Privacy Policy

Blink Credit

At Blink Credit (“we”, “our”, or “us”), we respect your privacy and are committed to protecting the personal information you provide when using our mobile application and related services.

This Privacy Policy explains how we collect, use, process, store, protect, share, and delete your information. It also explains your rights and the choices available to you.

By installing, registering for, accessing, or using the Blink Credit app, you confirm that you have read, understood, and agreed to the terms described in this Privacy Policy.

1. Data Collection Principles

Blink Credit collects information only when it is necessary for providing, securing, improving, or complying with the services offered through our app.

We follow the principles of:

• Lawful Use – information is collected and processed only for legitimate purposes.
• Transparency – we explain what information is collected and how it is used.
• Purpose Limitation – information is used only for the purposes stated in this Privacy Policy.
• Data Minimization – we collect only the information required for service operation, verification, risk control, and compliance.

We may collect and process information to:

• Evaluate your eligibility for financial services
• Support credit assessment and risk review
• Complete identity verification and compliance checks
• Detect, prevent, and reduce fraud or unauthorized activities
• Protect account security and platform stability
• Improve app performance and user experience
• Comply with applicable laws, regulations, and legal obligations

We do not intentionally collect information that is unrelated to the services provided through Blink Credit.

2. Permissions and Information We May Access

To provide certain app functions, Blink Credit may request access to specific information or device permissions. These permissions are used only for the purposes described below.

2.1 SMS Information

Information Processed

With your clear consent, Blink Credit may process SMS messages from the past six months that are related to financial transactions, salary credits, repayment notices, bank notifications, or other credit-related financial information.

We do not access personal, private, or unrelated non-financial messages.

Purpose of Use

SMS information may be used to:

• Verify income-related information
• Support credit evaluation
• Assess repayment capacity
• Detect suspicious or fraudulent activity

Protection and Retention

• SMS information is not sold, rented, or shared with unrelated third parties
• Data is encrypted during transmission
• Information is securely transmitted to: https://api.blinkcredit.in/
• SMS-related data is deleted after the assessment process is completed

2.2 Installed Application Information

Information Processed

Blink Credit may collect basic information about applications installed on your device, such as app names and package identifiers.

We do not access:

• App content
• App login credentials
• Account passwords
• Personal activity inside other applications

Purpose of Use

Installed application information helps us:

• Identify abnormal device environments
• Support fraud prevention
• Improve credit risk analysis
• Enhance the accuracy of service decisions

Protection and Retention

• Installed application information is not disclosed to unrelated external parties
• Data is encrypted and transmitted to: https://api.blinkcredit.in/
• The information is removed after risk analysis is completed

2.3 Device Information

Information Processed

Blink Credit may collect technical device information, including:

• Device model
• Operating system version
• Device identifiers
• Language settings
• Screen configuration
• Network status
• Other similar technical details

Purpose of Use

Device information is used to:

• Verify device security
• Improve system compatibility
• Maintain platform stability
• Optimize app performance
• Protect user accounts from suspicious or unauthorized activity

Protection and Retention

• Device information is not shared with unauthorized organizations
• Data is securely transmitted to: https://api.blinkcredit.in/
• Information is deleted after verification, security checks, or analysis are completed

2.4 Camera and Media Permission

Information Processed

Blink Credit may request camera or media access so that you can upload identity documents, photos, or selfies during the verification process.

Purpose of Use

Camera and media information is used for:

• KYC verification
• Identity confirmation
• Compliance review
• Fraud prevention

Protection and Retention

• Uploaded documents and images are not transferred to unrelated third parties
• Files are encrypted and processed through: https://api.blinkcredit.in/
• Information is deleted after verification unless retention is required by applicable law, regulation, or compliance obligations

2.5 App Usage and Interaction Data

Information Processed

Blink Credit may collect information about how you interact with the app, such as:

• Page visits
• Screen flow
• Session duration
• Feature usage
• App performance information
• Related usage metrics

Purpose of Use

This data helps us:

• Improve app performance
• Optimize user experience
• Identify technical issues
• Enhance service quality and reliability

Protection and Retention

• App interaction data is not shared externally for unrelated purposes
• Data is encrypted and transmitted to: https://api.blinkcredit.in/
• Information is deleted after analysis or when it is no longer required

3. How We Use Your Information

Blink Credit may use collected information for the following purposes:

• To review your eligibility for credit-related services
• To complete identity verification and compliance checks
• To conduct credit assessment and risk analysis
• To prevent fraud, misuse, and unauthorized access
• To improve app functionality, reliability, and security
• To provide a safer and more efficient user experience
• To maintain service operations and platform stability
• To meet legal, regulatory, and operational requirements

We use your information only for legitimate, necessary, and service-related purposes. We do not use your information for unrelated activities.

4. Data Retention and Deletion

Blink Credit keeps personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy or as required by applicable laws and regulations.

Our retention practices include:

• Assessment-related data is deleted after evaluation is completed
• Risk review information is removed once analysis is no longer required
• SMS, app usage, and installed application data are deleted after relevant analysis is completed
• Device information is deleted after verification, security checks, or service optimization
• Account-related information may be deleted after obligations are fulfilled or after account inactivity
• Certain records may be retained when required for legal, regulatory, audit, dispute resolution, or compliance purposes

You may request deletion of your personal data through the app or by contacting us using the email address provided in this Privacy Policy. Before processing such requests, we may need to verify your identity.

5. Security Measures

Blink Credit applies appropriate technical and organizational safeguards to protect your information from unauthorized access, loss, misuse, disclosure, alteration, or destruction.

These safeguards may include:

• Data encryption
• Secure transmission protocols
• SSL-protected communication
• Access control mechanisms
• Internal security monitoring
• Restricted access by authorized personnel only

Although we take reasonable steps to protect your information, no method of electronic transmission or storage can be guaranteed to be completely secure.

6. Information Sharing

Blink Credit does not sell, rent, or trade your personal information.

We may share necessary information only under appropriate safeguards and only in limited situations, including with:

• Authorized partners who assist in service processing
• Trusted service providers who support technical, operational, verification, or security functions
• Government authorities, courts, regulators, or law enforcement agencies when required by law
• Parties involved in compliance, fraud prevention, dispute handling, or legal protection procedures

Any third party that receives information must process it only for permitted purposes and maintain appropriate confidentiality and security obligations.

7. Your Rights

Subject to applicable laws and identity verification requirements, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal data
• Withdraw permissions previously granted through your device settings or app settings
• Raise concerns or complaints about how your information is handled

We will review and respond to your requests in accordance with applicable legal and regulatory requirements.

Please note that withdrawing certain permissions may limit or disable some app features that depend on those permissions.

8. Policy Updates

Blink Credit may update this Privacy Policy from time to time to reflect changes in our services, legal requirements, security practices, or operational needs.

When this Privacy Policy is updated, the revised version will be made available through the app or other appropriate channels. Your continued use of Blink Credit after the update means that you accept the revised Privacy Policy.

9. Contact Us

For questions, requests, complaints, or concerns about this Privacy Policy or the handling of your personal information, please contact us at:

Email: services@finovatexlending.com