1. Overview
Welcome to GeemCredit! Your privacy is important to us. This Privacy Policy explains how we collect, use, store, and share your personal information when you use our mobile app (“the App”).
By accessing or using GeemCredit, you consent to the practices outlined below. Please read this document carefully to understand your rights and how we protect your data.
2. Definitions
Unless otherwise stated, capitalized terms follow the definitions provided in our Terms of Use.
3. Data We Collect
To provide you with a safe, personalized experience, we collect certain information—always transmitted via secure HTTPS and stored on our protected servers at: https://server.geemcredit.com
Here’s the type of data we collect:
- Personal Information:
Includes your name, gender, phone number, PAN, income details, and home address. This data is
necessary to assess credit eligibility and confirm your identity.
- Device Information:
We gather details such as your smartphone model, operating system version, unique device ID, installed
user profiles, Wi-Fi status, and mobile network activity to verify device legitimacy and reduce the risk
of misuse.
- Location Details:
- We may access your approximate geographic location to confirm if GeemCredit services are available in
your area.
- Installed App List:
- We analyze non-system apps you’ve installed, your app update history, and software versions to help us
better understand user behavior and refine our credit analysis models.
4. How Your Data Is Used
We handle your information responsibly and only use it to deliver, improve, and maintain our services. Key uses include:
- Identity verification and fraud prevention
- Setting up and managing your GeemCredit account
- Sending alerts, updates, and important service communications
- Assessing your creditworthiness
- Complying with legal and regulatory requirements (e.g., KYC, AML)
- Providing responsive customer service
- Enhancing the functionality and personalization of our app
5. Data Retention
We keep your personal data only as long as necessary to fulfill the purposes outlined above, or as required by law.
If you request account deletion, we will erase your data unless we must retain it to meet legal obligations or resolve disputes. Non-personal, anonymized data may be stored for analytical and development purposes.
6. How We Keep Your Data Secure
We apply a multi-layered security strategy—technical, administrative, and physical—to protect your information.
Our systems are regularly updated and monitored to defend against unauthorized access, data leaks, and other threats. While no system can guarantee total security, we are deeply committed to safeguarding your data with industry-best practices.
7. Policy Changes
As our platform evolves, we may update this Privacy Policy. When major changes occur, we’ll notify you via the app or email.
We recommend checking this page periodically. Continued use of GeemCredit after updates means you agree to the revised terms.
8. Questions or Concerns?
We’re here to help. If you have questions about how your information is used or stored, reach out to us:
📧 Email: support@geemcredit.com
By using GeemCredit, you acknowledge and accept the data practices described in this policy.