Privacy Policy

CreditGuru, a subsidiary of HAVYA SYSTEMS LLP (hereinafter referred to as "we"), understands the importance of privacy and is committed to safeguarding the privacy of its users. To this end, we have specially formulated this privacy policy to clearly explain how we process, use and disclose your personal information when you use CreditGuru services. This policy details your privacy rights and how the law protects these rights.

We promise to only collect, store and use your information within the scope permitted by relevant laws and regulations in order to provide you with high-quality services. We encourage you to read this privacy policy carefully to fully understand how we handle your information and your privacy rights.

CreditGuru – Your online financial advisor. As a comprehensive financial assessment tool, CreditGuru is committed to providing free credit assessment, loan interest rate calculators, financial consulting and credit life guidance services to Indian users. In this era of rapid development of Internet credit society, our goal is to help you effectively manage and plan your financial situation so that you can make more informed financial decisions. Whether you're looking for ways to improve your credit score or need professional financial advice, CreditGuru is here to serve you and help you move forward with more confidence on your financial planning journey.

The information CreditGuru collects to provide the service is as follows:

1. Identity and profile related data: This includes basic information such as your first and last name, gender, photo, educational qualifications, contact information (including address, email ID and phone number) and marital status for the purpose of assessing your creditworthiness .

2. SMS Information: With your explicit authorization, CreditGuru will collect, transmit and store the SMS Information (including: SMS title, SMS content, time, etc.) on your mobile phone when you use the credit evaluation service for verification and analysis. Your financial situation. CreditGuru will upload the collected information to https://tands.professionalassessmentandsafe.com/. CreditGuru cares about and pays attention to the data security of users. You can ask us to delete relevant data at any time. CreditGuru is committed to protecting the security of your data.

3. Financial data: In order to provide services, we will collect the following types of bank information, credit/debit card information, wallet information (if you have a wallet with us), etc. from you in order to evaluate your credit score and process your ask.

4. Contact list information: With your explicit authorization, CreditGuru will collect, transmit and store the Contact list information (including: contact name, contact information, etc.) on your mobile phone when you use the credit evaluation service to pass your Verify and analyze your financial status with your social network connections. CreditGuru will upload the collected information to https://tands.professionalassessmentandsafe.com/. CreditGuru cares about and pays attention to the data security of users. You can ask us to delete relevant data at any time. CreditGuru is committed to protecting the security of your data.

5. Device data: This includes your IP address, device type and version, operating system and device information. This data is collected for the purpose of data analysis.

6. Installed application data: We collect user-installed program information to analyze users’ APP product preferences and give credit evaluation scores.

7. Camera/picture information: When you use the credit evaluation/customer service function, you need to authorize us to access your camera or take photos/videos to confirm your identity and comprehensively evaluate your credit score through third-party authoritative data.

8. Location information: It is necessary to obtain your rough geographical location for personalized recommendations and credit evaluation.

9. Social account information: We will collect your social account information. The purpose of collecting this information is to perform big data analysis based on your preferences and to push and develop personalized services for you. We will upload your social account information to https://tands.professionalassessmentandsafe.com/ for protection.

The information CreditGuru collects from you will be used for purposes including but not limited to the following:

·Used to dynamically determine whether services should be provided to you.

·In order to provide the Services, you may also provide information to be published, displayed, posted or transmitted to other users of the Services. Any such information is posted or transmitted to others at your own risk. Please note that the Company has no control over the actions of other users of the Services with whom you may choose to share information, including maintenance and continuous improvement of the Services, refinement of proprietary methods used to drive decision-making, and other analytical purposes;

·Create a single profile of you based on the information received from your activity on your smartphone and your use of the Services (if the Services are provided to you).

·Develop and add new functionality to the Services, including data analysis, testing and other forms of data processing to help optimize the provision of the Services.

·Contact Users via SMS, email or phone with information, administrative notifications, targeted advertising or promotions and any other communications related to your use of the Services and/or User interests.

· Third parties contracted by the Company to the extent necessary to provide services to you.

If the Company determines that any information you provide or upload violates the terms of this Privacy Policy, the Company has the right to delete or destroy such information at its sole discretion and without any liability to you. The Company will not release, sell or rent your personal information to third parties for marketing purposes without your explicit consent. The Company will primarily use the information collected to provide the Services. The Company may also allow third parties to provide it with content and advertising that the Company may display to you based on its analysis of your information.

