This Privacy Policy explains how Udhaar Score (“the App”, “we”, “our”) collects, processes, and safeguards user information. By accessing or using the App, you agree to the terms described in this policy.
We are committed to collecting only the minimum data necessary to deliver credit evaluation services and to ensure platform security.
Why we collect it
We only collect financial-related text messages from the past six months, such as bank alerts, payment reminders, and transaction confirmations, which helps us understand credit-related activities.
How it is handled
Only SMS messages related to financial activity are accessed
Personal, private, or non-financial messages are excluded
Relevant data is securely transmitted to https://api.udhaarscore.com/
All SMS data is erased once analysis is completed
Why we collect it
To recognize apps installed on your device and evaluate financial behavior patterns.
How it is handled
We may collect limited information about the applications installed on your device, including application names and package identifiers. We do not view or obtain any app content, login details, or records of how the apps are used.
Data is sent securely to https://api.udhaarscore.com/
All information is deleted after processing
Why we collect it
To confirm device legitimacy, prevent misuse, and maintain system integrity.
Information may include
Device type and model
Operating system and version
Unique device identifiers
Network-related attributes
How it is handled
Data is securely uploaded to https://api.udhaarscore.com/
All device data is removed after security verification
Why we collect it
Only used when you voluntarily take photos for identity or verification purposes.
How it is handled
Camera access occurs only after your explicit action
Captured images are uploaded to https://api.udhaarscore.com/
All images are deleted immediately after verification
Why we collect it
To allow you to upload required images or documents for verification.
How it is handled
Access is limited strictly to files you choose
Files are transmitted to https://api.udhaarscore.com/
Uploaded files are deleted after use
Why we collect it
To analyze usage patterns and improve stability, performance, and user experience.
Examples include
User interactions and taps
Navigation paths
Time spent on different screens
How it is handled
Usage data is sent to https://api.udhaarscore.com/
All data is deleted after analysis
Collected information is used exclusively for:
Credit evaluation and eligibility assessment
Improving system accuracy and performance
We do not sell, trade, or disclose your information to unrelated third parties.
All data transmissions are encrypted
Information is retained only for the duration required to complete processing
Data is permanently deleted after use
Users may request deletion at any time
You have the right to:
Access your personal data
Request updates or corrections
Request deletion of your data
Withdraw previously granted consent
We apply appropriate technical and administrative safeguards to protect your data against unauthorized access, loss, or misuse.
This Privacy Policy may be revised periodically. Continued use of Udhaar Score after updates constitutes acceptance of the revised policy.
For inquiries, concerns, or data deletion requests, please contact:
📧 services@spgpfinancial.com