Effective Date: January 6, 2026 Last Updated: January 6, 2026
At My CreditScore, we value your trust and are committed to protecting your personal data. This Privacy Policy details how we handle your information, specifically regarding the permissions required to provide our credit reporting and financial education services in the Philippines.
1. Detailed Information on Permissions and Data Handling
We collect information to provide a personalized credit assessment and ensure service compliance within the Philippines. Below is a detailed breakdown of the specific permissions we request, their purposes, and how the data is managed.
A. Approximate Location (Non-Precise)
Purpose: We collect your approximate location (via network signals like Wi-Fi or mobile towers) to confirm that you are accessing our services from within the Philippines. This is also used for fraud prevention and to verify regional financial risk profiles. We do not track your precise real-time movements.
User Consent: Required. This permission is requested upon the first launch of the app to ensure regional service availability.
Data Storage & Retention: Location data is used at the time of the credit request and stored in an encrypted format. It is retained only as long as necessary for regulatory compliance and fraud audit purposes.
B. Device Information
Purpose: We automatically collect device-specific information (such as hardware model, operating system version, and unique device identifiers like IMEI or GAID) to ensure account security, prevent fraudulent activities on multiple devices, and perform system debugging.
User Consent: This is a default permission necessary for the app’s basic security and functionality.
Data Storage & Retention: This data is encrypted and stored on our secure servers. It is retained as long as your account is active to maintain security logs.
C. Camera Permission
Purpose: The camera is used exclusively for our "Feedback" and "Customer Support" features. Users may take or upload photos of technical issues or documents to help us resolve inquiries.
User Consent: Optional. You may choose not to grant this permission. Refusing this permission will not affect your ability to generate credit reports.
Data Storage & Retention: Photos uploaded are processed only for the specific support ticket. Once the feedback is resolved, the images are deleted from our active storage.
D. SMS Permission
Purpose: To generate an accurate credit score, we analyze financial-related SMS messages (such as transaction alerts from banks, credit card statements, and utility billing notices). This helps evaluate your financial behavior and repayment capacity. We do not read, collect, or store your personal or private conversations.
User Consent: Optional. We will request your explicit consent via a prominent disclosure before accessing this data. You can still use the app if you decline, though your credit report may be less comprehensive.
Data Storage & Retention: We only extract structured financial data for credit scoring. The raw text of the SMS is not permanently stored. The resulting credit insights are stored using high-level encryption.
E. Installed Applications (AppList)
Purpose: We analyze the list of installed applications to identify the presence of financial, lending, or utility-related apps. This metadata is used to build a risk profile and verify financial activity.
User Consent: Optional. This requires explicit user authorization. Declining this permission will not restrict your access to the app's other features.
Data Storage & Retention: App list information is processed in an anonymized and aggregated format. We do not store a permanent, identifiable inventory of your personal apps.
2. Data Storage and Security Measures
All data collected is transmitted over a secure HTTPS connection and stored using AES-256 encryption. We implement strict access controls to ensure that only authorized personnel can access the data necessary for service optimization and compliance.
3. Data Sharing and Disclosure
We do not sell your personal data. We only share information with third parties (such as partner financial institutions) if you have given us explicit affirmative consent to do so for a specific loan application or financial service.
4. Your Rights and Data Deletion
Under the Philippine Data Privacy Act, you have the right to access, correct, and object to the processing of your data.
How to Delete Your Data:
In-App: Navigate to Settings > Account Security > Delete Account.
By Email: Contact our Data Protection Officer at [Insert Your Support Email]. Upon your request, all personal data will be permanently erased from our servers within 30 days.
5. Contact Information
My CreditScore Support Team Email: network.karaoke.vtb@gmail.com