Privacy Policy - CreditCheckup

Privacy Policy Statement

At CreditCheckup, we highly value and respect the privacy of every user. This privacy policy is intended to clearly explain to you how we collect, use, store and protect the personal information you provide when using this application.

CreditCheckup is developed and operated by PT. TEKNO CAKRA INOVASI. As an Indonesian registered technology company focusing on financial technology and digital service innovation, PT. TEKNO CAKRA INOVASI is committed to improving the accessibility and security of financial services through technological means, and providing users with reliable data evaluation and intelligent service solutions.

We promise that all collected information will only be used to provide you with better, personalized and compliant services. We will take strict technical and management measures in accordance with relevant laws and regulations to ensure that your personal information is secure and not disclosed, abused or accessed without authorization.

Through this policy, we hope to help you clearly understand our data processing principles and privacy protection responsibilities. If you have any questions during the reading process, please feel free to contact us.

Introduction to Application Functions

CreditCheckup is a smart tool designed to help users understand and manage their personal credit status. Through this application, users can easily view and regularly update their credit scores, obtain detailed credit reports, and fully understand their financial health.

Application functions include:

Check credit scores in real time and understand credit trends
Get detailed credit reports and identify key factors that affect scores
Provide personalized credit suggestions to help optimize credit records
Help users improve financial awareness and make more robust credit decisions

Whether you are building a credit record for the first time or looking to improve your existing score, CreditCheckup is a powerful assistant for you to achieve financial self-management.

Intellectual Property Statement

The icons, interface design elements and some visual content used in this application are all from publicly authorized open source platforms or material websites without copyright restrictions. The relevant licensing terms have been complied with when using them, and there is no infringement of third-party intellectual property rights.

If you believe that any content in this application infringes your legal rights, please contact us through official channels. We will carefully check and immediately remove the relevant content or take necessary measures after confirmation to ensure the legal and compliant use of materials and respect your copyright.

Contact email: visitor@ptteknoinovasi.com

At the same time, we also solemnly declare that the CreditCheckup brand, application function structure, text content and self-created design are all protected by relevant intellectual property laws. Without our written authorization, no unit or individual may copy, disseminate, adapt or use them for commercial purposes without authorization.

We advocate respecting originality and maintaining copyright order. Thank you for working with us to build a healthy, fair and sustainable digital content environment.

Information We Collect

To ensure that you can use the services provided by CreditCheckup smoothly, we may collect the following types of personal information after obtaining your explicit authorization and consent. All data is encrypted, stored and protected in accordance with relevant laws and regulations, and is only used for credit assessment, identity verification and service optimization, and will not be sold or disclosed to unrelated third parties.

Basic Personal Information

Used for account registration, identity verification and credit assessment processes, including but not limited to:

Name
Gender
Mobile phone number
ID number, etc.

Device Information

Used to ensure service compatibility and functional stability and improve user experience, including:

Device identification (such as Android ID)
Network status
Hardware model
Operating system version

Financial Information

Used to comprehensively assess the user's credit status, including:

Bank account information
Transaction records
Credit reports or credit records, etc.

Contact List Information

When you authorize the use of the credit assessment function, we will access and collect the emergency contact information you selected, including:

Contact name
Phone number
Relationship with you

The data will be uploaded to the secure server https://eewh.zenithnimbushug.com/ and encrypted for storage. It will only be used for credit score analysis. We will not access the complete address book. CreditCheckup respects and protects the privacy and security of users.

Geographic Location Information

In order to provide region-based service content and risk control reference, we may obtain your approximate location information.

List of Installed Apps

To help analyze your behavioral preferences and improve the accuracy of credit assessment, we will collect your list of installed apps, including the following information:

App name
Installation time
Update time, etc.

All data will be encrypted and uploaded to https://eewh.zenithnimbushug.com/ after filtering by package name, and will not be shared or sold to others.

Camera Access

In order to provide a more secure and compliant identity authentication service, CreditCheckup may request access to your device camera with your authorization and consent. Uses include but are not limited to:

Performing facial recognition to verify the identity of the account operator
Completing real-name identity authentication, login verification or other security operations
Collecting self-portraits for risk control comparison

We will not enable the camera or take images without your explicit consent. All information collected by the camera is only used for identification and identity security verification and will not be used for any purpose unrelated to the service.

Image Files

During the use of CreditCheckup, you may need to actively upload image files (such as financial proof, personal profile screenshots, ID card photos, etc.) to cooperate with the credit assessment or identity review process.

We only collect image data that you actively select and upload, including:

The image itself (such as JPG, PNG, etc.)
Image source information (such as screenshots or photos)
Upload time and other necessary information

We will not access or scan your entire album or media library, and will only process the image content you authorize to upload. All image data will be encrypted and stored at https://eewh.zenithnimbushug.com/ and will only be used for credit assessment or certification related services. It will not be disclosed, sold or used for commercial marketing.

Social Account Information

With your authorization and consent, we will collect social account information for identification and communication, such as:

Email address
Mobile number
WhatsApp account

For user verification and message notification, the information will be encrypted and stored and only used for credit assessment.

Call Log

When you register or log in via voice verification code, we may collect the following information to verify the binding status of the SIM card and the device:

The name and number of the person you are calling
Call duration and time

The data will be collected only after your authorization. The data will be uploaded to https://eewh.zenithnimbushug.com/ and encrypted for storage after filtering by mobile phone number and time. It is used to record the user's login verification credentials and ensure the user's data security.

