

10Users Under 18

Protecting the personal information of minors is something we take very seriously. As the applicable laws and regulations require, HisaabCreditPro services are open only to users who have completed real-name registration and are at least 18 years old. Anyone under 18 may not register or access the related services, though limited browsing functions that call for no registration may remain available.

We have no intention of gathering personal information from minors. If you are the legal guardian of a minor and learn that we hold their information, please write to us promptly at rahulsingh739910@gmail.com and the data will be deleted straight away.

11Changes to This Policy

This Privacy Policy, along with related material such as service terms, disclaimers and feature descriptions, may be revised from time to time. We reserve the right to amend it whenever needed, and we suggest you look back at it regularly so that updates do not pass you by.

Where a change is material, you will be told prominently — either on the website homepage or inside the application itself. Carrying on with our services after such an update is taken as confirmation that you have read, understood and accepted the revised terms.

12Reaching Us

Should you have a question about how personal information is gathered, used, stored or shared in connection with HisaabCreditPro services, or a comment or suggestion about this Privacy Policy, please use the details below. We will answer as promptly as we can.

Application HisaabCreditPro

Customer service email rahulsingh739910@gmail.com