INFORMATION COLLECTED

To provide our Services, maintain account security, improve credit evaluation, and comply with applicable legal obligations, ScoreBridge may collect the following categories of information after obtaining the necessary permissions from you.

Personal Information

When you register for or use ScoreBridge, we may collect personal information that you voluntarily provide, including your name, gender, date of birth or age, email address, mobile phone number, identity verification information, employment details, and other information required to establish or maintain your account. This information enables us to verify your identity, conduct credit assessments, reduce fraud risks, and deliver our Services more effectively.

SMS Information

Once you grant SMS permissions, ScoreBridge may collect finance-related SMS messages from your device. The information collected may include the sender, the message content, and the date and time the message was received. Please note that we do not collect personal SMS messages.

SMS data is used solely for purposes such as credit assessment, fraud detection, identity verification, and risk management. We implement encryption measures during transmission and storage, and the data is kept on our secure servers (https://app.scorebridge.net).

Installed Application Information

Subject to your authorization, ScoreBridge may collect limited information about applications installed on your device, including application names, installation dates, application size, and other non-content technical attributes.

This information helps us understand device usage patterns, improve fraud detection models, evaluate potential risks, and continuously enhance the quality and security of our Services. We do not collect or analyze the personal content contained within those applications.

Device Information

When you use ScoreBridge, certain technical information about your device may be collected automatically. This may include your device model, operating system version, manufacturer, device identifiers, IP address, mobile network information, browser type, language settings, and similar technical details.

Such information allows us to maintain system stability, diagnose technical issues, prevent unauthorized activities, improve compatibility across different devices, and optimize the overall user experience.

Location Information

With your consent, ScoreBridge may collect approximate location information from your device. Location information helps us enhance account security, detect suspicious activity, strengthen fraud prevention capabilities, and improve the quality of our services.

Camera Information

With your authorization, ScoreBridge may access your device's camera during identity verification or when performing related security procedures. Images captured via this feature are used solely for identity verification and fraud prevention.

PURPOSE OF INFORMATION COLLECTION

The information collected by ScoreBridge is used to operate, maintain, and improve our Services while providing users with a secure and efficient experience. Depending on the nature of the information collected, it may be used to verify your identity, perform credit assessments, detect and prevent fraudulent activities, evaluate potential risks, improve the accuracy of our services, and comply with applicable legal or regulatory obligations.

INFORMATION SHARING AND DISCLOSURE

ScoreBridge respects your privacy and does not sell, rent, or trade your personal information to third parties for their independent marketing purposes.

We may disclose or share your information only when it is reasonably necessary to provide our Services, protect our legitimate interests, comply with applicable laws or lawful requests from government authorities, enforce our legal rights, investigate suspected fraud or security incidents, or work with trusted service providers that assist us in operating our business. Any authorized service provider receiving your information is required to process it only on our behalf and in accordance with appropriate confidentiality and security obligations.

DATA RETENTION

ScoreBridge retains personal information only for as long as it is reasonably necessary to fulfill the purposes described in this Privacy Policy or to satisfy applicable legal, regulatory, accounting, or compliance requirements.

The length of time we retain information depends on factors such as the nature of the data collected, the services provided, legal obligations, dispute resolution requirements, and fraud prevention needs. Once the retention period expires or the information is no longer required, we will securely delete, anonymize, or otherwise dispose of the information using appropriate technical measures, unless continued retention is required by applicable law.

DATA SECURITY

We take the protection of your personal information seriously and implement appropriate administrative, technical, and physical safeguards designed to prevent unauthorized access, disclosure, alteration, misuse, or destruction of the information under our control.

Our security measures may include encrypted data transmission, secure storage environments, access control mechanisms, authentication procedures, internal security monitoring, and other reasonable practices intended to safeguard personal information throughout its lifecycle.

Although we continuously improve our security practices and strive to protect your information using commercially reasonable measures, no method of electronic transmission or storage can be guaranteed to be completely secure. Therefore, while we make every reasonable effort to protect your information, we cannot guarantee absolute security.

MANAGING YOUR INFORMATION

Subject to applicable laws and regulations, you may have the right to request access to, correction of, or deletion of certain personal information maintained by ScoreBridge. You may also withdraw permissions previously granted to the App through your device settings or contact us directly regarding questions about your personal information.

Please note that withdrawing certain permissions or requesting deletion of particular information may affect your ability to access some features or continue using specific Services. Where legally required, we may retain certain information even after receiving a deletion request for purposes such as regulatory compliance, dispute resolution, fraud prevention, or the establishment, exercise, or defense of legal claims.

PROTECTION OF CHILDREN'S PERSONAL INFORMATION

ScoreBridge is intended for use only by individuals who have reached the minimum legal age required to use our services under applicable laws. We do not knowingly collect, process, or retain personal information from children. If we discover that we have inadvertently collected personal information from a child, we will take appropriate measures to delete such information as soon as reasonably practicable.

If you believe that a child has provided personal information through ScoreBridge, please contact us using the information provided below so that we may investigate and take appropriate action.

CONTACT US

If you have any questions, comments, requests, or concerns regarding this Privacy Policy or the way ScoreBridge collects, uses, or protects your personal information, please contact us via the following methods:

Email: service@scorebridge.net

We will review your inquiry in accordance with applicable laws and regulatory requirements and make reasonable efforts to respond within a reasonable timeframe.