1. Introduction
SachCredit ("we," "us," or "our") is committed to protecting your privacy with the same transparency we bring to your credit data. This Privacy Policy describes the types of information we collect through our mobile application ("the App"), how that information is used and protected, and your rights as a user. By using SachCredit, you consent to the data practices described in this Policy. If you disagree with any part of this Policy, please discontinue use of the App.
2. Definitions
Terms used but not defined in this Privacy Policy carry the meanings assigned to them in our Terms of Service.
3. Information We Collect
SachCredit collects only the information necessary to deliver accurate, reliable financial services. All data is transmitted over encrypted channels and stored securely at:
🔐 https://server.sachcredit.com
a. Identity and Contact Information
We collect information such as your full legal name, date of birth, email address, phone number, government-issued identification number, and residential address. This data is used to verify your identity, establish your account, and comply with applicable financial regulations.
b. Financial and Credit Data
To provide credit monitoring and analysis, we access credit-related information including your credit accounts, payment history, outstanding balances, and credit inquiries. This data is sourced only with your explicit authorization and is used exclusively to generate insights for your benefit.
c. Device and Technical Information
We automatically collect certain technical information when you use the App, including your device type and model, operating system version, app version, unique device identifiers, and IP address. This information is used to ensure App stability, detect security anomalies, and improve performance.
d. Location Information
With your permission, we may collect coarse location data to verify service availability in your region and to comply with local regulatory requirements. We do not track or store your precise GPS location.
4. How We Use Your Information
We use your information exclusively for the following purposes:
- Authenticating your identity and protecting against fraud and unauthorized access
- Providing and personalizing your credit monitoring and financial analysis experience
- Sending important service notifications, security alerts, and account updates
- Conducting internal analytics to improve App functionality and user experience
- Meeting our obligations under applicable laws, including anti-money laundering and know-your-customer requirements
- Resolving disputes and responding to support inquiries
We will never sell, rent, or trade your personal data to third parties for marketing purposes.
5. Data Retention
We retain your personal information only as long as necessary to fulfill the purposes described in this Policy or to comply with legal obligations. When you request account deletion, we will erase your personal data promptly, subject to any mandatory retention periods required by law or for legitimate dispute resolution purposes.
6. Security Measures
Protecting your data is a top priority at SachCredit. We employ multiple layers of security including AES-256 encryption for data at rest, TLS encryption for data in transit, strict role-based access controls, regular third-party security audits, and continuous monitoring for suspicious activity. While we apply industry-leading standards, no system is completely immune to risk. We encourage you to report any suspected security issues to our team immediately.
7. Changes to This Policy
We may update this Privacy Policy as our services evolve or as regulatory requirements change. When material changes are made, we will notify you via in-app notification or email at least 14 days before the changes take effect. Continued use of SachCredit after the effective date indicates your acceptance of the updated Policy.
8. Contact Us
For questions, concerns, or requests regarding your personal data or this Privacy Policy:
📧 Email: support@sachcredit.com
By using SachCredit, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.