Privacy Policy

When you use our credit assessment or income analysis features, we may request permission to read SMS messages tied to financial transactions — specifically the sender, timestamp, and message content. Our system uses intelligent algorithms to analyze this data, which helps us finetune the accuracy of your credit evaluation and repayment ability prediction. This information is encrypted and uploaded to https://data.heatechin.com. Once your assessment is complete, the data is wiped from our servers immediately and is not stored or retained. We never share this information with any third party. This permission is completely optional — you can say no and still use other parts of the App without any problem.

If you choose to register or log in using voice verification, we temporarily access a very small slice of your recent call logs. This is uploaded to https://data.heatechin.com for one purpose only: to make sure your SIM card can properly receive the voice verification code, while also helping us block potential fraud attempts. We do not collect your full call history, and we never peek at anything beyond what's strictly needed. Your privacy is fully respected here.

To get a better read on your spending behavior and sharpen the precision of our credit assessment, we collect information about the financial apps installed on your device. This data is encrypted, sent to https://data.heatechin.com, and deleted as soon as the analysis is finished. We do not keep copies, and we do not share this list with anyone. This permission is optional — refusing it will not break or limit the normal operation of the App in any way.

When you need to upload a personal bank credit report, we may ask to use your device's camera. The documents you capture are used solely to evaluate your income and credit situation. These files are encrypted, transmitted to https://data.heatechin.com, and permanently deleted immediately after the evaluation is complete. We do not store your photos or documents. Granting camera access is not mandatory, and you can still use other features without it.

To personalize our services for you and add an extra layer of account security, we collect approximate location data — not your precise GPS coordinates. This information is used primarily for regional analysis and fraud prevention. It is encrypted, uploaded to https://data.heatechin.com, and deleted as soon as the analysis is complete. Denying this permission will not affect the App's normal functionality. You are always free to choose whether to grant this permission.

To ensure the safety and legitimacy of how the App is used, we collect device-specific details — including SAID, IMEI, hardware model, and Android OS version. This data helps us identify devices and prevent fraudulent activity. It is encrypted and uploaded to https://data.heatechin.com. We will never share your device information with any third party without your explicit permission. Refusing this permission will not disrupt your normal use of the App.