Privacy Policy

1. Introduction

Thank you for using ScoreFort. We are committed to providing users with secure, transparent, and professional credit scoring and management services.

Your personal information is highly valued by us. We collect and use your data strictly based on the principles of legality, fairness, necessity, and integrity. By using this app, you fully understand and agree to all the contents of this Privacy Policy.

2. Information We Collect

To provide you with accurate and reliable credit assessment services, we will collect the following types of information:

Basic Personal Information: We need to collect your personally identifiable information, including your name, education, gender, occupation, monthly income, and two emergency contact phone numbers for account registration, identity verification, and customer contact.

Camera Permission: We require this permission to capture clear images of your employment and income verification documents—a necessary step to ensure the authenticity of your information and support accurate credit assessment.

Approximate Location: We collect your approximate location data (not precise GPS coordinates) primarily to verify the legitimacy of login locations. This helps us identify and block unauthorized access attempts from suspicious regions, further safeguarding your account security.

Installed Apps List: We may analyze the list of non‑system applications installed on your device without accessing any content or data within these apps to detect potential security risks that may threaten your financial data, such as remote access trojans (RATs) or unauthorized lending applications. This measure is designed to prevent data breaches and protect your credit-related information. No app usage behavior or personal content will be collected.

Device Information: We collect essential device details including hardware model, operating system version, unique device identifiers (e.g., IMEI), and network information. These data points help us maintain the stability of app operation, troubleshoot technical issues promptly, and enhance overall service security—all to ensure a reliable user experience for credit management.

3. How ScoreFort Uses Your Information

We only use your information with your explicit authorization, primarily for the following purposes:

Generating and updating credit scoring reports to support accurate credit assessment services.

Conducting anonymized data analysis (with all personal identifiers removed) to optimize product functions, enhance service experience, and improve risk control capabilities.

Sending you service-related notifications (e.g., credit report updates), personalized financial advice.

Fulfilling legal and regulatory obligations, such as participating in anti-money laundering (AML) reviews, identity verification, and responding to lawful requests from regulatory authorities.

We will never sell, rent, or disclose your personal data to unrelated third parties without your explicit consent or legal authorization.

4. How ScoreFort Stores Information

In the data storage process, ScoreFort always adheres to the core principles of "security and compliance, minimum retention, and full controllability," building a comprehensive protection system for your data from storage environment and lifecycle management to handling special scenarios.

5. How ScoreFort Protects Your Data

We implement a multi-layered security system to protect your information, including but not limited to:

Secure Data Transmission: All data transmitted between your device and our servers is encrypted using SSL/TLS protocols to prevent interception or tampering.

Strict Access Control: We implement role-based access control—only authorized personnel with legitimate business needs can access your data, and all access operations are logged and audited.

Proactive Security Maintenance: We conduct regular security audits, vulnerability scans, and system updates to address potential risks promptly.

Employee Compliance Management: All employees must receive data security training and adhere to strict confidentiality agreements; violators will be subject to severe disciplinary action.

Please Note: While we take all reasonable measures to protect data, no security system can completely eliminate the risks associated with data transmission over the internet. We strongly advise you to keep your login credentials confidential and not share them with anyone.

6. User Rights

When using our services, you have the following rights related to your personal data:

Right of Access: Request access to the type, purpose, and storage location of your personal data held by us.

Right of Correction: Request correction or update of your personal data if you find errors, inaccuracies, or incompleteness.

Right of Erasure: Request the deletion of specific or all personal data in cases such as termination of the service (subject to legal or service-related retention requirements).

Right of Withdrawal of Consent: You may withdraw your authorization for data processing at any time – this will not affect the validity of data processing performed before the withdrawal.

Right of Data Portability: Request a copy of your personal data in a commonly used and machine-readable format (to the extent permitted by law) for transfer to other data controllers.

Right of Complaint: If you believe your data rights have been violated, you may file a complaint with our Data Protection Officer (DPO) or the relevant regulatory body.

7. Policy Updates

We may update this Privacy Policy due to legal or operational changes.

The updated version will be published within the application or on our official website.

By continuing to use this application, you agree to the revised policy.

8. Contact Us

If you have any questions, suggestions, or complaints regarding this Privacy Policy or data processing, please contact us:

Email: care@scorefort.net