This Privacy Policy explains what information Credit Range may process, why it is needed, how it may be transmitted, protected, retained, or shared, and what choices and rights users may have regarding their information.
We are committed to processing personal and technical information in a lawful, transparent, secure, and purpose-limited manner. Information is collected and used only where reasonably necessary to operate Credit Range, verify users, review account eligibility, provide account-related functions, maintain service security, prevent fraud, assist users, improve technical performance, and meet applicable legal or regulatory requirements.
By installing, opening, registering for, accessing, or using Credit Range, users acknowledge that they have read and understood this Privacy Policy. Users who do not agree with this Privacy Policy should discontinue use of the App.
About This Policy
This Privacy Policy applies to information processed through the Credit Range mobile application, its related in-app functions, and the backend systems used to provide Credit Range services.
It covers information processed in connection with:
• Registration and account access
• Identity verification and KYC
• Revolving credit eligibility and account review
• Credit line usage and account management
• Billing, repayment, and account-status support
• Regional service availability checks
• Device security and fraud prevention
• Customer service and user communication
• Diagnostics, analytics, attribution, and technical improvement
• Security, compliance, and lawful operational requirements
This Privacy Policy does not govern external websites, applications, platforms, or services that are independently operated by third parties. Third-party services accessed through a link or integration may apply their own privacy policies and data-handling practices.
Information Provided by Users
Users may provide personal, identity, financial, employment, and account-related information when they register, complete verification, submit KYC information, request an eligibility review, manage their account, or contact customer support.
Depending on the relevant process, this information may include:
• Full name
• Date of birth
• Mobile number
• Email address
• Occupation or employment status
• Income-related information
• Identification and KYC details
• Account-related information
• Account status and billing-related information
• Information submitted during verification or account review
• Information provided in customer-support communications
• Other information reasonably required for eligibility assessment, fraud prevention, compliance, account operation, or user assistance
This information may be used to:
• Create and maintain user accounts
• Verify identity and complete KYC
• Authenticate users and protect account access
• Conduct revolving credit eligibility and account reviews
• Provide credit line information and account-management functions
• Support billing, repayment, and account-status services
• Prevent fraud, misuse, and unauthorized access
• Provide customer support
• Conduct compliance checks
• Meet applicable legal and regulatory obligations
When backend processing is required, information submitted through Credit Range is encrypted in transit and transmitted to Credit Range’s backend systems at https://api.creditrange.net.
Device, Network, and Technical Information
Credit Range may process limited information concerning the user’s device, technical environment, and connection status.
This information may include:
• Device model
• Operating system version
• Credit Range app version
• Screen resolution
• Network connection status
• Wi-Fi state
• IP address
• Google Advertising ID (AD_ID), where available and permitted
• Limited device or system identifiers
• Limited mobile-network status information
• Crash reports
• Diagnostic events
• Error records
• Performance-related technical logs
This information may be used to:
• Maintain stable and reliable App operation
• Identify and resolve technical issues
• Improve service performance and user experience
• Support secure communication with backend systems
• Support document and verification-image uploads
• Complete verification and account-related processes
• Evaluate the device and connection environment
• Detect abnormal activity
• Prevent fraud, misuse, and unauthorized account access
• Support analytics and permitted attribution
• Protect users, accounts, and Credit Range services
The Google Advertising ID may be used for permitted attribution, analytics, security, service reliability, and anti-abuse purposes.
It is not used for credit profiling, eligibility assessment, credit approval decisions, credit limit determination, financial pricing, targeted advertising related to credit services, or unrelated behavioral profiling.
Credit Range does not use device or network information to access contacts, call logs, SMS content, private messages, phone numbers stored on the device, personal communication content, or browsing activity outside the App.
Credit Range does not record or listen to phone calls.
When backend processing is required, device, network, and technical information is encrypted in transit and transmitted to Credit Range’s backend systems at https://api.creditrange.net.
Installed Application Metadata
Where permitted by Android and applicable Google Play requirements, Credit Range may process limited metadata relating to applications installed or visible on the device.
This metadata may include:
• Application names
• Package names or package identifiers
• Installation timestamps
• Update timestamps
This information is used for:
• Device security assessment
• Device-integrity and environment checks
• Fraud prevention
• Detection of abnormal or suspicious activity
• Identification of potentially unsafe device conditions
• Identification of unusual application combinations
• Account protection
• Compliance and service-security reviews
• Prevention of misuse
Credit Range does not use the QUERY_ALL_PACKAGES permission to obtain unrestricted or broad access to the complete list of applications installed on the device.
Credit Range does not open, inspect, or read content inside other applications. It does not access:
• Third-party messages
• Login credentials or passwords
• Private files
• Personal information stored inside other applications
• Private communications
• Browsing activity
• User activity within third-party applications
Installed application metadata is not used for advertising, marketing, unrelated personalization, behavioral profiling, credit profiling, eligibility assessment, credit approval, credit limit determination, financial pricing, automated financial decision-making, or any other financial-outcome decision.
