Privacy Policy

1. Introduction

ScoreCare Solutions OPC Private Limited ("we", "us", "our") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

2. Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, PAN, Aadhaar, date of birth, and address.
• Credit Information: CIBIL, Experian, Equifax, or CRIF High Mark credit reports and scores.
• Financial Information: Income details, existing loans, and repayment history (only if voluntarily shared).
• Usage Data: IP address, browser type, device information, pages visited, and time spent on our platform.

3. How We Use Your Information

We use your information to:

• Analyze credit reports and provide improvement recommendations.
• File disputes with credit bureaus on your behalf.
• Provide loan eligibility assessments and lender matching.
• Communicate with you about your case status and updates.
• Improve our AI models and service quality.
• Comply with legal and regulatory obligations.

4. Data Sharing and Disclosure

We do not sell your personal information. We may share your data with:

• Credit bureaus (CIBIL, Experian, Equifax, CRIF) for dispute filing.
• Banking and lending partners (only with your explicit consent) for loan eligibility.
• Service providers who assist us in operating our platform (bound by confidentiality).
• Legal authorities if required by law or to protect our rights.

5. Data Security

We implement industry-standard security measures including encryption, access controls, and regular security audits. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal and credit information for as long as necessary to fulfill the purposes outlined in this policy, or as required by law. You may request deletion of your data by contacting us.

7. Your Rights

You have the right to:

• Access and review the personal data we hold about you.
• Request correction of inaccurate or incomplete data.
• Request deletion of your personal data (subject to legal retention requirements).
• Withdraw consent for data processing where consent is the basis.
• Object to certain types of processing.

8. Cookies and Tracking

We use cookies and similar technologies to enhance user experience, analyze traffic, and personalize content. You can control cookie preferences through your browser settings.

9. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes via email or through our platform. The updated policy will be effective upon posting.

10. Contact Us

For privacy-related questions or to exercise your rights, contact us at hello@scorecare.in or WhatsApp +91-87618-37207.