Privacy Policy

The "CreditRavento" application (hereinafter referred to as "this Application"), developed and operated by Rel Tech Solutions, is subject to the following Privacy Policy.

Protecting your personal data and privacy is a commitment we take with the utmost seriousness. We are dedicated to processing your information in full compliance with all applicable laws across every stage of collection, use, and protection. Before you begin using this Application, we strongly encourage you to read this Privacy Policy carefully so that you have a thorough understanding of how your personal data is handled. We adhere strictly to India's Personal Data Protection Act and all other relevant legislation, and draw upon internationally recognized information security frameworks to safeguard your personal data and uphold your privacy rights.

Policy Statement

This Privacy Policy provides a comprehensive account of the lawful procedures by which we collect, use, store, share, and transfer your personal information in the course of delivering CreditRavento products and related services, as well as the technical and organizational safeguards we apply to protect that information. In the interest of transparency, this document is written in clear, accessible language, with key terms explained at the point where they arise.

By completing the registration process, you confirm that you have read and understood this Privacy Policy in full and that you consent to our collection and use of your personal information in accordance with this policy and applicable legal requirements. Before submitting any sensitive information, please take a moment to consider whether you accept the purposes and methods described herein. Sensitive information will only be collected and used with your express and informed consent, which is essential for CreditRavento services to operate correctly. You may choose not to provide sensitive information, though doing so may restrict access to certain features. If you disagree with, or do not fully understand, any part of this policy, please stop using our products and/or services immediately. For any questions, please contact our customer support team.

This Application and its services are intended exclusively for individuals who are 18 years of age or older. If you are under 18, please cease using CreditRavento services immediately.

This Privacy Policy is designed to help you understand:

The information we collect and how it is used
Use of personal information
Sharing of personal information
How we protect your personal information
How we safeguard your rights to manage your personal information
Third-party access and data sharing policy
Use of Cookies
Protection of minors' privacy
How we update and change this policy
Contact us, feedback

1. Information We Collect and How It Is Used

In keeping with India's current laws and regulations, and in pursuit of the purposes described in this Privacy Policy, we collect and use your personal information under the guiding principles of lawfulness, fairness, and necessity. This encompasses information you voluntarily provide while using CreditRavento services, data generated through your interactions with those services, and information lawfully obtained from third parties. Collection and use of your information proceeds only after you have provided your explicit consent. Unless permitted by law or required to protect significant legitimate interests of yourself or others, we will not gather information without your authorization, nor will we collect any personal information prohibited under applicable laws or regulations.

1.1 Account Registration and Login

To create an account on the CreditRavento application and access its associated services, we collect only your mobile phone number as the sole piece of registration information. This number forms the foundation for identity verification, account creation, and login authentication, and plays a central role in securing your account, confirming your identity, and supporting uninterrupted service delivery. We remain fully committed to compliance with all relevant laws and regulations and will apply appropriate technical and organizational controls to protect your phone number. No other personal information will be collected beyond what you voluntarily choose to share. Should you decline to provide your phone number, or should verification be unsuccessful, registration and login cannot proceed, which will affect your access to certain service features. For any assistance during use, please reach out to CreditRavento customer support — we are always happy to help.

1.2 Collection and Use of Personal Information

When using CreditRavento services, you are required to provide accurate and valid identity information, which will be used to support risk evaluation and eligibility review by our partnered financial institutions. The information involved includes: full name, gender, date of birth, type and number of identification document, ID photograph, biometric data, educational background, marital status, religious affiliation, emergency contact name and phone number, relationship with the emergency contact, occupation, employer information, monthly income, and bank account details, among others.

We may engage appropriately qualified third parties to conduct identity verification. Where permitted by applicable law, we may also cross-reference and verify information against national databases or financial institutions authorized by law to retain such records. The information collected will be applied to identity authentication, risk assessment, service matching, and the security of transactions between users and the platform. We are committed to collecting and using your information only within the scope necessary for contract performance or service delivery, and solely with your explicit consent, while maintaining rigorous technical and organizational controls to ensure data security. Choosing not to provide relevant identity information may limit access to certain loan-matching features, but will not restrict your ability to browse the platform's core content.