When backend processing is required, installed application metadata is encrypted in transit and transmitted to Credit Range’s backend systems at https://api.creditrange.net.
Camera and Verification Images
Credit Range may request camera access when a user actively chooses to complete identity verification, KYC, document capture, verification photography, live face verification, or liveness verification.
The camera may be used to capture:
• Accepted identification documents
• Identity-verification photographs
• Verification images
• Face-verification images
• Liveness-verification images
• Other materials required for KYC, account review, eligibility assessment, fraud prevention, compliance, or account protection
Camera access begins only after the user starts the relevant verification process.
Credit Range does not activate the camera automatically, does not use the camera without user action, and does not access the camera in the background.
Credit Range does not require access to the user’s complete photo library, media gallery, video collection, or external storage for camera-based verification.
Verification documents and images may be used for:
• Identity verification
• KYC processing
• Document-authenticity checks
• Eligibility and account review
• Fraud detection and prevention
• Compliance review
• Account protection
• Security investigation
• Resolution of verification issues or disputes
When backend processing is required, captured documents, photographs, face-verification images, liveness-verification images, and related materials are encrypted in transit and transmitted to Credit Range’s backend systems at https://api.creditrange.net.
Approximate Location Information
If the user grants permission, Credit Range may process approximate or coarse location information.
Approximate location may be used for:
• Regional service-availability confirmation
• Device and account security reviews
• Detection of suspicious access activity
• Fraud prevention
• Prevention of unauthorized account use
• Account protection
• Applicable compliance requirements
Credit Range does not collect precise GPS location through this permission and does not continuously track the user’s real-time location or movement in the background.
Approximate location is not used for advertising, marketing, behavioral profiling, unrelated personalization, eligibility assessment, credit approval, credit limit determination, or financial pricing.
When backend processing is required, approximate location information is encrypted in transit and transmitted to Credit Range’s backend systems at https://api.creditrange.net.
Users may disable location access through their device settings. Some regional availability, security-review, fraud-prevention, or account-protection functions may be limited if approximate-location access is denied or withdrawn.
App Usage, Interaction, and Diagnostic Information
Credit Range may process limited technical information about how the App operates and how users interact with its features.
This information may include:
• Page views
• Feature interactions
• Session events
• Session duration
• App interaction records related to technical operation
• Crash reports
• Diagnostic events
• Error logs
• Service-error records
• Performance information
• Technical reliability data
This information may be used for:
• Troubleshooting
• Service stability
• Technical maintenance
• Reliability improvement
• Performance optimization
• User-experience improvement
• Internal diagnostics
• Analytics
• Permitted attribution
Usage, interaction, and diagnostic information is not used for credit profiling, eligibility assessment, credit approval, credit limit determination, financial pricing, automated financial decision-making, or behavioral advertising.
How Credit Range Uses Information
Information described in this Privacy Policy may be processed for the following service-related purposes:
• Account registration and administration
• Identity verification, authentication, and KYC
• Revolving credit eligibility and account review
• Credit line information, usage, and account-management services
• Billing, repayment, and account-status support
• Regional service-availability checks
• Document and verification support
• Device security assessment
• Fraud detection and prevention
• Abnormal-activity and misuse detection
• Account protection
• Customer service and user assistance
• App operation and technical support
• Troubleshooting and diagnostics
• Analytics and permitted attribution
• Performance, reliability, and user-experience improvement
• Compliance, legal, regulatory, and security requirements
• Security investigations
• Dispute handling and resolution
• Other lawful operational purposes connected with Credit Range services
Credit Range does not process information for purposes unrelated to the functions and services described in this Privacy Policy.
If users decline an applicable permission or do not provide required information, general App information may remain available, but certain identity-verification, KYC, eligibility, security-review, document-upload, service-availability, account-review, or credit line functions may be restricted or unavailable.
Sharing and Disclosure of Information
Credit Range does not sell, rent, or trade users’ personal information.
Information may be shared only where reasonably necessary for service operation, account protection, compliance, or lawful requirements.
Recipients may include:
• Identity-verification service providers
• KYC and compliance service providers
• Fraud-prevention and security service providers
• Hosting, storage, infrastructure, and technical service providers
• Secure data-processing service providers
• Analytics and attribution service providers
• Diagnostics and crash-reporting service providers
• Customer-support service providers
• Operational service providers
• Related service providers involved in applicable credit line services
• Government authorities
• Regulators
• Courts
• Law-enforcement authorities
• Other parties where disclosure is required by law, regulation, valid legal process, or compliance obligations
Service providers and partners are expected to process information only for authorized purposes and to apply appropriate confidentiality, security, and data-protection measures.
