Score Dr Credit Score Solutions ("Score Dr", "we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with India's Digital Personal Data Protection Act, 2023 (DPDP Act) and applicable regulations.

1. Information We Collect

1.1 Information You Provide

Full name, mobile number, and email address when you submit an enquiry or contact form
Credit issue type and any details you voluntarily share about your financial situation
Identity documents (Aadhaar, PAN, etc.) and financial documents (bank statements, credit reports) when you engage our services
Payment information processed through secure payment channels

1.2 Information Collected Automatically

Browser type, operating system, and device information
Pages visited, time spent, and referring URLs (via standard web analytics)
IP address for security and fraud prevention purposes

2. How We Use Your Information

To respond to your enquiries and provide credit repair consultancy services
To analyse your credit reports and develop a personalised resolution strategy
To communicate service updates, case progress, and follow-up reminders
To file disputes with credit bureaus (CIBIL, Experian, CRIF, Equifax) on your behalf
To process payments and maintain financial records as required by law
To improve our website and service quality through aggregated analytics
To comply with applicable laws, regulations, and regulatory requirements

3. Legal Basis for Processing

We process your personal data on the following legal bases under the DPDP Act, 2023:

Consent: When you submit a contact form or engage our services, you provide explicit consent for us to process your data for the stated purposes.
Contractual necessity: Processing required to deliver the services you have engaged us for.
Legal obligation: Processing required to comply with applicable laws and regulations.
Legitimate interests: For security, fraud prevention, and service improvement.

4. Information Sharing

We do not sell, rent, or trade your personal information. We may share your data with:

Credit bureaus (CIBIL/TransUnion, Experian, CRIF, Equifax) — only as required to file disputes on your behalf with your explicit consent
Banks and financial institutions — solely for the purpose of resolving disputes related to your accounts with your authorisation
Service providers — our secure cloud infrastructure providers bound by confidentiality obligations
Legal authorities — when required by law, court order, or regulatory authority

5. Data Security

We implement industry-standard technical and organisational security measures to protect your personal data, including:

Encrypted data transmission using SSL/TLS protocols
Access controls ensuring only authorised staff can access client data
Secure cloud storage with Row-Level Security enforced at the database level
Regular security assessments and staff training on data protection

No method of transmission over the internet is 100% secure. While we strive to use commercially acceptable means to protect your data, we cannot guarantee absolute security.

6. Data Retention

We retain your personal data for as long as necessary to provide our services and comply with legal obligations. Client case files are retained for a minimum of 7 years as required under applicable Indian financial regulations. Enquiry data from website forms is retained for up to 3 years. You may request deletion of your data subject to legal retention requirements by contacting us.

7. Your Rights Under DPDP Act, 2023

As a data principal under the Digital Personal Data Protection Act, 2023, you have the right to:

Access: Request a copy of the personal data we hold about you
Correction: Request correction of inaccurate or incomplete data
Erasure: Request deletion of your personal data, subject to legal retention obligations
Grievance redressal: File a complaint with our designated grievance officer
Nomination: Nominate a person who can exercise your rights in the event of your death or incapacity

To exercise any of these rights, please contact us at info@scoredr.in.

8. Cookies

Our website uses essential cookies required for basic functionality. We do not use advertising or tracking cookies. By using our website, you consent to the use of essential cookies as described. You may configure your browser to refuse cookies, though some features may not function correctly.

9. Third-Party Links

Our website may contain links to third-party websites including credit bureau portals. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies before providing any personal information.

10. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes by posting the updated policy on this page with a revised "Last updated" date. Your continued use of our services after any changes constitutes acceptance of the revised policy.

11. Grievance Officer & Contact

Score Dr Credit Score Solutions

Grievance Officer: Score Dr Management

Email: info@scoredr.in

Phone: +91 93479 49451

Address: 6-296/1, Suchitra X Road, Near Suchitra, Raghavendra Colony, Aeronautic Enclave, Jeedimetla, Hyderabad, Telangana 500067

We will respond to all privacy-related requests within 30 days.