Privacy Policy

UniCredit is developed by ARRIAGA IBARRA NORMA PATRICIA. We (“UniCredit”) have developed this Privacy Policy to protect your personal information. We understand your concerns about information collection and use and appreciate your trust in us. We will handle your information carefully and sensibly.
This Privacy Policy describes in detail how we collect and process your personal information through various channels including devices, products, services and online platforms. By using our application, you consent to our collection, use and processing of your information as described in this Privacy Policy. We are committed to strictly complying with the Privacy Policy during the information processing process and providing you with a safe and reliable service.

UniCredit’s functional introduction

UniCredit is a free online credit assessment software that serves users around the world. UniCredit is deeply aware of the importance of credit in modern society and is committed to providing users with efficient, convenient and free credit assessment services. By combining the detailed information filled in by the user and the collected device information, UniCredit uses advanced data models to conduct a comprehensive and integrated assessment of the user’s credit status. The more accurate the information filled in by the user, the more accurate the credit value assessed, helping users to better understand and manage their credit status.
UniCredit not only provides free credit score assessments, but also provides users with the latest financial information and knowledge to help users improve their financial literacy. We are committed to protecting the data security of users. All collected data is encrypted and uploaded to https://aharbo.propotionmentminter.com/ to ensure the privacy and data security of users.
Our vision is to become a credit management tool that users around the world can trust. Through accurate credit assessments and rich financial information, we can help users easily grasp their credit status, improve their financial management capabilities, and achieve financial health and stability. Whether it is to obtain better loan conditions or to improve personal financial management capabilities, UniCredit will be your reliable partner. Download UniCredit now and start your credit management journey!

Information collection

We will collect the following information:
1. Personal information: including but not limited to name, ID number, address, email address, etc.
2. Financial information: including but not limited to bank account information, credit record, income, etc.
3. Contact list information:When you use UniCredit's credit scoring service, UniCredit needs to obtain your contact information (only the contact information you select from the contact list), including contact name, contact number and contact information, etc. The purpose of collecting information is to calculate your credit score by evaluating your social relationships. We protect your data security, and the collected information will be encrypted and uploaded to https://aharbo.propotionmentminter.com/. User data will never be disclosed without the user's permission.
4. SMS information:When you use UniCredit for credit scoring services, UniCredit needs to obtain your SMS information, including SMS title, SMS number, etc. We need to analyze the user's SMS data and calculate the user's income and expenditure and consumption status through data models to help users better track and manage their budgets. We guarantee the security of your data. The information obtained is encrypted and uploaded to https://aharbo.propotionmentminter.com/ after screening. UniCredit protects the data security of users.
5. Call log information:When you log in or register the app using a voice verification code, UniCredit will request access to your call log information (screened for a period of one year), which includes details such as your mobile number, call type, etc., to verify that the SIM card in your device matches the phone number you used to receive the verification code when you registered. This is to verify your identity and prevent identity theft and fraud. This access is necessary because the app's features involve the user's private data and it is crucial to confirm the user's identity during the login process. We protect your data security and the information collected will be encrypted and uploaded to https://aharbo.propotionmentminter.com/. User data will never be disclosed without the user's permission.
6. Installed application list: When a user uses UniCredit for credit assessment, UniCredit needs to obtain and upload a list of applications installed by the user (including: app_name, package, in_time, up_time, version_name, version_code, etc.). This information will be used to analyze the user's application usage preferences and financial software usage, helping us to understand the user's credit status more comprehensively, so as to provide users with more appropriate credit scores and financial solutions. All collected information is locally screened and strictly encrypted, and securely uploaded to our server (https://aharbo.propotionmentminter.com/). We guarantee that this information will not be shared with any third party and will only be used to provide credit assessment services.
7. Device information: including device model, operating system version, unique device identifier, etc.
8. Camera information: including metadata of photos and videos, used for functions or services within the application.
9. Location information: With your explicit authorization, we will obtain your coarse location information to provide location-related services or content.
10. Image information: When users use functions that require uploading images, such as chatting with online customer service, we will obtain the image information selected by the user, including the image size, etc. Please note that UniCredit can only obtain the image information selected by the user and will not access or collect other images or data in the device.We protect your data security and the information collected will be encrypted and uploaded to https://aharbo.propotionmentminter.com/. User data will never be disclosed without the user's permission.
11.Google Advertising ID (GAID): In order to improve user experience and provide personalized services, UniCredit needs to collect users' Google Advertising ID (GAID). This information will be used to analyze user behavior and preferences in order to provide you with more accurate financial information and suggestions.