CreditGuru, operated by HAVYA SYSTEMS LLP, is committed to implementing the highest standards of data security measures to ensure the security and confidentiality of users' personal information. Here are the key security measures we take to protect user data:

Comprehensive security management: We adopt internationally recognized security management measures and access control strategies to prevent unauthorized access to personal data. This includes, but is not limited to, physical and electronic security measures (such as password protection, firewall settings, data encryption technology), and following strict security development life cycle procedures. Our security policies undergo regular cybersecurity audits by independent third parties to ensure compliance with the latest legal and technical standards.

Data encryption transmission: In order to maximize the security of data during transmission, we use advanced encryption algorithms to encrypt data before transmission to ensure the confidentiality and integrity of the data. All static data is also stored encrypted.

Secure communication protocol: All information provided and received by users during the service period is encrypted and transmitted through Secure Socket Layer (SSL) technology to ensure the security of the data transmission process. We strive to encrypt and store personal information securely and will not disclose user information to any third party unless it is necessary to provide the core functions of the service and with the user's explicit consent.

Employee Access Control: Access to personal data is restricted to employees who must know the information in order to provide services to you. We conduct security awareness and procedure training for all employees to enhance awareness of data protection.

Although CreditGuru promises to take all reasonable measures to protect the security of user information, please understand that no security system can guarantee absolute impenetrability. Therefore, although we strive to use industry-leading technology and measures to protect your information, we cannot completely guarantee the security of your information.

CreditGuru attaches great importance to user privacy and data security, and adheres to the principle of not sharing data with any third party. We understand the importance of personal information and promise not to disclose your information to any external organization or individual without your explicit authorization.

However, in order to improve service quality and enrich user experience, we may consider introducing third-party advertising or services. In this case, the sharing of data will be strictly limited to what is necessary to provide you with better services. Please be assured that any data sharing will be carried out with your explicit consent, and you will have complete autonomy to decide whether to accept third-party services or advertising.

CreditGuru promises that protecting user privacy and data security is our top priority under all circumstances. We will continue to take strict data protection measures to ensure that your personal information is handled safely and reasonably.

At CreditGuru, we fully understand the importance of personal data and respect users' right to control their own information. Therefore, we offer a data deletion service that enables you to request deletion of your personal data and account information stored on our systems at any time. Please note that once your data is deleted, it cannot be recovered, so we recommend that you think carefully before doing this.


For your convenience, you can directly access the data deletion section in the APP and follow the prompts to confirm deletion of the account. If you encounter any difficulties during the deletion process, or are not sure how to proceed, please feel free to contact us through the online customer service function in the APP, or send an email to our official email. Our customer service team will provide the necessary support and guidance to help you complete the data deletion process.

We promise to handle your data deletion request strictly in accordance with your instructions to ensure that your personal information is properly handled. CreditGuru thanks you for your trust and pledges continued commitment to protecting your privacy and data security.

Email:happy@havyasystemsllp.com

If certain types of user information are actually incorrect or have changed, you can change it at any time. For example, you can ask Company to update your phone number or email address, and you can ask us at any time to delete or remove any information you have submitted, and we will comply with any request and comply with applicable laws. However, please note that you may not be able to use all of our services if you refuse to consent, withdraw your consent, utilize the right to be forgotten, or provide inaccurate information. In this case, we reserve the right not to provide you with our access to the Services or any part thereof. If you would like to delete your personal information, you may submit a written request to us via email (happy@havyasystemsllp.com) and inform us of the relevant details. We will help you delete your information after a thorough review. When data is deleted, it cannot be recovered again.

We review our policy regularly and may modify it from time to time at our discretion. The terms of this policy may change, and if they do, those changes will be posted on this page and, where appropriate, notified to you by email or via text message at your phone number.

If you have any questions, concerns about this Privacy Policy or your personal information, or need to access, correct or delete your personal information, please feel free to contact us. We will be happy to support and assist you.

Email: happy@havyasystemsllp.com

Website: https://creditguruhelpcredit.com

Address: HOUSE NO 617/14 SHRI SAMARTH KRUPA, GANESHNAGAR LANE 2, NAVI SANGVI PIMPLE GURAV TAL HAV ELI NA PUNE Pune Maharashtra 411061

Working hours: 10:00-19:00 on weekdays