TrustPulse (hereinafter referred to as "we") respects your privacy and is committed to protecting your personal information. This Privacy Policy outlines how we collect, use, store, and protect your data when you use our mobile applications and related services. By accessing or using the TrustPulse application, you agree to the terms set forth in this policy.

1. Information We Collect

To provide you with accurate credit assessment services, we collect the following types of information:

1.1 Personal Information

We collect your full name, contact information, bank information, identification number (such as PAN card number), gender, and income data.This helps us verify your identity, assess your creditworthiness, and comply with financial regulations.

1.2 SMS Information

With your explicit consent, we only collect, access, and temporarily store your financial SMS messages from the past 6 months. This includes information on salary deposits, bank account debit/credit deposits, EMI repayment notices, loan repayments, and other related financial transactions. We will never collect or store personal SMS messages unrelated to finances.

This data is used solely for two core purposes: accurately assessing your financial behavior and detecting potential fraud risks. It will not be shared with any third party throughout the entire process. All SMS data is securely encrypted, and uploads to the server are solely for credit assessment purposes. Once a credit decision is generated, the relevant data will be automatically deleted, ensuring your information security throughout the entire process.

1.3 Device Information

To ensure the security and legality of our product use, we will collect your device identification code (SAID), IMEI, hardware model, and Android system version. This information will be used for device identification and fraud prevention. This information will be encrypted and uploaded to our server. We will not provide your data to any third party without your permission.

1.4 Installed Apps

To enhance our fraud detection and security capabilities, we, with your consent, collect information about the applications installed on your device. This data helps us verify the presence of legitimate financial apps and identify potentially malicious or suspicious applications that could indicate a fraud risk. This information is not used as a primary factor in credit assessment.

1.5 Camera

We will request access to your camera and media files to take and upload KYC documents, such as identification documents and selfies, to help us verify your identity.

1.6 Location information

To more accurately match service needs and enhance account security, we collect your approximate location information. This information is used solely for regional compliance analysis and anti-fraud verification and does not involve precise location tracking. All location data is encrypted before being uploaded to our servers.

1.7 Call Logs

When you register or log in using voice verification, in order to verify that your SIM card can receive voice verification codes and to prevent any potential fraud, we will temporarily obtain and upload your recent call logs to our servers.

2. How We Use Your Information

a.To provide credit scoring,credit level analysis,and credit trend forecasting;

b.To generate personalized credit recommendations or improvement plans;

c.To detect potential risks and prevent fraud;

d.To offer customer support and improve product features.

3. Your Rights

a. To access and correct your personal information;

b. To revoke all or part of the permissions you have granted;

c. To delete unnecessary data;

If you have any questions, please contact our support team.

4. Information Security Guarantee

TrustPulse strictly adheres to regulatory requirements and has established a multi-layered security protection system to comprehensively safeguard your information security:

a. Employing SSL encryption technology to ensure secure data transmission and deploying firewalls to defend against cyberattacks.

b. Implementing strict internal access control; all employees sign confidentiality agreements.

c. Conducting regular security audits and system testing to continuously optimize protection capabilities.

Special Note: All network transmissions carry potential risks. We have made every effort to mitigate these risks. Thank you for your understanding.

5. Privacy Policy Updates

To adapt to revisions in laws and regulations and business development needs, this policy may be adjusted from time to time. We will publish the updated policy here. You should regularly visit TrustPulse's Privacy Policy to ensure you understand TrustPulse's latest policies.

6. Contact Us

If you have any questions, suggestions, or complaints, you can contact the appeals specialist through the following methods: Email: help@trustpulsescore.com We will take every feedback seriously and process and respond to your requests promptly and in accordance with the law.