Credit Compass Privacy Policy

Effective date: 21 September 2026

Credit Compass is an offline personal-finance and credit-health education application. This policy applies to version 1.1.0.

SMS permission — what we read and why

Credit Compass requests the READ_SMS permission to scan your SMS messages for financial notifications from banks, billers, and lenders. This allows the app to identify patterns such as EMI payments, bill due dates, bank credits/debits, and balance alerts, which are used to calculate an educational credit-health score.

What happens to your SMS data:

• SMS content is read only on your device. The app does not transmit, upload, store on a server, or share any SMS content, sender information, or derived data with any third party.
• The only data persisted is the computed score (an integer 0–100) and the timestamp of the last scan, stored in the app's private local storage.
• Raw SMS content is not saved by the app. Each scan processes messages in memory and discards the text immediately after classification.
• The user must explicitly grant SMS permission. The app will not read SMS until permission is granted, and the user can revoke permission at any time via Android Settings.

Other information handling

The transactions, budget amount, and optional self-check responses that you enter are saved only in the app's private storage on your device. The app does not request access to contacts, call logs, location, camera, files, bank accounts, advertising identifiers, or notifications.

Credit-health self-check and SMS-based score

The self-check and SMS-based score are educational tools. They are not a consumer credit report, credit score, bureau record, lending decision, or financial advice. They do not affect an actual credit record or eligibility for any product.

Deletion

You can delete all locally stored app data at any time by using Android Settings → Apps → Credit Compass → Storage → Clear storage, or by uninstalling the app. To revoke SMS access, use Android Settings → Apps → Credit Compass → Permissions → SMS → Deny.

Changes

If a future version changes its data practices, this policy and the Google Play Data safety form will be updated before that version is released.

For questions about this policy, use the support email displayed on the Google Play listing.