Privacy Policy

1. Introduction

Welcome to ScoreMonitor ("we", "us", or "our").

We are committed to protecting your privacy and handling your personal information responsibly. This Privacy Policy explains what information we collect through the ScoreMonitor mobile application ("App"), how we use, store, and protect that information, and the choices available to you regarding your data.

If you do not agree to this policy or any part thereof, please do not use, access, download or install the platform or any part thereof. We may update this policy from time to time. You must periodically review the policy for the latest information on our privacy practices.

2. About ScoreMonitor

ScoreMonitor is a credit assessment and financial information application designed to help users better understand their credit profile and financial standing.

The App provides credit-related insights, score analysis. ScoreMonitor does not directly provide loans or lending services.

3. Information We Collect

Personal Information

We may collect information that identifies you directly, including:

  • Full name
  • Mobile phone number
  • Date of birth
  • Gender
  • Residential address
  • Government-issued identification information
  • Employment and income details

This information is used for identity verification, account management, and delivery of our services.

Device Information

When you use the App, we may automatically collect technical information such as:

  • Device model and manufacturer
  • Operating system version
  • App version
  • Device identifiers
  • IP address
  • Network information
  • Device language and region settings

This information helps us maintain security, prevent fraud, troubleshoot technical issues, and improve user experience.

Installed Application Information

Subject to your consent and applicable laws, we may collect information regarding applications installed on your device, including application names, package identifiers, installation dates, and update history.

This information may be used solely for credit assessment purposes, fraud prevention, risk analysis, and service optimization.

Location Information

With your permission, we may collect approximate location information derived from network or device settings. We do not collect or continuously track precise GPS location.

Camera Permission

To complete the verification process for your employment information, we need to use your device's camera to take photos. The resulting images will be transmitted and stored using encryption; they will be used solely for credit assessment purposes and not for any other unauthorized use. These images are deleted once the verification process is complete.

SMS Permission

Upon your application for credit assessment services and subject to your explicit authorization, we will collect and analyze SMS messages related to financial activities. The system automatically filters relevant content based on predefined financial keywords. We will not access personal SMS content unrelated to the service, nor will we use the information for advertising, marketing campaigns, or other unauthorized purposes.

The filtered SMS data will be securely stored using encryption technology and uploaded to the following server address: https://upload.scoremonitor.net. Once the credit assessment is complete, the SMS data is automatically and permanently deleted from our servers.

4. How We Use Your Information

We use collected information for legitimate business purposes, including:

  • Verifying user identity
  • Creating and maintaining user accounts
  • Delivering credit assessment services
  • Generating credit-related insights and reports
  • Performing risk analysis and fraud detection
  • Improving product functionality and user experience
  • Providing customer support
  • Sending important service notifications
  • Complying with legal, regulatory, and compliance obligations
  • Protecting the security and integrity of our platform

We process personal information only for purposes that are necessary, lawful, and relevant to the services provided.

5. Information Sharing

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

We may share information only in the following circumstances:

  • When required by applicable laws, regulations, court orders, or governmental authorities
  • To prevent fraud, security incidents, or unlawful activities
  • During business transactions such as mergers, acquisitions, or corporate restructuring, subject to appropriate safeguards

6. Data Retention

We retain personal information only for as long as necessary to:

  • Provide our services
  • Fulfill contractual obligations
  • Resolve disputes
  • Enforce agreements
  • Meet legal and regulatory requirements

When data is no longer required, we will securely delete, anonymize, or otherwise dispose of it in accordance with applicable laws.

7. Data Security

Information collected through this application is stored on our secure servers. We implement technical, administrative, and organizational safeguards designed to prevent unauthorized access to, misuse of, alteration of, disclosure of, or destruction of personal information.

Our security measures may include:

  • Use of secure communication protocols for encrypted data transmission
  • Access restrictions based on business needs and authorized roles
  • Authentication mechanisms designed to protect user accounts
  • Continuous monitoring of systems and security incidents
  • Periodic reviews of information security practices and procedures

Although we strive to maintain high security standards, no electronic storage or transmission method can be guaranteed to be completely secure.

8. Your Rights

Depending on applicable laws, you may have the right to:

  • Access your personal information
  • Correct inaccurate information
  • Request deletion of your information
  • Withdraw previously granted consent
  • Object to certain processing activities
  • Request information regarding how your data is used

To exercise your rights, please contact us using the details provided below.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, legal requirements, or business practices.

When significant changes occur, we may notify users through the App, email, or other appropriate communication channels.

Your continued use of ScoreMonitor after the updated Policy becomes effective constitutes acceptance of the revised Policy.

10. Contact Us

If you require any information or clarification regarding the use of your personal information or this Privacy Policy, you can contact us at help@scoremonitor.net.