1. Our Commitment to You
At PeakCred, your trust is the cornerstone of everything we stand for. This Privacy Policy describes the personal information we gather when you use our mobile application ("the App"), how that information is used and protected, and the rights you hold over your data. By installing or using the App, you agree to the practices set out here. If any aspect of this Policy is not acceptable to you, please discontinue using the App.
2. Terminology
Capitalized terms not specifically defined in this Privacy Policy carry the meanings assigned to them in our Terms of Service.
3. Data We Collect
To operate effectively and serve you to the highest standard, PeakCred may collect several types of information. All data is transmitted through encrypted channels and stored on protected infrastructure at:
🔐 https://server.peak-cred.com
a. Personal and Financial Details
This may include your full name, gender, contact number, national identification number, income details, and residential address. We use this information to verify your identity, determine eligibility for our services, and fulfill our regulatory obligations.
b. Device and Network Data
We may collect data such as your device model and type, operating system version, unique device identifiers, user settings, connectivity information, and mobile network activity. This helps us detect irregular behavior, prevent unauthorized access, and ensure platform security.
c. Approximate Location
With your consent, we may collect general location data to confirm service availability in your region and to comply with applicable local regulations.
d. App Usage and Installation History
We gather information about third-party applications on your device — including version numbers and recent update history — to improve the accuracy of our credit assessment models and better understand users' financial behavior.
4. How Your Data Is Used
PeakCred processes your information only for legitimate, specific, and transparent purposes:
- Verifying user identities and preventing fraudulent activity
- Setting up and managing user accounts
- Delivering service updates, alerts, and important communications
- Assessing credit eligibility and financial risk
- Meeting legal obligations, including KYC and AML requirements
- Handling customer support inquiries and dispute resolution
- Enhancing our platform's performance, features, and user experience
We will never sell your personal data or use it beyond what you have consented to.
5. Retention of Your Data
Your data is kept only for as long as is necessary to deliver our services or satisfy applicable legal and regulatory requirements. If you request deletion of your personal data or account, we will act on that request promptly — unless retention is required for compliance, auditing, or dispute resolution purposes. Fully anonymized data may be retained for aggregate analysis and service improvement.
6. Keeping Your Information Safe
PeakCred employs multiple layers of protection — including encryption, access controls, and physical security measures — to reduce the risk of unauthorized access and data loss. Our systems are continuously monitored and refreshed to address evolving security threats. While no digital platform can guarantee absolute protection, we follow rigorous industry standards to keep your information secure.
7. Policy Updates
This Privacy Policy may be updated as our services develop or as legal requirements change. For material revisions, we will notify you through the App or via email. Your continued use of PeakCred after any update indicates your acceptance of the revised Policy.
8. Reach Out to Us
For any questions about this Policy or how your personal data is managed, please contact us at:
📧 Email: support@peak-cred.com
By using PeakCred, you confirm that you have read, understood, and accepted this Privacy Policy in full.