This policy explains what information Score Mithra Fintech Services collects, why we collect it, how it's stored and
protected, and the choices you have over it. By using our website or app, you agree to the practices
described here.
1. Information we collect
We collect information you provide directly, information generated through your use of the service, and
information we receive from third parties such as credit bureaus. This includes:
- Identity details — name, date of birth, PAN, Aadhaar (for verification purposes only),
mobile number and email address.
- Financial & credit information — credit score, credit report data, loan and credit
card account details, payment history, and enquiry history.
- Account & usage data — login activity, device information, IP address, browser type,
and pages you visit on our site or app.
- Payment information — billing details for paid plans, processed through secure,
PCI-compliant third-party payment gateways. We do not store full card numbers on our servers.
- Communications — messages you send us via the contact form, email or phone, including
support tickets and dispute correspondence.
2. Credit bureau data
To show you your score and generate a repair plan, we connect to credit bureaus — including TransUnion CIBIL,
Experian, Equifax and CRIF High Mark — with your explicit consent. We pull your credit report and score from
these bureaus and merge them into a single summary on your dashboard.
This connection is used only to retrieve and display your own credit information and to file disputes on
your behalf when you request it. We do not use your bureau data to build profiles for advertising or sell it
to lenders without your separate, specific consent (for example, when you use our loan-eligibility check).
3. How we use your information
- To create and maintain your account and verify your identity.
- To retrieve, merge and display your credit score and report across bureaus.
- To identify negative or incorrect entries and generate your personalised repair plan.
- To file and track disputes with bureaus or lenders on your behalf, when requested.
- To send score alerts, service updates, and — where you've opted in — promotional communication.
- To process payments and manage your subscription.
- To detect fraud, secure our systems, and comply with legal or regulatory obligations.
- To improve our product through aggregated, de-identified analytics.
4. Sharing & disclosure
We do not sell your personal or credit information. We share data only in these situations:
- Credit bureaus — to pull your report and to submit disputes you've authorised.
- Service providers — payment processors, cloud hosting, and analytics providers who
process data on our behalf under confidentiality obligations.
- Lenders — only where you explicitly opt in, such as checking loan eligibility.
- Legal & regulatory bodies — where required by law, court order, or to protect the
rights, safety or property of Score Mithra Fintech Services and its users.
- Business transfers — in the event of a merger, acquisition or asset sale, with notice to
you.
5. Data security
All data in transit is encrypted (TLS/SSL), and sensitive data at rest is encrypted using industry-standard
methods. Access to your credit and financial information is restricted to authorised personnel on a
need-to-know basis, and our systems are monitored for unauthorised access. No method of transmission or
storage is 100% secure, and while we work to protect your information, we cannot guarantee absolute security.
6. Data retention
We retain your personal and credit information for as long as your account is active, and for a reasonable
period afterward to comply with legal, tax, dispute-resolution and regulatory obligations. You can request
deletion of your account and associated data at any time, subject to records we're legally required to keep.
7. Your rights & choices
Depending on applicable law, you have the right to:
- Access the personal data we hold about you.
- Correct inaccurate or incomplete information.
- Withdraw consent for bureau data pulls or marketing communication at any time.
- Request deletion of your account and data, subject to legal retention requirements.
- Opt out of promotional emails and SMS via the unsubscribe link or by contacting support.
To exercise any of these rights, reach out using the contact details below.
8. Cookies & tracking
We use cookies and similar technologies to keep you logged in, remember preferences, and understand how our
site is used. You can control cookies through your browser settings; disabling them may affect some site
functionality.
9. Children's privacy
Score Mithra Fintech Services is not intended for individuals under 18. We do not knowingly collect data from minors. If you
believe a minor has provided us information, please contact us so we can remove it.
10. Changes to this policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal
requirements. We'll post the revised version here with an updated "Last updated" date, and notify you of
material changes where required.
If you have questions about this policy or how your data is handled, reach out to us:
- Email: help@scoremithra.in
- Phone: +91 9912564352
- Hours: Mon – Sat, 9am – 7pm
- Office: India