Privacy Policy

Last Updated: [March 20, 2026]

Thank you for using Fin Score (hereinafter referred to as "we," "us," or "our App"). We take your privacy very seriously. This Privacy Policy is designed to explain how we collect, use, disclose, and protect your information when you use our services, with particular emphasis on the use of sensitive permissions, in order to comply with Google Play policies and applicable laws and regulations.

Please read this Privacy Policy carefully before using our App. By agreeing to this Privacy Policy or continuing to use our services, you acknowledge that you have read, understood, and agree to the processing of your information as described in this policy.

1. Types of Information We Collect and How We Use It

To provide you with credit score evaluation services, we may collect the following types of information. Information collection is categorized as "necessary information" and "optional information":

1.1 Necessary Information (Automatically Collected)
This information is essential for providing the basic service and preventing fraud, and is automatically collected upon your consent through our privacy disclosure:

· APP List: We collect the list of applications installed on your device. This information is used to analyze your device environment risk, serving as one of the reference dimensions for credit evaluation to enhance the accuracy of the assessment.

· Device Information: We collect information such as your device model, operating system version, and unique device identifiers. This helps us ensure network security, prevent fraudulent activities, and optimize the app's compatibility across different devices.

· Approximate Location: We collect your approximate location (city or region level). This is used for statistical analysis of user geographical distribution and for region-based risk assessment.

1.2 Information Requiring User Authorization (Sensitive Permissions)
The following features require your explicit authorization (consent pop-up) before they can be enabled and used:

· SMS

· Purpose: We request access to your SMS data solely for the purpose of extracting information related to financial transactions, repayment reminders, and income verification, in order to calculate your credit score more accurately. We will only read information relevant to credit evaluation purposes and will not collect your personal social or chat SMS messages.

· Authorization Note: This permission is not mandatory. If you refuse to grant this permission, the app can still provide basic credit evaluation services, but the accuracy of the results may be reduced.

· Camera

· Purpose: We request camera access to allow you to take photos or videos when using the "Feedback" or "Customer Support" feature, so that we can understand and resolve your issues more effectively.

· Authorization Note: This permission is completely optional. Refusing camera access will not affect your ability to use the core credit evaluation features. Without this permission, you can still provide feedback via text.

2. Data Sharing and Disclosure

We commit that:

· No Data Sale: We will not sell your personal information to any third party.

· Limited Sharing: We will only share necessary information in the following limited circumstances:

· Service Providers: We may share de-identified information with trusted partners who provide data analysis and risk assessment services to perform credit evaluation algorithms.

· Legal Requirements: We may disclose your information when required by law, subpoena, or government authority.

3. Data Security

We employ industry-standard security technologies (such as encrypted transmission) to protect your data. However, please note that no method of transmission over the Internet or electronic storage is 100% secure.

4. Your Choices and Controls

· Withdraw Consent: You can revoke SMS or camera permissions at any time by going to your device's "Settings" and finding "Fin Score." Once permissions are revoked, we will stop collecting the corresponding information, but this may affect the accuracy of the relevant features.

· Data Deletion: If you wish to delete your account and have all your personal information removed, please contact us at:support@finscore.top

5. Children's Privacy

Our App is not directed to children under the age of 13. If we become aware that we have collected personal information from a child, we will take steps to delete such information.

6. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Material changes will be notified to you via in-app announcements or pop-ups.

7. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

· Email: support@finscore.top