Privacy Policy

2.1. Contact Email

Used for establishing your account, facilitating logins, aiding in password recovery, and sending crucial service-related notifications.

2.2. Registered Phone Number

Essential for validating your identity and serving as a fundamental security layer for your account.

2.3. Camera and Gallery Access

This capability is for optional enhancements, such as enabling you to upload images for account verification or to customize your profile avatar.

2.4. Designated Emergency Contact

Enables us to reach a trusted individual as a secondary security measure if unusual account activity is detected and we cannot reach you directly.

2.5. Unique User & Device Identifiers

Distinct markers that assist in securing your account, combating fraudulent activities, and ensuring a consistent user experience across devices.

2.6. Advertising Identifier (Ad ID)

Employed for presenting relevant informational content and service announcements. You retain the ability to manage or deactivate this via your device settings.

2.7. Location Data (Approximate)

We may infer your general location (e.g., city/state) from network information or IP address. This helps us to provide localized insights, ensure compliance with regional regulations, and enhance security by detecting atypical access patterns. This data is not used for precise real-time tracking.

2.8. System Activity Logs (Crash Reports)

Automated technical records generated when the application encounters an error. This anonymous data is exclusively used for diagnosing and rectifying technical glitches.

2.9. Installed Applications List

To improve our security protocols, identify potential malicious software that could compromise your device or account, and better understand general application usage patterns, we may access a list of applications installed on your device. This helps us offer more relevant guidance within the Service.

2.10. Device Communication Logs

We request temporary access to your call history solely for the automated verification of your phone number during initial setup or security checks. Our system identifies an incoming verification call to streamline your registration process. We do not store, review, or analyze any other personal call records.

2.11. Comprehensive Device Metrics

We gather various technical details about your mobile device to optimize app performance, ensure compatibility, strengthen security, and assist with troubleshooting. This includes:

• Storage Metrics: Information about your device's available and total storage space, crucial for efficient app operation and updates.
• Battery Status: Data on your device's battery level and health, used to fine-tune energy consumption.
• Bluetooth Connectivity: Status of Bluetooth (on/off) or linked devices, potentially for specific optional features.
• Hardware Specifications: Details like device model, manufacturer, and operating system version for compatibility and error reporting.
• Memory Utilization: Information on system memory (RAM) usage, aiding in performance optimization.
• Network Connection State: Details about your internet connection (Wi-Fi, cellular data type) and strength, ensuring stable communication.
• Sensor Data: Access to certain device sensors (e.g., accelerometer, gyroscope) may be used for security (e.g., detecting device integrity) or to enhance feature-specific interactions.

3.1. Service Delivery and Protection

We leverage your data to manage your account, enable core functionalities (such as personal credit score analysis and informational browsing), and safeguard against unauthorized access.

3.2. Service Enhancement

Anonymous technical insights are analyzed to pinpoint and resolve issues, bolster stability, and elevate the overall user experience.

3.3. Direct Communication

We may use your contact details to convey vital updates, security alerts, or to address your support inquiries.

4.1. Advanced Encryption

All your data is safeguarded with robust end-to-end encryption, both during transmission and while stored on our secure servers.

4.2. Controlled Access

We enforce rigorous internal access controls, ensuring that only authorized personnel with a legitimate need can access user information.

5.1. Data Retention Period

Your information is retained as long as your account remains active. In accordance with Indian legal mandates, specific data might be held for a period of five (5) years following your account deletion.

5.2. Right to Deletion

You possess the right to request the removal of your personal data at any point by contacting us via business@shihorisahay.com. We commit to processing verified deletion requests within 15 working days.

5.3. Handling Inactive Accounts

Accounts showing no activity for a continuous duration of eighteen (18) months will be automatically scheduled for deletion, following a prior 30-day notification to you.

6.1. With Essential Service Collaborators

Limited data may be shared with vetted partners (such as our cloud hosting provider) under stringent confidentiality agreements for the sole purpose of operational support.

6.2. Mandated by Law

We may disclose your information if legally compelled by a court order or a valid governmental request.