1.3 Collection and Use of Device Information

To maintain stable platform operations, secure transaction environments, enhance service quality, and strengthen risk control and anti-fraud capabilities, we may collect the following categories of device information when you use the CreditRavento application and its related services:

Device Information: For the purposes of platform security assurance, device identification, and risk management, we may collect certain device-related data to assist with identity verification, risk evaluation, and anti-fraud analysis, thereby enhancing the security and accuracy of credit services. Choosing not to share device information will not impair core platform functionality, though it may reduce the precision of our risk-level assessments, which could in turn affect service recommendations and evaluation outcomes. Information that may be collected includes: device name, device model, device brand, operating system and version, screen dimensions, memory details, Android ID, IP address, Google Advertising ID (Google advertising identifier), language settings, carrier name, network access method, battery status, and similar data.
Call Log Permission: In certain situations during the verification code login process, you may encounter difficulty receiving SMS-based verification codes. To resolve this and support a smooth login experience, we offer an alternative method of delivering verification codes by phone call. Granting this permission allows voice-based verification to be completed more promptly. This permission is entirely optional and may be declined without affecting your ability to use the application.
List of Installed Applications: To enhance risk management and uphold service compliance and security, we may — with your explicit authorization — collect the list of applications installed on your device. By reviewing this application data, we are able to identify potential high-risk behaviors such as engagement with gambling platforms or virtual currency transactions, enabling us to refine risk models and calibrate control strategies accordingly. Application details that may be collected include: application name, package name, installation and update timestamps, version number, and whether the application is a system app, among others. All collected data is securely transmitted to an encrypted storage facility at https://api.ct7rvt.com and protected with appropriate encryption measures. Without your authorization, this information will not be used for any other purpose or disclosed to any third party. Declining to grant this permission will not affect the platform's core functions, though it may reduce the accuracy of personalized recommendations and risk evaluations.
Phone Contact Information: When submitting a loan application through our platform, we may need to retrieve emergency contact details from your address book in order to reduce fraud risks, validate your credit standing, and maintain reliable communication channels with you. The information retrieved includes the contact's phone number, full name, and their relationship to you. All collected data is securely transmitted to an encrypted storage facility at https://api.ct7rvt.com and protected with appropriate encryption. Without your authorization, this information will not be used for any other purpose or shared with any third party.
Camera Permission: To maintain the security and compliance of the identity verification process, we may request access to your device camera when you use the identity verification feature, enabling you to photograph your ID document (KTP). This allows us to confirm the authenticity and consistency of your identity information, guard against identity fraud, and strengthen the integrity of the verification process. Images captured through this process are used exclusively for identity verification purposes, stored at https://api.ct7rvt.com, and protected with encryption. Without your authorization, they will not be used for any other purpose or shared with any third party. Declining camera access may result in verification failure, which could affect your ability to access related services.
Images: As an alternative during identity verification, you may upload a photo of your ID document (KTP) directly from your device gallery. We will not request or retain any other types of images. Photos collected through this process are used solely for identity verification purposes, stored at https://api.ct7rvt.com, and protected with encryption. Without your authorization, they will not be used for any other purpose or disclosed to any third party.
Approximate Location Information Permission: To support account security verification, perform risk assessments, and meet applicable regulatory requirements, we may collect approximate location data from your device when you use the CreditRavento application. Location data assists us in detecting unusual account activity — such as logins from rapidly shifting geographic locations or loan applications submitted from multiple regions — enabling us to activate risk control measures promptly, prevent fraudulent conduct, and protect the security of your account and transactions. The approximate location data we collect consists of latitude and longitude coordinates. This data is used exclusively for risk control and compliance purposes and is not applied to any advertising or marketing activities. Declining this permission will not disrupt basic platform functions, but may limit our capacity to identify risks, potentially affecting the precision of loan matching and risk evaluations.
Notification Permission: To ensure you receive timely updates on important matters such as loan application progress, policy revisions, and risk alerts, your authorization to send notifications is required. Once granted, you will receive these critical communications promptly, helping you stay informed about your loans and maintain the security of your account. If you decline, you may miss certain important notifications, though your ability to apply for or use services will remain unaffected. Notifications will be limited to service-related information, and this permission will not be used to collect your personal data, ensuring your privacy is protected at all times.
Activity Logs: During your use of this platform, we may collect operational log data, including access times, pages visited, and click-through activity. Such log data is used to monitor platform performance, evaluate system efficiency, identify potential issues and security vulnerabilities, and drive the continuous improvement of product features and the overall user experience. We commit to using this log data solely for internal service improvement purposes. It is kept strictly confidential, not repurposed, and will not be shared with any third party without your consent.

The collection of this information is limited to assessing your creditworthiness, verifying your identity, and maintaining the security of your account. You will be clearly informed of the type of information required before any collection takes place, and collection will proceed only upon receipt of your explicit consent. Without your consent, no information will be collected, shared, or transferred to any third party. We are committed to enforcing robust security measures that provide the highest possible level of protection for your personal information and guard against unauthorized access, disclosure, or misuse.

