Credit Path (“we”, “our”, or “us”) is committed to respecting and protecting your privacy. This Privacy Policy describes how personal information is handled when you access or use the Credit Path mobile application and its related features.
By downloading, installing, or using the app, you confirm that you have reviewed and accepted the terms described in this Privacy Policy.
We collect and process personal information only when it is genuinely required to operate the app and provide related services. Our data practices are guided by necessity, relevance, and compliance.
Information may be collected to:
Determine whether users qualify for financial or credit-related services
Analyze risk and support responsible decision-making
Verify identity and fulfill KYC obligations
Identify and prevent fraud, abuse, or unauthorized access
Maintain technical reliability and platform security
Meet applicable legal and regulatory requirements
Information unrelated to these purposes is not collected.
Scope
With your permission, the app may review SMS messages related to financial activity received within the previous six months, such as banking alerts, income notifications, or repayment reminders. Personal or non-financial messages are excluded.
Use
This data supports eligibility checks, income pattern analysis, and fraud prevention.
Handling
SMS data is encrypted during transmission
Securely sent to: https://api.creditpath.net
Permanently removed once evaluation is complete
Scope
We may access limited technical identifiers of installed applications, such as package names or app classifications. Application content, credentials, and user activity within those apps are never accessed.
Use
Used to strengthen risk analysis, device integrity checks, and fraud detection.
Handling
Encrypted before transmission
Not shared with unrelated third parties
Securely sent to: https://api.creditpath.net
Permanently removed once evaluation is complete
Scope
Device model and operating system
System identifiers
Language and display configuration
Network connectivity status
Use
This information helps ensure system compatibility, protect accounts, detect abnormal behavior, and prevent duplicate or unauthorized registrations.
Handling
Securely transmitted and stored in encrypted form
Not shared with unauthorized parties
Securely sent to: https://api.creditpath.net
Permanently removed once evaluation is complete
Scope
Camera or media access is requested only when you voluntarily upload identity documents, selfies, or address verification materials.
Use
Used strictly for identity verification, regulatory compliance, and fraud prevention.
Handling
Files are encrypted and securely transmitted
Securely sent to: https://api.creditpath.net
Permanently removed once evaluation is complete
Scope
Anonymous technical data such as feature interactions, navigation flow, session length, and general usage patterns.
Use
To improve stability, enhance usability, and detect suspicious activity.
Handling
Encrypted during transmission
Securely sent to: https://api.creditpath.net
Permanently removed once evaluation is complete
Collected data is used only to:
Evaluate service eligibility
Complete identity and compliance checks
Protect the platform from fraud or misuse
Improve performance and reliability
Deliver service-related notifications when applicable
Information is retained only for the duration necessary to complete its intended purpose or to comply with legal obligations.
Evaluation data is removed once processing ends
Account data is deleted after obligations are fulfilled or accounts become inactive
Certain records may be retained where required by law or regulatory authorities
Users may request deletion of their personal data through supported channels.
We use recognized security measures, including encryption, secure communication protocols, internal access restrictions, and monitoring systems to protect information against unauthorized access or misuse.
We do not sell, rent, or trade personal data.
Information may be disclosed only when necessary to:
Authorized partners involved in service delivery
Government or regulatory bodies as required by law
Technical service providers bound by confidentiality and data protection obligations
You have the right to:
Access personal information held about you
Request corrections or deletion
Withdraw permissions previously granted
Report concerns regarding data handling
Requests may require identity verification and are subject to applicable laws.
For questions, concerns, or requests related to this Privacy Policy or your personal data, please contact:
info@mljfincon.com