CrediWave

MeraCash (hereinafter referred to as "the App", "we" or "our company") highly values your privacy and information security. This Privacy Policy explains how we collect, use, store, protect, and share your information when you use our App. Please read this policy carefully before using the App.

1. Introduction

MeraCash is a credit reporting and assessment app designed for users in India to help you understand your credit status and financial health. We are committed to respecting your privacy and strictly complying with relevant laws and regulations and Google Play policies.

This Privacy Policy applies to all information we collect during your use of MeraCash, including but not limited to device information, SMS data, installed app list, camera data, and location information. By using the App, you agree to all the terms set forth in this Privacy Policy.

2. Information We Collect

SMS Permission: When you use the credit assessment or income analysis functions, we will request to read SMS messages related to financial transactions. This information will be encrypted and uploaded to https://data.kalavritipri.com, deleted immediately after the assessment. This permission is not mandatory.

Call Record Permission: If you choose to complete the registration or login process via voice verification, we will temporarily access and upload some of your recent call records to a secure server (https://data.kalavritipri.com) to prevent potential fraud risks.

Installed App List Permission: To further analyze your spending patterns and improve credit assessment accuracy, we will collect information on the financial applications installed on your device. This data will be encrypted, uploaded, and deleted immediately after analysis.

Camera Permission: To facilitate uploading of your personal bank credit report, we will request access to your device's camera. Files will be encrypted, uploaded, and deleted immediately after assessment. This permission is not mandatory.

Location Permission: To provide personalized services and enhance account security, we will collect your approximate location data for regional analysis and fraud prevention. It will be deleted immediately after analysis.

Device Information Permission: To ensure security and legality, we collect device-specific information including SAID, IMEI, hardware model, and Android system version for device identification and fraud prevention.

3. Use and Processing of Information

The information we collect will be used for the following purposes:

• Credit assessment and income analysis;
• Providing more accurate credit scores and financial analysis results;
• Completing account security verification and fraud prevention;
• Optimizing application functionality and user experience;
• Complying with relevant legal and regulatory requirements.

We will never use your personal information for advertising, sell it to third parties, or share it with unauthorized third parties.

4. Information Storage and Protection

We are committed to taking reasonable measures to protect your information security, including:

• Encrypting data during transmission (using HTTPS/TLS protocol);
• Storing data on secure servers with strict access control;
• Encrypting sensitive information;
• Regularly reviewing and updating security measures;
• Establishing a dedicated data security team.

For information collected based on permissions, we will delete it immediately after evaluation. In the event of a data security incident, we will promptly notify you and take appropriate remedial measures.

5. Your Rights

• Right of Access: You can request to access the information we hold about you.
• Right of Correction: You can request the correction of any inaccurate information.
• Right to Erasure: You may request the deletion of your personal information.
• Right to Refuse Authorization: You may choose not to grant non-mandatory permissions.
• Right to Withdraw Consent: You may withdraw your previously granted consent at any time.
• Right to Complain: You have the right to file a complaint with the relevant regulatory agency.

We will respond within 15 business days of receiving your request.

6. Sharing and Disclosure of Information

We will only share or disclose your information in the following limited circumstances: with your explicit consent; as required by laws and regulations; to protect legitimate rights and interests of MeraCash and its users or public safety. We will not sell your personal information to any third party.

7. Children's Privacy

MeraCash does not provide services to minors under the age of 18. We do not knowingly collect personal information from minors. If you are a parent or guardian and believe that we may have collected information from a minor, please contact us immediately.

8. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. For significant changes, we will notify users through in-app notifications or other appropriate means. Your continued use of this application indicates your acceptance of the updated Privacy Policy.

9. Contact Us

Email: help@kalavritipri.com
Business Hours: Monday to Friday, 9:00 AM – 6:00 PM

We are committed to taking every feedback seriously and answering your questions as soon as possible.