2. Use of Personal Information

2.1 Rules for Using Personal Information

Your personal information is handled in accordance with the principles of lawfulness, fairness, and necessity. The governing rules are as follows:

Your personal information is used solely within the scope described in this policy and only for the purpose of delivering services to you. Where we need to use your information for purposes not covered by this policy, we will first obtain your explicit consent as required by applicable laws, regulations, and standards.
We collect and use your information only to the minimum extent necessary to fulfill our business functions, avoiding excessive data processing and ensuring strict adherence to the data minimization principle.
To enhance data security and improve service quality, we may de-identify or anonymize collected personal information so that it no longer refers to any identifiable individual. You agree that we may use such processed data for analytical, statistical, and product optimization purposes, and that it may be shared with third parties or made publicly available in the form of aggregated statistics that contain no personally identifiable information.
Should you have questions or concerns about how we use or process your personal information, you may contact us at any time via the "Contact Us" section at the end of this policy. If you suffer harm as a direct result of our violation of applicable laws or regulations, we will bear the corresponding legal responsibility.

2.2 Exceptions Where Consent Is Not Required

Under India's Personal Data Protection Act and related regulations, there are specific circumstances in which we may collect and use your personal information without obtaining prior consent:

To fulfill legally mandated obligations;
In matters directly concerning national security or defense;
In connection with public safety, public health, or significant public interests;
In support of law enforcement activities, including criminal investigations, prosecutions, judicial proceedings, and enforcement of legal judgments;
To protect your life, property, or other major legitimate rights and interests, or those of other individuals, particularly in urgent situations where obtaining timely consent is not practicable;
To fulfill or execute contracts at your request as a party to those contracts;
To maintain the safe and stable operation of our products and services, such as detecting and addressing security vulnerabilities, product faults, or service disruptions;
Other circumstances as prescribed by applicable laws, regulations, and government directives.

In any of the above circumstances, your personal information will be used only to the extent strictly necessary and in a proportionate manner, with ongoing measures in place to uphold information security and regulatory compliance.

3. Sharing of Personal Information

3.1 Disclosure of Information Under Legal Obligations

You acknowledge and agree that in the circumstances described below, we may lawfully disclose your personal information to government authorities, courts, or other bodies with jurisdiction, without requiring your prior consent:

Where disclosure is required under applicable laws or regulations;
To prevent or halt fraudulent, unauthorized, or unlawful transaction activity;
To investigate confirmed or reasonably suspected instances of fraud.

With respect to any such disclosures, you expressly waive all legal claims, demands, or liability actions against us.

3.2 Third-party Sharing Necessary for Services

To the extent necessary to provide services to you, we may share your personal information with third parties, including but not limited to service providers. If a third party proactively requests information and we have no legal obligation to respond, we may, at our reasonable discretion, provide information to that third party after first obtaining your explicit consent.

Please note that this Privacy Policy applies solely to the CreditRavento platform and does not extend to independent third-party service providers. You acknowledge that such third parties may operate under their own data handling policies, and we encourage you to review their respective privacy policies. CreditRavento bears no responsibility for any losses that may result from third-party data processing, and you agree to waive any resulting claims or legal liability against CreditRavento.

3.3 Cross-border Data Processing

You acknowledge and agree that CreditRavento may transfer, store, and process your personal information within India or in other countries and regions with lawful data protection frameworks, on the condition that all such processing activities remain fully subject to India's Personal Data Protection Act and its associated regulations.

3.4 Anonymous Data Sharing

We may apply de-sensitization or de-identification techniques to your personal information so that it can no longer be associated with any specific individual — a process commonly referred to as "anonymization." Such anonymized information may be used for product improvement, service analysis, and platform operations, and may be shared with partners, research organizations, or other third parties, provided it contains no information capable of identifying you personally.

3.5 Restrictions on Selling or Renting Information

Under no circumstances will we sell, lend, or rent your personal information to any third party.

3.6 Credit Data Sharing Authorization

For the purpose of establishing and continually improving user credit evaluation systems, you expressly agree and authorize CreditRavento to lawfully collect, query, verify, and furnish information relating to your credit standing to third-party credit information agencies, for use in loan application review, risk assessment, and other legitimate service-related purposes.

4. How We Protect Your Personal Information

We fully recognize the importance of your personal information security and consistently treat it as a top organizational priority. In strict adherence to India's Personal Data Protection Act and related regulations, we employ proven, reliable, and proportionate technical and administrative measures to protect your information to the greatest practicable extent, in alignment with prevailing industry standards.

Our security protection measures include, but are not limited to:

Data Encryption and Isolation: All collected data is securely transmitted to an encrypted storage facility at https://api.ct7rvt.com, protected with encryption, and physically or logically separated from general data to prevent unauthorized access or disclosure.
Access Control Mechanism: Access to your personal information is restricted to authorized personnel operating within their designated permission levels, and access rights are subject to regular review and audit.
Security Audit and Risk Management: We conduct periodic security assessments, vulnerability scans, and log reviews to proactively identify and address potential security risks before they can cause harm.

