Stellar Credit

1. Introduction

This Privacy Policy explains how Stellar Credit collects, uses, protects, stores, and manages information when users access or use the Stellar Credit mobile application and related in-app services. Stellar Credit is committed to processing user information in a legal, transparent, secure, and purpose-limited manner. We respect user privacy and take reasonable security measures to protect the information processed through the application. By installing, registering, or using Stellar Credit, you acknowledge that you have read and understood this Privacy Policy. If you do not agree to this Privacy Policy, you should not use the application.

2. Information Collection

When using this application, we may collect the following types of information:

2.1 Personal Information

When users register, complete account verification, submit KYC information, or use eligibility-related services, Stellar Credit may collect information provided by users through the application.

Depending on the specific process, this information may include:

Name, date of birth, mobile phone number, employment status, income-related information, identity verification information, KYC, eligibility verification, anti-fraud, customer support, compliance, or other information required for account operation.

This information is used for identity verification, KYC verification, revolving creditworthiness assessment, account creation, account management, anti-fraud, user support, compliance audits, and legitimate service operations.

2.2 SMS

With authorization, this application may access SMS messages related to finance and identity verification for transaction verification, fraud prevention, and credit limit assessment. We do not access irrelevant personal information.

SMS data is encrypted, transmitted to https://app.stellarcredit.net, and is automatically and permanently deleted immediately after the credit assessment is completed.

2.3 Location Information

With the user's explicit permission, we collect approximate location information to support address verification, fraud prevention, compliance monitoring, and risk management functions. Location information is collected only during active use of the application and is not tracked in the background.

2.4 Camera Permissions

We only access your camera when you choose to take a photo of your ID or a selfie for KYC verification. Uploaded images are deleted immediately upon completion of the verification process.

2.5 App List

With the user's consent, we collect a list of all apps installed on the user's device to assess device security, detect unusual behavior, and support fraud prevention and credit assessment processes.

2.6 Device Information

With the user's consent, we collect device-related information, including device model, operating system version, device identifier, network details, and operating parameters. This data is used for security protection, anti-fraud verification, and credit risk analysis.

3. How We Use Information

The information processed by Stellar Credit is used only for legitimate service-related purposes, including:

* Creating and maintaining user accounts;

* Identity verification, KYC, and authentication;

* Revolving credit line eligibility assessment;

* Credit line management and account-related services;

* Device security review and fraud prevention;

* Abuse detection and abnormal activity monitoring;

* Customer support and user assistance;

* Application stability, diagnostics, analysis, attribution, and service improvement;

* Service availability verification;

* Compliance with applicable laws, regulations, security, and operational requirements.

If the user chooses not to grant certain permissions or provide the required information, some application functions may still be available; however, specific verification, security, eligibility, or account-related functions may be restricted or unavailable.

4. Information Sharing

We will only share your data in the following circumstances:

Sharing with government or law enforcement agencies when required by law

Sharing with auditors or legal counsel under a binding confidentiality agreement

We will not sell, rent, or use your information for any other purpose.

5. Data Security

Stellar Credit takes reasonable technical and organizational measures to protect information processed through its applications.

These measures may include:

* Encryption during data transmission;

* Access control and authorization management;

* Internal access restrictions;

* System monitoring;

* Security review procedures;

* Sensitive information protection measures;

* Operational controls designed to reduce unauthorized access, misuse, alteration, or disclosure.

Sensitive information can only be accessed by authorized personnel and service providers who process such information for legitimate business needs.

While we take reasonable security measures, no digital system can guarantee absolute security. We encourage users to protect their account credentials and maintain the security of their devices.

6. Data Retention

Stellar Credit retains information only for as long as reasonably necessary to achieve the purposes described in this Privacy Policy.

Retention periods may vary depending on factors such as:

* Authentication and KYC requirements;

* Account management needs;

* Fraud prevention and security audits;

* Service reliability and diagnostics;

* Analytics and attribution;

* Dispute resolution;

* Legal, regulatory, compliance, or operational requirements.

If information is collected for specific verification, security, or technical purposes, it will be deleted upon completion of that process unless retention is required for legal, compliance, fraud prevention, dispute resolution, or security reasons.

When information is no longer needed, we will delete or anonymize it in accordance with applicable requirements and our data retention practices.

7. User Choice and Access Control

Users can manage application permissions through their device settings. Permissions can be granted, denied, or revoked at any time.

If authentication, KYC (Know Your Customer), fraud prevention, security audits, service availability checks, or related account processes require permissions, disabling those permissions may prevent these processes from completing or limit your access to certain Stellar Credit features.

Under applicable law, users may also contact us to request access to their personal information, correction of inaccurate information, or deletion of eligible account-related data.

8. Privacy Policy Updates

Stellar Credit may update this Privacy Policy from time to time to reflect changes in laws, regulations, technology, application functionality, operational practices, security measures, or service processes.

The latest version of this Privacy Policy will be available within the application or through the relevant service page.

By continuing to use Stellar Credit after the updated Privacy Policy takes effect, you acknowledge and accept the revised policy.

9. Contact Us

If you have any questions about this Privacy Policy, permissions, personal data processing, account privacy, data access, or data deletion requests, please contact us at:

care@stellarcredit.net