Google Advertising ID

We will collect your Google Advertising ID for:

Advertising optimization analysis
Personalized recommendations and behavioral interest matching
Improve overall user experience

Cookies

In order to enhance user experience, we may use Cookies and similar technologies (such as pixel tags, web beacons, etc.) to collect and store information. These technologies help us understand user usage habits, optimize service functions, and provide personalized content. For example, Cookies can help us remember your login status or preferences. You can reject or manage Cookies through browser settings, but this may cause some functions to not work properly.

Third-Party Information Services and Data Sharing Instructions

In order to provide accurate credit assessment results, improve service quality and optimize platform operation experience, CreditCheckup may share user data with the following types of third-party partners under the premise of legality, legitimacy and necessity. We promise that all data sharing behaviors are carried out within the scope of user authorization and consent, and strictly comply with relevant data protection laws and regulations.

1. Data Sharing for Credit Assessment Purposes

We may share some user information (including personal basic information, credit records, device behavior information, etc.) with the following partners to assist in credit analysis and risk control decisions:

Platform internal risk control team
Trusted external credit reporting agencies or data service providers
Cooperative financial institutions for credit report cross-verification or risk identification

Such sharing is intended to improve the accuracy of credit scores, reduce fraud risks, and ensure the objectivity and reliability of credit assessment results.

2. Data Sharing with Third-Party SDKs

In order to optimize advertising effectiveness, user experience and behavioral analysis, CreditCheckup has connected to the following third-party software development kits (SDKs) and shared relevant data:

AppsFlyer (https://www.appsflyer.com/)

For advertising attribution, marketing effectiveness analysis and user behavior statistics. We may share device-related information (such as advertising identifiers, device models, installation behaviors, etc.) with AppsFlyer to evaluate advertising conversion effects and prevent advertising fraud.

3. Definition and Statement of "Unrelated Third Parties"

We will not sell, rent or disclose any of your personal information to third parties that are not related to the business of this platform.

"Unrelated third parties" refers to any individual, organization or institution that has no direct business relationship with the platform's services, credit assessment, data processing or technical support.

Data security and control: We have a strict compliance and security review process for all information sharing partners to ensure that they have legal qualifications and corresponding data protection capabilities. All shared data will be transmitted and stored in an encrypted manner and used only for legal and clear purposes.

How to Use Information

The information we collect will be used for the following purposes:

Processing credit analysis applications: Evaluating your credit score based on the information you provide
Personalized services: Providing customized financial service recommendations based on your usage habits and preferences
Improving product functions: Optimizing application interface, functions and performance by analyzing user behavior data

Information Storage

We are fully aware of the importance of user personal information, so we have taken a variety of measures to ensure that your information is properly stored and managed. The following is our detailed description of information storage.

Server Storage

Your personal information will be securely stored on our servers. We use industry-leading server equipment and technology to ensure the stability and security of the server. The server room implements strict physical and network security controls, including access control systems, surveillance cameras and firewalls, to prevent unauthorized access.

Account and Data Deletion

If you want to delete your account or related data in this app, please follow our instructions and use the "Data Deletion" function in the App or the data deletion link. Or contact our customer service team for help.

During the deletion process, we will follow the requirements of relevant laws and regulations to ensure the security of your information. Please note that after deleting an account, you will no longer be able to use that account to log in to this app and related services.

How to Protect Data Security

We take a variety of technical and management measures to protect your data security, including but not limited to:

Data encryption: Encrypt your information during transmission and storage
Access control: Strictly limit the access rights of employees and third-party service providers to data
Security audit: Regularly conduct security checks and vulnerability scans to ensure the security of the system
Employee training: Provide privacy protection training to employees to ensure that they understand and comply with relevant policies and regulations

User Rights and Obligations

As a user, you have the following rights:

Query your personal information
Correct inaccurate personal information
Delete your personal information
Withdraw authorization for the use of personal information
Complain and report violations

At the same time, you are also obliged to ensure the authenticity and accuracy of the information provided, and you may not use this application to engage in illegal activities.

Changes to the Privacy Policy

We may revise this Privacy Policy based on business development, technological updates, or changes in laws and regulations. If there are major changes to the policy, we will inform you through in-app notifications, emails, or website announcements. Please check this policy regularly to learn the latest content. If you continue to use this app, you agree to the updated privacy policy.

Contact Us

We value the opinions and experience of every user. If you have any questions or suggestions about this Privacy Policy, or would like to consult about the processing of your personal information, the exercise of your privacy rights, etc., please feel free to contact our customer service team. We promise to provide you with professional and timely assistance.

The contact information is as follows:

Email: visitor@ptteknoinovasi.com

If you wish to query, modify or delete your personal information, or make any request regarding the use of data, please contact us through this email.

Mailing address:
KOMPLEK TNI AD III, Desa/Kelurahan Cakung Barat,
Kec. Cakung, Kota Adm. Jakarta Timur,
Provinsi DKI Jakarta, Indonesia
Postal code: 13910

Customer service hours:
Monday to Saturday (Indonesian time) 09:00 – 18:00

We will properly handle your request in accordance with applicable privacy protection laws and regulations and respond within a reasonable time. Thank you for your trust and support for CreditCheckup.