1. Our Commitment to You
At GatiCredit, your trust is the cornerstone of everything we build. This Privacy Policy explains the personal information we collect when you use our mobile application ("the App"), how we manage and safeguard that information, and the rights you retain over your own data. By installing or using the App, you consent to the practices described in this Policy. If any aspect of this Policy is unacceptable to you, please discontinue use of the App.
2. Terminology
Capitalized terms not defined within this Privacy Policy carry the meanings assigned to them in our Terms of Service.
3. Data We Collect
To deliver our services effectively, GatiCredit may collect several categories of information. All data is transmitted via encrypted connections and stored on secure infrastructure at:
🔐 https://server.gaticredit.com
a. Personal and Financial Details
This may include your full name, gender, phone number, national identification, income details, and residential address. We use this information to verify your identity, determine your eligibility for our services, and fulfill applicable regulatory obligations.
b. Device and Network Data
We may collect your device model and type, operating system version, unique device identifiers, user preferences, network connection parameters, and mobile usage data. This enables us to detect anomalous activity, prevent unauthorized access, and preserve the integrity and security of our platform.
c. Approximate Location
With your consent, we may collect general location data to confirm service availability in your region and to comply with relevant local regulations.
d. App Usage and Installation History
We collect information about third-party applications on your device — including version numbers and recent update activity — to strengthen our credit evaluation models and develop a more accurate understanding of financial usage behavior.
4. How Your Data Is Used
GatiCredit processes your information exclusively for legitimate, specific, and clearly defined purposes:
- Verifying user identities and reducing exposure to fraud
- Creating and maintaining user accounts
- Delivering service notifications, alerts, and critical updates
- Assessing credit eligibility and conducting financial risk evaluations
- Meeting statutory requirements, including KYC and AML obligations
- Handling support inquiries and resolving disputes
- Improving the reliability, features, and overall quality of our platform
We will never sell your data or process it beyond the bounds of your consent.
5. Retention of Your Data
We retain your personal data only for as long as required to provide our services or comply with applicable legal and regulatory obligations. Upon receiving a valid request for data or account deletion, we will act on it promptly — except where retention is mandated for compliance, audit, or dispute resolution purposes. Anonymized data that cannot be linked to any identifiable individual may be retained for internal analytical use.
6. Keeping Your Information Safe
GatiCredit employs a layered approach to data security — encompassing encryption in transit and at rest, role-based access controls, and physical safeguards — to minimize the risk of unauthorized access or data exposure. Our systems are subject to continuous monitoring and periodic updates to address evolving threats. While no platform can provide an absolute guarantee of security, we uphold recognized industry standards to protect your information at all times.
7. Policy Updates
This Privacy Policy may be revised as our services develop or as regulatory requirements change. For material updates, we will notify you through the App or via email. Continued use of GatiCredit following any revision constitutes your acceptance of the updated Policy.
8. Reach Out to Us
For questions about this Policy or the handling of your personal data, please contact us:
📧 Email: support@gaticredit.com
By using GatiCredit, you confirm that you have read, understood, and accepted this Privacy Policy.