Information may also be disclosed where reasonably necessary to investigate fraud, protect users or accounts, enforce applicable terms, maintain service security, resolve disputes, or comply with lawful requests.
Third-Party Services
Credit Range may rely on third-party providers for identity verification, KYC, compliance, fraud prevention, security, hosting, storage, infrastructure, analytics, attribution, diagnostics, customer support, and other operational functions.
Third-party providers may process information only where necessary to provide their services to Credit Range or where required by applicable law.
External websites, applications, or services not controlled by Credit Range may maintain separate privacy policies. Credit Range is not responsible for the independent privacy practices of those external services.
Information Security
Credit Range applies reasonable technical and organizational measures intended to protect personal and technical information against unauthorized access, misuse, loss, alteration, or disclosure.
These measures may include:
• Encryption in transit
• Access controls
• Internal authorization procedures
• Internal permission restrictions
• System monitoring
• Periodic security reviews
• Technical safeguards for sensitive information
• Operational controls designed to reduce unauthorized access or misuse
Access to sensitive information is limited to authorized personnel or service providers with a legitimate operational, support, security, compliance, or legal need.
Although Credit Range applies reasonable safeguards, no digital transmission, storage method, or information system can be guaranteed to be completely secure. Users should also protect their device, account credentials, and verification information.
Storage and Retention
Credit Range retains information only for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy.
Retention periods may depend on:
• Identity-verification and KYC requirements
• Eligibility and account-review requirements
• Account operation and credit line servicing
• Billing and repayment support
• Device security and fraud prevention
• Service reliability and diagnostics
• Analytics and attribution purposes
• Customer-support requirements
• Account status
• Security investigations
• Dispute resolution
• Legal, regulatory, compliance, or lawful operational requirements
Information collected for a particular verification, security, or technical process may be removed after that process is completed unless continued retention is necessary for legal compliance, regulatory requirements, fraud prevention, security, account protection, dispute resolution, enforcement of account-related obligations, or other lawful operational purposes.
When information is no longer required, it is deleted or anonymized according to applicable requirements and Credit Range’s data-retention practices.
Different categories of information may be retained for different periods depending on their purpose, sensitivity, account status, legal requirements, and security relevance.
Permissions and User Choices
Users may manage applicable App permissions through their Android device settings.
Depending on the Android version and permission type, permissions may be granted, denied, or withdrawn at any time.
Disabling a permission required for identity verification, KYC, document capture, face or liveness verification, device security review, fraud prevention, service-availability checks, account protection, eligibility review, or another account-related process may prevent that process from being completed or may limit access to certain Credit Range functions.
Users may also choose not to provide certain information. Where that information is required for verification, security, compliance, or account services, the relevant function may be restricted or unavailable.
User Privacy Rights
Depending on applicable law, users may have the right to:
• Request access to personal information processed by Credit Range
• Request correction of inaccurate information
• Request updates to personal information
• Withdraw applicable permissions
• Request deletion of eligible personal information
• Request deletion of their Credit Range account
Privacy requests may be subject to identity verification and applicable legal, regulatory, security, fraud-prevention, account-protection, dispute-resolution, and compliance requirements.
Users may request deletion of their Credit Range account and eligible associated information through the Data Deletion section on the Credit Range website, or by contacting:
mail@creditrange.net
A valid deletion request will be reviewed and processed within 15 business days after receipt, unless additional time or continued retention is required by applicable legal, regulatory, fraud-prevention, security, dispute-resolution, compliance, or lawful operational requirements.
Certain information may need to be retained for a limited period where necessary for:
• Legal or regulatory compliance
• Fraud prevention or investigation
• Security review
• Account protection
• Dispute resolution
• Enforcement of account-related obligations
• Compliance records
• Other lawful business or operational requirements
Where continued retention is required, the information will be kept only for the minimum period reasonably necessary. It will be deleted or anonymized when the applicable retention requirement no longer applies.
Age Requirement
Credit Range is intended only for users who are at least 18 years old.
Credit Range does not knowingly collect or process personal information from individuals under the age of 18.
If we become aware that information from an individual under 18 has been processed, we will take reasonable steps to delete or restrict that information within a reasonable period, subject to applicable legal, security, fraud-prevention, or compliance requirements.
Changes to This Privacy Policy
Credit Range may revise this Privacy Policy to reflect changes in:
• Applicable laws or regulations
• App features or functionality
• Technology
• Operational practices
• Security measures
• Service processes
• Data-handling practices
The latest version will be made available within Credit Range or through an appropriate service page.
Continued use of Credit Range after an updated Privacy Policy becomes effective indicates that the user has read and understood the revised policy.
Contact Us
For questions about this Privacy Policy, permissions, personal information, technical data, account privacy, account deletion, data deletion, or other privacy-related requests, please contact us at mail@creditrange.net.