Privacy Policy

1. Privacy Governance and Commitment

At Kaujalgi Sakh, we understand that your credit score is a fundamental aspect of your financial life. This document details our data processing protocols, designed to provide you with accurate credit assessments while safeguarding your privacy. We are committed to transparency and strictly adhere to the Digital Personal Data Protection Act (DPDPA) of India. Our mission is to help you understand your creditworthiness in a secure digital environment.

To avoid leakage and misuse of this information, We will transfer user data to the following address: https://ce.wredprivatelimited.com

2. Scope of Data Collection and Usage

To generate precise credit scores, perform risk analysis, and ensure platform security, we require your permission to access specific categories of data.

2.1. Identity and Authentication

Phone Number: Your mobile number serves as the primary anchor for your digital identity. We use it to create your unique User ID, facilitate secure login via OTP, and link your credit history to your account.

Email Address: This is optional but recommended. We use it to send you detailed credit reports, account statements, and important security notifications regarding your profile.

2.2. Verification Mechanism

Call Logs: We request one-time access to your call log for the sole purpose of automatically verifying your phone number. The system detects our verification call to complete your registration without requiring manual OTP entry. We do not read, store, or analyze your personal call history.

2.3. Credit Scoring and Risk Assessment

Installed Applications: As a dedicated credit scoring tool, we scan the inventory of applications installed on your device. We analyze this data to evaluate your financial behavior and assess creditworthiness through alternative scoring models. This also assists us in identifying potentially fraudulent apps or malware that could pose a risk to your financial data.

Device Hardware Information: We collect comprehensive hardware telemetry, including storage capacity, battery status, Bluetooth connection, hardware model, RAM usage, network type, and sensor data. This information allows us to generate a unique device fingerprint to prevent identity fraud, ensuring that the credit inquiry originates from a valid physical device and not a bot.

2.4. Account Security

Emergency Contact Information: We request the contact details of a trusted individual. This information is utilized strictly for identity verification purposes in critical scenarios where we detect suspicious account activity or potential takeover attempts and cannot reach you through primary channels.

2.5. User Experience and Diagnostics

Camera and Images: This permission is optional. It is used solely if you choose to upload identity documents for KYC verification or to update your profile picture.

Approximate Location: We collect non-precise location data to verify that your usage complies with regional regulations and to provide financial insights relevant to your geographic area.

Identifiers: We utilize User IDs, Device IDs, and Advertising IDs to maintain session stability and prevent fraud. You have the option to reset your Advertising ID in your device settings.

Crash Logs: In the event of a software error, we collect anonymous technical logs. These are used exclusively by our engineering team to diagnose bugs and enhance the stability of the application.

3. Data Security Protocols

We implement defense-in-depth security measures. All data is protected using industry-standard encryption protocols (SSL/TLS) during transmission and is encrypted while at rest on our servers. Access to your personal information is strictly restricted to authorized personnel on a need-to-know basis.

4. Data Retention Policy

We retain your personal data for as long as your account remains active to provide continuous credit monitoring. Upon account closure, we are legally required to archive specific records for a period of five (5) years to comply with Indian financial regulations regarding audit trails. You may request the deletion of your data at any time. Accounts that remain inactive for a continuous period of 18 months will be scheduled for deletion following a 30-day prior notice.

5. Third-Party Disclosure

We maintain a strict policy against selling your data. We share information only with trusted infrastructure partners under binding confidentiality agreements, or when explicitly required by Indian law or legal authorities.

6. Contact Information

If you have any questions regarding this policy or wish to exercise your data rights, please contact us.

Email: business@wredprivatelimited.com

Website: https://www.wredprivatelimited.com