The purposes for which we collect the above information include but are not limited to:

1. Evaluate and calculate your credit score;
2. Process your credit application and related services;
3. Confirm your identity and financial status;
4. Optimize user experience and service functions;
5. Fulfill legal obligations and protect our legitimate rights and interests;
6. Analyze and study market trends and user needs;
7. Send you notifications;
8. Improve our applications;
9. Provide you with personalized services;

Data Sharing Statement

UniCredit is committed to protecting your personal data while providing accurate credit assessments and personalized financial information. In the course of delivering our services, UniCredit may share certain user data with trusted third parties under the following circumstances:
Credit Evaluation: To ensure the accuracy and reliability of credit scoring, UniCredit may share relevant user data with licensed credit assessment institutions and financial institutions, such as banks, for the purpose of verifying and evaluating users’ creditworthiness.
Advertising and Attribution: UniCredit may share limited device-related data with authorized advertising partners, including AppsFlyer, to assist in advertising attribution and deliver more relevant financial content and recommendations tailored to the user.
Legal Compliance: UniCredit complies with all applicable data protection and privacy laws in the countries where it operates. In accordance with legal obligations, UniCredit may store and protect user data as required, and in the event of a user’s violation of applicable laws or regulations, UniCredit may disclose such data to governmental or regulatory authorities, as mandated by law.
Except for the situations outlined above, UniCredit does not share, sell, or disclose users’ personal data to any other individuals, organizations, or third parties.
We uphold the highest standards of data security and user privacy, ensuring that all data sharing is conducted lawfully, transparently, and solely for the purposes of service improvement, legal compliance, and user benefit.
How we store and protect your personal information
We attach great importance to the security of your personal information and take multiple measures to ensure the storage and protection of information. We will upload all the collected information to https://aharbo.propotionmentminter.com/ in a unified encrypted manner to ensure the security of data during transmission and storage.
To further protect your data, we use advanced firewall technology to prevent unauthorized access and network attacks. Our data security center implements strict access control measures, and only authorized employees can access this data. Each authorized account is strictly reviewed and managed to ensure that only necessary personnel can know and process your personal information, thereby minimizing information leakage.
In addition, we conduct security reviews and system updates regularly to promptly discover and fix potential security vulnerabilities and ensure that our data protection measures are always in the best condition. Through these comprehensive security measures, we are committed to providing you with a safe and reliable use environment to protect your personal information from infringement.

Recording Data

We may record data about your use of our services, including but not limited to access logs and usage data. The recording of this data is intended to help us analyze and improve the operation of the services and user experience.

Cookies

Our applications may use Cookies or similar technologies to collect and store information about your access to and use of our services. You can manage the use of Cookies through browser settings.

Data Retention and Deletion

We will retain your personal information as required by law and business needs. We respect your personal wishes regarding the retention and deletion of account information. If you wish to delete your account information and data, you can choose to cancel your account through the data deletion function in the app. If you need help, please contact customer service for guidance.

Withdrawal of Consent

You have the right to withdraw your consent for our collection and processing of your personal information at any time. Withdrawal of consent will not affect your use of our services, but may limit the provision of certain specific features or services.

Policy Notification Changes

We may update this Privacy Policy from time to time. The updated version of the Privacy Policy will be posted in the app, and you may be notified of changes by email or other appropriate means.
If you continue to use our app, you agree to be bound by the revised Privacy Policy. If you do not agree to the revised policy, please stop using the app.

Contact Us

If you have any questions or comments about this Privacy Policy, or need to exercise your privacy rights, we will be happy to provide you with support and assistance. Please contact us at:
Email: service@unionreadyuniversal.com
Address: Hukumchand Colony, Indore, Madhya Pradesh 452002, India
Working Hours: Monday to Sunday 09:00-18:00
Thank you for reading our Privacy Policy. We value your privacy and will continue to work hard to ensure that your personal information is fully protected and respected. We appreciate your trust and thank you for choosing to use our application.