Data Safety

Version: 2.0 | Effective Date: 22 July 2026

This page summarizes how Credgy handles data for Google Play-style Data Safety disclosures. Depending on the features you use, the app may process different categories of information.

1. Data Collected

• Account Data: Name, mobile number, and email (if provided).
• Verification Data (when required): PAN and date of birth for requested credit report import.
• Loan and Financial Data: Loan amount, outstanding balance, interest rate, EMI, tenure, payment history, and related loan details.
• Credit Report Data (on user request): Credit score, credit accounts, lender details, and credit enquiries.
• AI Conversation Data: Prompts and AI responses used in AI Financial Advisor features.
• Device and Diagnostic Data: App performance, device information, and error diagnostics.

2. Purpose of Collection

Data may be processed to:

• Authenticate users and protect accounts
• Provide loan management and analytics features
• Generate AI insights and recommendations requested by users
• Retrieve credit reports only after explicit user consent
• Maintain app reliability, prevent fraud, and improve security
• Comply with legal and regulatory obligations
• Provide customer support

3. Data Sharing

Credgy does not sell personal information. Data is shared only as needed to deliver requested services, including with cloud infrastructure, authentication, AI processing, payment, and credit report service providers.

Current providers may include:

• Amazon Web Services
• Firebase Authentication
• Bulkpe
• CRIF High Mark
• OpenAI and/or Amazon Bedrock
• Cloudflare
• Google Play Billing
• Apple App Store (future)

Additional providers may be added as services evolve.

4. Security Measures

• HTTPS and Encryption in Transit: Data sent between app and servers is protected in transit.
• Secure Cloud Infrastructure: Production systems run on managed cloud services with layered safeguards.
• Access Controls and Authentication: Access to systems and data is limited to authorized processes and personnel.
• Monitoring: Logging and monitoring are used to detect abuse, anomalies, and reliability issues.

No method of transmission or storage is completely secure.

5. User Controls

• Users can view and update eligible account information.
• Users can delete manually entered loans.
• Credit report import is optional and always user-initiated with explicit consent.
• Users can request account deletion and personal data deletion, subject to legal or operational requirements.

6. Data Deletion

Users can request account deletion and related personal data deletion through app controls and our data deletion process. Some records may be retained when required for legal, security, or operational reasons.

7. Contact

For data safety or security questions, contact: reach@credgy.com

Version History

• Version 2.0: Added Credgy Pro
• Added AI Financial Advisor
• Added Credit Report Import
• Updated Data Safety
• Updated Third-Party Services