Privacy Policy

Last Updated: November 19, 2024

At Shopcred, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and website.

1. Information We Collect

1.1 Personal Information

When you register for Shopcred, we collect the following information:

  • Mobile Number: Required for account creation and verification via OTP
  • Name: To personalize your experience and identify you in transactions
  • Shop Information: Shop name, location, and business details if you're a shop owner
  • Transaction Data: Credit/debit transaction records, amounts, dates, and descriptions

1.2 Automatically Collected Information

We may automatically collect certain information when you use our app:

  • Device information (model, operating system, unique device identifiers)
  • Log information (IP address, app usage data, crash reports)
  • Location data (with your permission) for shop proximity features

2. How We Use Your Information

We use the collected information for the following purposes:

  • Account Management: To create and manage your Shopcred account
  • Transaction Processing: To record, track, and manage credit/debit transactions
  • Notifications: To send you transaction alerts, payment reminders, and important updates
  • WhatsApp Reminders: To send payment due reminders via WhatsApp (with your consent)
  • Customer Support: To respond to your inquiries and provide technical assistance
  • App Improvement: To analyze usage patterns and improve our services
  • Security: To detect and prevent fraud, unauthorized access, and other illegal activities

3. Information Sharing and Disclosure

We respect your privacy and do not sell your personal information. We may share your information only in the following circumstances:

  • With Your Consent: When you explicitly authorize us to share information
  • Transaction Parties: Shop owners and customers involved in a transaction can see relevant transaction details
  • Service Providers: Third-party services that help us operate our app (e.g., cloud hosting, SMS/WhatsApp services)
  • Legal Requirements: When required by law, court order, or government regulations
  • Business Transfers: In case of merger, acquisition, or sale of assets

4. Data Security

We implement industry-standard security measures to protect your information:

  • End-to-end encryption for sensitive data transmission
  • Secure servers with regular security audits
  • Access controls and authentication mechanisms
  • Regular backups to prevent data loss
  • Employee training on data protection practices

However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as necessary to:

  • Provide our services to you
  • Comply with legal obligations
  • Resolve disputes and enforce agreements
  • Maintain transaction records for accounting purposes

You may request deletion of your account and associated data at any time by contacting us.

6. Your Rights and Choices

You have the following rights regarding your personal information:

  • Access: Request a copy of the personal information we hold about you
  • Correction: Update or correct inaccurate information
  • Deletion: Request deletion of your account and personal data
  • Opt-out: Unsubscribe from promotional communications
  • Data Portability: Request your data in a machine-readable format

7. WhatsApp Communication

Shopcred uses WhatsApp to send payment reminders and transaction notifications. By using our service, you consent to receive these messages. You can opt-out of WhatsApp notifications at any time through the app settings.

8. Children's Privacy

Shopcred is not intended for users under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

9. Third-Party Links

Our app may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes through the app or via email. Continued use of Shopcred after changes constitutes acceptance of the updated policy.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy.

12. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance user experience, analyze usage, and deliver personalized content. You can control cookie preferences through your browser settings.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

  • Email: jawadtld@gmail.com
  • Phone: (+91) 9188576011
  • Website: https://shopcred.in

14. Governing Law

This Privacy Policy is governed by the laws of India. Any disputes arising from this policy will be subject to the exclusive jurisdiction of the courts in Kerala, India.

15. Data Protection Officer

For data protection inquiries, you may contact our Data Protection Officer at jawadtld@gmail.com.

By using Shopcred, you acknowledge that you have read, understood, and agree to this Privacy Policy.