1. Our Commitment to You
At PukkaCredit, your trust is the foundation of everything we do. This Privacy Policy explains what personal information we collect when you use our mobile application ("the App"), how we manage and protect that information, and the rights you hold over your own data. By downloading or using the App, you agree to the practices described in this Policy. If any part of this Policy is unacceptable to you, please stop using the App.
2. Terminology
Capitalized terms used but not defined in this Privacy Policy carry the meanings given to them in our Terms of Service.
3. Data We Collect
To deliver our services effectively, PukkaCredit may collect various categories of information. All data is transmitted over encrypted connections and stored on protected servers at:
🔐 https://server.pukkacredit.com
a. Personal and Financial Details
This may include your full name, gender, phone number, national identification number, income details, and home address. We use this information to verify your identity, assess your eligibility for our services, and meet applicable regulatory requirements.
b. Device and Network Data
We may gather data about your device model and type, operating system version, unique device identifiers, user preferences, network configuration details, and mobile usage statistics. This enables us to detect unusual activity, prevent unauthorized access, and maintain the security and stability of our platform.
c. Approximate Location
With your consent, we may collect general location data to confirm whether our services are available in your area and to comply with relevant local regulations.
d. App Usage and Installation History
We collect information about third-party applications installed on your device — including version details and recent update records — to refine our credit evaluation models and develop a more accurate understanding of financial usage behavior.
4. How Your Data Is Used
PukkaCredit processes your information only for lawful, specific, and clearly defined purposes:
- Verifying user identities and reducing fraud risk
- Setting up and managing user accounts
- Sending service notifications, alerts, and critical updates
- Evaluating credit eligibility and conducting financial risk assessments
- Fulfilling statutory obligations, including KYC and AML requirements
- Handling support inquiries and resolving disputes
- Improving the reliability, functionality, and quality of our App
We will never sell your data or process it beyond the scope of your consent.
5. Retention of Your Data
We retain your personal data only for as long as required to deliver our services or comply with applicable legal and regulatory obligations. Upon receiving a valid deletion or account closure request, we will act on it promptly — unless retention is mandated for compliance, audit, or dispute resolution purposes. Anonymized data that cannot be traced to any identifiable individual may be kept for internal analytical purposes.
6. Keeping Your Information Safe
PukkaCredit takes a comprehensive approach to data security — combining encryption in transit and at rest, role-based access controls, and physical safeguards — to reduce the risk of unauthorized access or data exposure. Our systems are continuously monitored and regularly updated to address new and evolving threats. While no platform can offer an absolute guarantee, we maintain recognized industry standards to protect your information at all times.
7. Policy Updates
This Privacy Policy may be revised as our services evolve or as legal requirements change. For material updates, we will inform you through the App or via email. Continuing to use PukkaCredit after any revision constitutes your acceptance of the updated Policy.
8. Reach Out to Us
If you have questions about this Policy or about how we handle your personal data, please contact us:
📧 Email: support@pukkacredit.com
By using PukkaCredit, you confirm that you have read, understood, and accepted this Privacy Policy.