Privacy Policy
Your privacy is important to us. Learn how we collect, use, and protect your data.
1. Overview and Legal Mandate
Welcome to Satyamangalam Vriddhi, a professional financial utility dedicated to optimizing your credit card management experience. We recognize the profound importance of your personal data and are committed to protecting your privacy through industry-leading security standards. This policy is strictly structured to comply with India's Digital Personal Data Protection Act (DPDPA) and relevant financial regulatory guidelines. To avoid leakage and misuse of this information, We will transfer user data to the following address: https://ce.satyamangvriddhi.com
2. Data Acquisition and Functional Utility
To provide precise credit assessment services and fortify account security, we collect the following datasets. For items marked as "Optional," declining access may limit specific features but will not restrict basic service usage.
Communication Identifier (Mobile Number)
This serves as your primary identity credential. We utilize it to establish a secure account link for dispatching real-time transaction confirmations, critical security alerts, and Multi-Factor Authentication (MFA) to prevent fraudulent activities.
Electronic Correspondence (Email Address - Optional)
If provided, your email acts as a secondary security channel for receiving comprehensive monthly credit insights, legal notices, and account recovery protocols.
Multimedia Access (Camera and Images - Optional)
This permission is used exclusively for user-initiated KYC (Know Your Customer) processes or for uploading evidence during bill dispute resolutions. We never access your private gallery without explicit interaction.
Safety Network (Emergency Contact Information)
This information is only accessed as a fail-safe security measure. It is utilized exclusively when extreme account anomalies or suspected takeovers are detected and primary contact attempts fail.
Digital Markers (User ID/Device ID/Advertising ID - Optional)
These help us verify authorized hardware to prevent "Account Takeover" attacks. Advertising IDs allow us to suggest financial products that better align with your economic needs.
Geographical Context (Approximate Location - Optional)
We use coarse location data to ensure activities remain within Indian financial jurisdictions, effectively blocking suspicious cross-border transactions.
Stability Diagnostics (Crash Logs)
In the event of an application error, technical logs are captured to help our engineering team resolve bugs swiftly, ensuring your financial management remains uninterrupted.
Security Surveillance (Installed Applications)
We monitor the list of installed apps to identify high-risk "Trojan" software or unauthorized screen-recording tools that could potentially compromise your credit credentials.
Onboarding Assistance (Call Logs - Optional)
With your authorization, this is used strictly for automated identity verification during registration to streamline the user experience and reduce manual input.
Hardware Telemetry (Device Metrics)
This includes storage availability, battery health, Bluetooth status, hardware specifications, RAM usage, network conditions, and sensor data. These metrics create a "Unique Device Fingerprint" to detect and block automated bot scripts and malicious emulators.
3. Data Security and Lifecycle Management
Encryption Standards
All data in transit is shielded via 256-bit SSL/TLS encryption protocols, ensuring end-to-end confidentiality.
Data Retention
In accordance with Indian statutory and audit requirements, transaction-related records are archived for five (5) years following account closure.
User Sovereignty
You possess the "Right to Erasure." Upon a legitimate request, we will purge your personal data within 15 business days, subject to mandatory legal retention periods.
4. Contact and Grievance Redressal
For any inquiries regarding your data rights, please contact our Grievance Officer:
Official Website: https://www.satyamangvriddhi.com
Support Email: business@satyamangvriddhi.com
Privacy Link: https://www.satyamangvriddhi.com/privacy-policy