Aurora Credit places great importance on the security and privacy protection of users' personal information. This Privacy Policy outlines the types of information we may collect when you use Aurora Credit (hereinafter referred to as "the App"), the purposes of such collection, how the information is used, the protective measures in place, and your statutory rights.
By downloading, installing, registering for, or continuing to use the App, you acknowledge that you have read, understood, and agreed to the entire content of this Privacy Policy. If you do not agree to any terms herein, please discontinue use of the App.
To provide you with financial services, we may collect the following types of information based on actual business needs.
To verify your identity and assess loan eligibility, we collect your name, mobile phone number, date of birth, gender, PAN card details, address, employment information, family information, and banking details.
We collect SMS data to accurately assess credit limits. We access only SMS data related to financial transactions; the collected data is used to analyze and evaluate users' borrowing habits. This process assists in assessing customer risk. All SMS data is transmitted to our server (https://privacy.auroracreditapp.com) via encrypted channels and is processed only after obtaining user consent. Upon conclusion of the credit assessment, the raw SMS data is purged from our active systems through an automated deletion process; no copies are retained for any secondary purpose.
Data regarding the list of applications on your device is used primarily for fraud detection and device integrity assessment, which in turn supports the reliability of our credit decisioning. By analyzing installed applications, we can comprehensively evaluate a user's credit status and identify potential fraud risks or abnormal activities, thereby safeguarding user accounts and funds while meeting regulatory requirements.
We collect device information—such as device model, system version, and unique device ID—to build a robust risk prevention system. This data helps identify abnormal device environments and prevent unauthorized access and fraudulent behavior. We collect only necessary device data, process it using full encryption, and do not access unrelated private content.
Image data captured or uploaded by users is primarily used for identity verification, KYC (Know Your Customer) checks, and the review of loan application documents. All image data is handled confidentially and used solely for platform compliance verification services. The images you capture are used solely for the verification instance and are not retained beyond the completion of the relevant review cycle.
We collect approximate location data. This data helps verify the authenticity of loan applications, prevent platform fraud, and provide targeted user services. All GPS data is kept strictly confidential.
The information collected by this application is primarily used for the following purposes:
We process your personal information only when necessary to provide product features, maintain account security, conduct credit assessments, improve service quality, or comply with legal and regulatory requirements. We take reasonable measures to avoid collecting or using information beyond the scope necessary for these purposes. For features that do not require personal information to function, we will not proactively request such data from you.
You may revoke permissions requiring your authorization at any time via your device settings. Disabling these permissions may prevent the associated features from functioning correctly, but it will not affect other services that do not require such permissions.
This application respects and protects your personal information; we do not trade your information as a commodity, nor do we disclose your personal data to any organization for commercial marketing purposes.
We may provide necessary information support to partner organizations performing specific duties only when required for business operations or mandated by laws and regulations. Such partnerships may involve identity verification, system deployment, security assurance, technical maintenance, risk identification, and other tasks directly related to service operations.
This application employs various technical and administrative measures to safeguard your personal information, including but not limited to:
End-to-end encrypted data transmission;
Secure and reliable server environments;
Permission-based internal access controls;
Continuous security monitoring mechanisms;
Regular security maintenance and risk assessments.
While we have taken reasonable measures to protect your information, please note that neither internet transmission nor electronic storage methods can guarantee absolute security.
We retain your personal information only for the duration necessary to fulfill the purposes of collection or as required by applicable laws and regulations.
Once the retention period expires and the information is no longer required, we will securely dispose of it by deleting or anonymizing the data.
This application is intended solely for adults aged 18 or older.
If we discover that a minor has registered or provided personal information to us, we will take necessary measures—such as deleting the relevant information and closing the account—after verification.
We want you to have control over your personal information. If you wish to review the information we hold, update your details, request to stop the processing of certain information, or have questions regarding how your personal information is handled, please contact us via our official customer service email. Upon receipt of your request, we will review it in accordance with applicable laws and actual circumstances, and process it promptly after verifying the relationship between the applicant and the account. Regarding information that must be retained due to laws, regulations, regulatory requirements, or the fulfillment of contractual obligations, we will explain the reasons to you to the extent permitted by law.
We may update this Privacy Policy from time to time to reflect changes in product features, laws and regulations, or business operations.
The updated version will be published within the application and will take effect from the date of publication. Where required by law, we may also notify you of significant changes via in-app notifications or other reasonable means.
Your continued use of the application following an update constitutes your acceptance of the updated Privacy Policy.
If you have any questions, suggestions, or complaints regarding this Privacy Policy or the protection of personal information, please feel free to contact us.
help@auroracreditapp.com
