Contact US
care@credieclipse.com
Monday to Friday, 9:00 AM – 6:00 PM
Welcome to CrediEclipse (hereinafter referred to as "we" or "this App"). Protecting user privacy and data security is a core principle of our operations. This Privacy Policy details the scope of data collection, purposes of use, protective measures, and your rights regarding the processing of your personal information by the CrediEclipse mobile application.
Please read this policy carefully before installing, registering for, or using CrediEclipse. By using this App, you acknowledge that you understand and agree to the terms of this policy. If you do not agree to any of the terms herein, please immediately stop using and uninstall the App.
To provide you with secure, stable credit limit services that comply with regulatory requirements, CrediEclipse collects the following types of necessary data when you use our services:
To complete account registration, compliance reviews, and "Know Your Customer" (KYC) procedures, we need to record the following personal information:
Name, date of birth, gender, address, official identification, marital status, employment details, bank card information, etc.
During your use of the Services, we collect device details including model, OS version, regional/language settings, network status, and unique advertising identifiers (AAID).
Purpose: Used strictly to enforce account security, detect malicious activity, prevent synthetic fraud, and analyze app stability. This data is not used for credit decisions.
Security:Encrypted and transmitted via HTTPS to our secure servers (https://app.credieclipse.com). We do not share your device data with third parties.
Upon obtaining your explicit consent, this application accesses financial-related SMS messages from your device dating back the last 180 days. The system scans only for messages containing specific financial terms (e.g., debit, transfer, account, statement, credit limit); personal text messages are not collected.
Purposes: To assess personal repayment capacity and credit eligibility, verify transaction status, and prevent fraudulent activity.
Security: Encrypted and transmitted via HTTPS to our secure servers (https://app.credieclipse.com). We do not share your SMS data with third parties. All SMS access is performed locally on your device; the raw messages are not retained on the device after the assessment is completed.
We require your permission to access the camera in order to capture and upload "Know Your Customer" (KYC) documents and take user photos for security verification. The captured images are used solely for the verification instance and are not retained beyond the completion of the relevant KYC review cycle.
With your explicit permission, this application may collect approximate location information to verify whether relevant services are available in your area. We do not record precise GPS coordinates.
To maintain platform security, we analyze high-level metadata regarding the applications installed on your device, including application names, package names, and timestamps of installation or updates.
Purpose: To conduct credit risk assessments, detect fraudulent configurations, and ensure that no unverified or malicious applications compromise the security of your funds. We never access in-app content, user credentials, or private usage records.
Security: Encrypted and transmitted via HTTPS to our secure servers (https://app.credieclipse.com). We do not share your application list data with third parties.
We process your information in accordance with the principles of legality, legitimacy, and necessity, primarily for the following purposes:
Identity Verification and Risk Assessment: Verifying the user's true identity and assessing creditworthiness and service suitability.
Service Operations and Transaction Processing: Managing your credit limit account, processing fund disbursements, and recording billing transactions.
Security Protection and Fraud Prevention: Detecting threats, preventing synthetic identity fraud, and maintaining system security.
Customer Service and Notifications: Sending necessary account change alerts and transaction records, and addressing your inquiries.
Compliance and Legal Obligations: Meeting mandatory requirements related to Anti-Money Laundering (AML), financial regulatory audits, and applicable laws and regulations.
CrediEclipse strictly adheres to its data security commitment: we will never sell, rent, or trade your personal data to any third-party commercial entities. We may disclose relevant data only in the following limited and necessary circumstances:
Financial and Settlement Institutions: Partner banks or licensed payment institutions necessary for processing fund transfers, payments, and settlements.
Legal and Regulatory Requirements: Upon receipt of court judgments, legal proceedings, or mandatory directives from government regulatory authorities.
We implement multi-layered security protection mechanisms to safeguard your data against unauthorized access, disclosure, tampering, or damage:
Encryption in Transit: All communication between the application and the server utilizes standard HTTPS/TLS encryption protocols.
Protection of Data at Rest: Sensitive data stored in our databases is protected using industry-standard encryption algorithms.
Least Privilege Access Control: We employ strict Role-Based Access Control (RBAC), limiting data access to only those employees who are authorized and require it to perform their duties.
Regular Security Audits: We conduct periodic system vulnerability scans and security assessments to ensure the platform's overall defensive capabilities.
We retain your personal data only for the minimum period necessary to fulfill the purposes described in this policy or for the mandatory retention periods stipulated by relevant financial regulations.
Upon the cancellation of your account or the expiration of the statutory retention period, we will permanently and securely delete your personal data or render it irreversibly anonymous.
CrediEclipse services are intended solely for adults aged 18 and older. We do not knowingly or intentionally collect personal information from minors. If we discover during verification that we have inadvertently collected data regarding a minor, we will immediately close the relevant account and permanently delete the data.
If you suspect that a minor has submitted information to us, please contact us at care@credieclipse.com.
In accordance with applicable laws and regulations, you have the following rights regarding your personal information:
Inquiry and Access: You have the right to know the types of personal data we hold about you and to request a copy.
Correction and Update: If you discover errors or inaccuracies in your information, you have the right to request that we correct them.
Deletion Request: You may request the deletion of your personal data, provided that statutory conditions are met and there is no mandatory retention obligation.
Permission Management: You may revoke permissions for hardware features—such as the camera or location services—at any time via your mobile system's "Settings" menu.
We may revise this Privacy Policy from time to time to accommodate business expansion or changes in laws and regulations. In the event of significant changes, we will notify you via in-app announcements or email before the changes take effect.
We encourage you to review this policy periodically. Your continued use of CrediEclipse following an update constitutes your acknowledgment and acceptance of the revised Privacy Policy.
If you have any questions, comments, complaints, or requests regarding this Privacy Policy or your personal information, please feel free to contact our team via the following channels: