1. Our Commitment to Your Privacy
At ZidoCredit, protecting your personal information is a core part of who we are. This Privacy Policy outlines how we collect, process, store, and protect your data when you use our mobile application ("the App"), and the choices available to you regarding your information. By downloading, accessing, or using the App, you agree to the data practices described in this Policy. If you do not agree, please stop using the App.
2. Definitions
Unless otherwise noted, capitalized terms in this Privacy Policy carry the same meanings as defined in our Terms of Service.
3. Information We Collect
To deliver secure and personalized financial services, ZidoCredit may collect the following categories of information. All data is transmitted through encrypted channels and stored on protected servers at:
🔐 https://server.zidocredit.com
a. Identity and Financial Information
This may include your name, gender, phone number, PAN, income details, and home address. We use this information to verify your identity, determine eligibility for credit-related services, and satisfy applicable regulatory requirements.
b. Device and Technical Information
We may gather data such as device model, operating system version, unique device identifiers, user profile details, network status, Wi-Fi connectivity, and mobile network activity. This helps us detect unusual patterns, prevent unauthorized access, and uphold platform security.
c. General Location Information
We may collect approximate location data to confirm whether ZidoCredit services are available in your region and to comply with relevant local laws and regulations.
d. Installed Applications and Usage Data
We collect details about third-party apps installed on your device, including version histories and recent update information. This supports behavioral analysis and enhances the accuracy and dependability of our credit assessment processes.
4. How We Use Your Information
ZidoCredit uses your data exclusively for legitimate, clearly defined, and necessary purposes, including:
- Verifying user identity and mitigating fraud risks
- Creating, managing, and maintaining user accounts
- Delivering essential service notifications, updates, and alerts
- Assessing credit eligibility and financial risk
- Fulfilling legal and regulatory obligations (e.g., KYC and AML compliance)
- Responding to customer inquiries and support requests
- Improving system performance, functionality, and the overall user experience
We never misuse or sell your personal information.
5. Data Retention
We keep personal data only for as long as required to provide our services or meet legal, regulatory, or compliance obligations. If you request deletion of your personal data or account, we will process your request unless retention is necessary for lawful purposes, audits, or dispute resolution. Anonymized data that cannot be used to identify you may be retained for internal analytics and ongoing service improvement.
6. How We Protect Your Information
ZidoCredit applies a comprehensive set of safeguards — including technical defenses, internal policies, and physical protections — to reduce the risk of data loss, misuse, or unauthorized access. Our systems are routinely monitored and refreshed to stay ahead of new and evolving threats. While no online service can guarantee complete security, we follow widely accepted industry standards to keep your data safe.
7. Changes to This Privacy Policy
We may revise this Privacy Policy periodically to keep pace with developments in our technology, services, or applicable regulations. Where significant changes occur, we will alert you through the App or via email. Your continued use of ZidoCredit after any update signals your acceptance of the revised Privacy Policy.
8. Contact Us
If you have questions, concerns, or requests about this Privacy Policy or your personal data, please get in touch with us at:
📧 Email: support@zidocredit.com
By continuing to use ZidoCredit, you confirm that you have read, understood, and agreed to this Privacy Policy.