Despite the multiple layers of security we maintain, please be aware that no system operating over any network can be guaranteed to be entirely impervious to threats. In the event of a security incident — such as a data breach, unauthorized modification, or data loss — we will immediately activate our emergency response procedures, notify you at the earliest opportunity, report to the relevant regulatory authorities as required by applicable law, and assist you in implementing appropriate measures to minimize any resulting risk.

5. How We Safeguard Your Rights to Manage Your Personal Information

We respect and actively uphold your ability to exercise meaningful control over your personal information. Under India's applicable laws and regulations, you hold the right to access, rectify, and erase your information, withdraw consent, and deactivate your account. We are committed to providing clear and user-friendly mechanisms for you to exercise these rights and maintain genuine control over your personal data.

5.1 Deleting Personal Information and Account

If you wish to remove your personal information and account data and discontinue use of our services, the following options are available to you:

Access the app and delete your account-related data directly via the "My" — "Delete Data" feature;
Alternatively, submit an account deletion request by emailing macbookairm42024@gmail.com. We will complete identity verification and process your request within 30 working days.

Once your account is deleted, we will cease providing services to you and will lawfully erase or anonymize your associated information.

5.2 Withdrawing Authorization

Where you have previously granted us access to specific device permissions — such as camera access or approximate location — you may withdraw that access at any time through your device's system settings. Please be aware, however, that withdrawing certain permissions may result in some features becoming unavailable or functioning incorrectly.

6. Third-party Access and Data Sharing Policy

With the aim of continuously improving this application's performance and user experience, we may from time to time transmit aggregated, anonymized data to external service providers.

All such data has undergone anonymization and contains no information capable of identifying you as an individual; it is used solely to support service analysis and optimization efforts.

Please be aware that third-party services integrated within this application may handle relevant data according to their own privacy policies. We encourage you to carefully review the privacy policies of the following third-party service providers to understand how they collect and use data:

These third-party service providers may disclose user-provided or automatically collected information in the following circumstances:

To meet legal requirements: for instance, in compliance with court orders or other applicable legal processes;

To protect legitimate interests: including, but not limited to, defending their own rights, ensuring the safety of users or other individuals, investigating fraudulent conduct, or responding to lawful requests from government authorities;

When engaging trusted third-party processors to perform specific functions: meaning partners who are granted data access to carry out defined tasks and who are bound by the confidentiality and data protection obligations set out in this Privacy Policy.

Right to Opt-out

If you wish to stop us from collecting your information, you may uninstall this application at any time. The uninstallation process can be completed using the following methods:

Using the uninstall function built into your device's operating system;
Uninstalling via the app store or marketplace through which you originally downloaded the application.

Following uninstallation, we will cease collecting any of your information and will discontinue the provision of all related services.

7. Use of Cookies

To enhance your browsing experience, we may use Cookies — including Flash Cookies or other local storage technologies — to recognize your identity, reduce the need for repeated logins, and support account security verification.

You acknowledge and agree that modifying your Cookie settings — including but not limited to blocking or removing Cookies — may interfere with the normal functioning of our website or application and may affect the availability and security of certain services.

8. Protection of Minors' Privacy

The protection of minors' personal information is something we take very seriously. In accordance with applicable laws and regulations, CreditRavento services are available only to users who have completed real-name registration and are at least 18 years of age. Individuals under the age of 18 are not permitted to register or access related services (though limited browsing functions that do not require registration may be available).

We have no intention of collecting personal information from minors. If you are the legal guardian of a minor and become aware that we have collected their information, please contact us promptly at macbookairm42024@gmail.com, and we will take immediate action to delete the relevant data.

9. How We Update and Change This Policy

This Privacy Policy, together with related materials such as service terms, disclaimers, and feature descriptions, may be revised from time to time. We reserve the right to amend this Privacy Policy at any time, and we recommend that you check back regularly to stay informed of any updates.

Where material changes are made to the policy, we will notify you prominently via the website homepage or within the application itself. Your continued use of our services following any such update will be taken as confirmation that you have read, understood, and accepted the revised terms.

10. Contact Us, Feedback

If you have questions regarding the collection, use, storage, or sharing of personal information in connection with CreditRavento services, or if you have comments or suggestions concerning this Privacy Policy, please do not hesitate to reach out using the contact details below. We will respond to your inquiry as promptly as possible.

Customer Service Email: macbookairm42024@gmail.com

Contact Address: Paliam Road, North Paravur, Eranakulam Dist, Kerala, India