PulseCredit Privacy Policy

1. Introduction

Welcome to Pulse Credit — a peer-to-peer debt reporting and risk assessment platform.
We value your privacy and are committed to protecting your personal information.

This Privacy Policy explains what data we collect, how we use it, and your rights regarding that information.

By using the Pulse Credit app, you agree to the terms described in this policy.

2. Information We Collect

2.1 Personal Information

When creating an account, we collect the following mandatory personal details:

• Full Name (Name and Surname)
• Phone Number
• ID Number

This information is used to verify user identity and to track who creates or updates a debt report.

2.2 Report Information

When making a debt report, we collect:

• Details of the reporter (who submits the report)
• Details of the person or business being reported
• Debt information such as amount, date, and status (e.g., unpaid or paid)

This data is used to:

• Verify if a report is genuine
• Calculate and update the reported individual’s or business’s risk score

2.3 Device Permissions

The app may request the following permissions:

• Network Access: To send and receive information over the internet.
• Storage Access: To upload or attach supporting evidence.
• Camera Access: To capture and upload images as evidence for reports.

We do not access any files, photos, or data unrelated to your use of the app.

3. How We Use the Information

• Verify and validate debt reports
• Generate and update credit risk scores
• Display risk assessments, report counts, and total debt values for users who query the system using valid identifiers
• Maintain accountability by linking each report to its registered reporter

Note: The risk assessment provided by Pulse Credit is for guidance purposes only. Users should not make lending or business decisions solely based on this assessment.

4. Data Sharing and Public Access

Anyone with valid identifiers (such as a phone number, ID number, or name) of a person or business that has been reported can query the system to:

• View the individual’s or business’s risk score
• See the number of reports made
• View the total value of debts associated with those reports

We do not publicly display personal information beyond what is necessary for risk evaluation and transparency.

5. Data Retention and Deletion

• You can request account deletion at any time by contacting tinashechandalala@gmail.com.
• If reports have previously been made about you, we will retain that report information so that other users can continue to access verified public debt data.
• Data related to closed or paid reports will remain in the system for record-keeping but will reflect as paid to maintain fairness and transparency.

6. Security

• All communication between your device and our servers is encrypted.
• Your personal details are stored securely.
• No online system can guarantee absolute security, so users should use the app responsibly.

7. Your Rights

As a user, you have the right to:

• Request access to your personal data
• Request correction of inaccurate information
• Request deletion of your account (subject to the retention policy above)
• Contact us for any privacy-related inquiries

To exercise these rights, email us at tinashechandalala@gmail.com.

8. Changes to This Policy

• We may update this Privacy Policy from time to time.
• Any updates will be reflected in this section, along with a new effective date.
• We encourage users to review it periodically.

9. Contact Information

If you have any questions or concerns about this Privacy Policy or your data, please contact:
Developer: Tinashe Chandalala
Email: tinashechandalala@gmail.com