Privacy Policy

Privacy Policy
Blink Credit
At Blink Credit (“we”, “our”, or “us”), we respect your privacy and are committed to protecting the personal information you provide when using our mobile application and related services.

This Privacy Policy explains how we collect, use, process, store, protect, share, and delete your information. It also explains your rights and the choices available to you.

By installing, registering for, accessing, or using the Blink Credit app, you confirm that you have read, understood, and agreed to the terms described in this Privacy Policy.

1. Data Collection Principles
Blink Credit collects information only when it is necessary for providing, securing, improving, or complying with the services offered through our app.

We follow the principles of:

Lawful Use – information is collected and processed only for legitimate purposes.
Transparency – we explain what information is collected and how it is used.
Purpose Limitation – information is used only for the purposes stated in this Privacy Policy.
Data Minimization – we collect only the information required for service operation, verification, risk control, and compliance.
We may collect and process information to:

Evaluate your eligibility for financial services
Support credit assessment and risk review
Complete identity verification and compliance checks
Detect, prevent, and reduce fraud or unauthorized activities
Protect account security and platform stability
Improve app performance and user experience
Comply with applicable laws, regulations, and legal obligations
We do not intentionally collect information that is unrelated to the services provided through Blink Credit.

2. Permissions and Information We May Access
To provide certain app functions, Blink Credit may request access to specific information or device permissions. These permissions are used only for the purposes described below.

2.1 SMS Information
Information Processed

With your clear consent, Blink Credit may process SMS messages from the past six months that are related to financial transactions, salary credits, repayment notices, bank notifications, or other credit-related financial information.

We do not access personal, private, or unrelated non-financial messages.

Purpose of Use

SMS information may be used to:

Verify income-related information
Support credit evaluation
Assess repayment capacity
Detect suspicious or fraudulent activity
Protection and Retention

SMS information is not sold, rented, or shared with unrelated third parties
Data is encrypted during transmission
Information is securely transmitted to: https://api.blinkcreditapp.in/
SMS-related data is deleted after the assessment process is completed
2.2 Installed Application Information
Information Processed

Blink Credit may collect basic information about applications installed on your device, such as app names and package identifiers.

We do not access:

App content
App login credentials
Account passwords
Personal activity inside other applications
Purpose of Use

Installed application information helps us:

Identify abnormal device environments
Support fraud prevention
Improve credit risk analysis
Enhance the accuracy of service decisions
Protection and Retention

Installed application information is not disclosed to unrelated external parties
Data is encrypted and transmitted to: https://api.blinkcreditapp.in/
The information is removed after risk analysis is completed
2.3 Device Information
Information Processed

Blink Credit may collect technical device information, including:

Device model
Operating system version
Device identifiers
Language settings
Screen configuration
Network status
Other similar technical details
Purpose of Use

Device information is used to:

Verify device security
Improve system compatibility
Maintain platform stability
Optimize app performance
Protect user accounts from suspicious or unauthorized activity
Protection and Retention

Device information is not shared with unauthorized organizations
Data is securely transmitted to: https://api.blinkcreditapp.in/
Information is deleted after verification, security checks, or analysis are completed
2.4 Camera and Media Permission
Information Processed

Blink Credit may request camera or media access so that you can upload identity documents, photos, or selfies during the verification process.

Purpose of Use

Camera and media information is used for:

KYC verification
Identity confirmation
Compliance review
Fraud prevention
Protection and Retention

Uploaded documents and images are not transferred to unrelated third parties
Files are encrypted and processed through: https://api.blinkcreditapp.in/
Information is deleted after verification unless retention is required by applicable law, regulation, or compliance obligations
2.5 App Usage and Interaction Data
Information Processed

Blink Credit may collect information about how you interact with the app, such as:

Page visits
Screen flow
Session duration
Feature usage
App performance information
Related usage metrics
Purpose of Use

This data helps us:

Improve app performance
Optimize user experience
Identify technical issues
Enhance service quality and reliability
Protection and Retention

App interaction data is not shared externally for unrelated purposes
Data is encrypted and transmitted to: https://api.blinkcreditapp.in/
Information is deleted after analysis or when it is no longer required
3. How We Use Your Information
Blink Credit may use collected information for the following purposes:

To review your eligibility for credit-related services
To complete identity verification and compliance checks
To conduct credit assessment and risk analysis
To prevent fraud, misuse, and unauthorized access
To improve app functionality, reliability, and security
To provide a safer and more efficient user experience
To maintain service operations and platform stability
To meet legal, regulatory, and operational requirements
We use your information only for legitimate, necessary, and service-related purposes. We do not use your information for unrelated activities.

4. Data Retention and Deletion
Blink Credit keeps personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy or as required by applicable laws and regulations.

Our retention practices include:

Assessment-related data is deleted after evaluation is completed
Risk review information is removed once analysis is no longer required
SMS, app usage, and installed application data are deleted after relevant analysis is completed
Device information is deleted after verification, security checks, or service optimization
Account-related information may be deleted after obligations are fulfilled or after account inactivity
Certain records may be retained when required for legal, regulatory, audit, dispute resolution, or compliance purposes
You may request deletion of your personal data through the app or by contacting us using the email address provided in this Privacy Policy. Before processing such requests, we may need to verify your identity.

5. Security Measures
Blink Credit applies appropriate technical and organizational safeguards to protect your information from unauthorized access, loss, misuse, disclosure, alteration, or destruction.

These safeguards may include:

Data encryption
Secure transmission protocols
SSL-protected communication
Access control mechanisms
Internal security monitoring
Restricted access by authorized personnel only
Although we take reasonable steps to protect your information, no method of electronic transmission or storage can be guaranteed to be completely secure.

6. Information Sharing
Blink Credit does not sell, rent, or trade your personal information.

We may share necessary information only under appropriate safeguards and only in limited situations, including with:

Authorized partners who assist in service processing
Trusted service providers who support technical, operational, verification, or security functions
Government authorities, courts, regulators, or law enforcement agencies when required by law
Parties involved in compliance, fraud prevention, dispute handling, or legal protection procedures
Any third party that receives information must process it only for permitted purposes and maintain appropriate confidentiality and security obligations.

7. Your Rights
Subject to applicable laws and identity verification requirements, you may have the right to:

Access the personal information we hold about you
Request correction of inaccurate or incomplete information
Request deletion of your personal data
Withdraw permissions previously granted through your device settings or app settings
Raise concerns or complaints about how your information is handled
We will review and respond to your requests in accordance with applicable legal and regulatory requirements.

Please note that withdrawing certain permissions may limit or disable some app features that depend on those permissions.

8. Policy Updates
Blink Credit may update this Privacy Policy from time to time to reflect changes in our services, legal requirements, security practices, or operational needs.

When this Privacy Policy is updated, the revised version will be made available through the app or other appropriate channels. Your continued use of Blink Credit after the update means that you accept the revised Privacy Policy.

9. Contact Us
For questions, requests, complaints, or concerns about this Privacy Policy or the handling of your personal information, please contact us at:

Email: services@finovatexlending.com