Data Safety

Last updated: June 21, 2026

At Credgy, we believe your financial strategies are personal. We maintain clear boundaries regarding data access, protection, and minimization to ensure a safe environment for your financial tracking.

1. Data Types Collected & Declared

In strict compliance with global mobile app store frameworks, we explicitly declare the collection of the following data categories:

• Personal Information & Identifiers: Mobile phone number (required for OTP verification), along with user-submitted optional profile details including city, gender, employment type, and date of birth.
• Financial Records: User-inputted financial balances, loan tracking goals, and simulation parameters. This data stays within the app ecosystem and is never cross-shared with credit rating agencies.
• App Health & Analytics: System diagnostic signals, latency tracks, and crash signatures.

2. Core Security Controls

• Encryption In Transit: All data passing between your mobile device and our cloud servers uses secure HTTPS/TLS 1.3 tunnels, preventing interception.
• Encryption At Rest: Databases housing user profiles and simulation parameters are fully encrypted using AES-256 protocols.
• Access Control: Internal system access is restricted through role-based access management and multi-factor authentication, ensuring only authorized automated processes handle backend resources.

3. App Store Verification Statement

Credgy confirms that users can request the complete deletion of their data at any time. Our data deletion mechanism satisfies both the Google Play and Apple App Store user data protection frameworks.

4. Contact

Security and engineering inquiries can be directed to: reach@credgy.com