Privacy Policy

hIntroduction

This is the Privacy Policy of Analog Legalhub Tech Solutions Pvt. Ltd. (“FixMyScore.ai”, “Company”, “we”, “us”, or “our”)”). The Policy applies to products and services of FixMyScore.ai.

To provide our services we collect and process information that identifies you, including your PAN and your credit information. Some additional information is collected automatically when you use our applications and services, as described below. This Privacy Policy governs your access of the FixMyScore.ai service, regardless of how you access it, and by using our services, you consent to the collection, transfer, processing, storage, disclosure and other uses described in this Privacy Policy.

We collect and process personal data only for specific purposes, including:

  • Fetching credit reports from authorized bureaus
  • Providing credit score analysis and improvement recommendations
  • Generating personalized insights, including video-based explanations
  • Enabling bill payments and tracking outstanding obligations
  • Providing customer support
  • Responding to your queries through our AI Assistant and providing personalised guidance in relation to your credit position
  • Facilitating settlement and waiver requests with your lenders, where you have authorised us to do so

When we post changes to this Privacy Policy, we will include the date when the Policy was last updated. If we significantly change this Policy, we will notify you about the upcoming change via our website or using e-mail and/or in-app notifications. We encourage you to review this Privacy Policy periodically.

User-submitted data

Certain pieces of information we will only process when you submit it to us.

For example, to create a FixMyScore.ai account and access our credit score and payment services, we may collect the following personal information:

1. Full Name

2. Phone Number

3. Address and Pincode

4. Date of Birth

5. Email ID

6. PAN Number

7. Consent for CRIF Credit Report Pull

8. Credit Information Report (CIR) and associated data as retrieved from CRIF

9. Consent-based access to in-phone permissions such as SMS, contacts, and notifications (for functionality and scoring insights)

10. In-app user behavior and interactions, including navigation, feature usage, session duration, and app event tracking

11. BBPS-linked biller and account data (when users make payments through our platform)

12. AI Assistant conversation content — the messages you send to our AI Assistant, and our responses, together with the context provided to it about your credit position

13. Settlement and waiver information — information you provide about your financial circumstances, ability to pay, the reasons for a default, the amount and timing of any payment you are able to offer, and any supporting documentation you submit

This data enables us to fetch your credit report, analyze your financial health, provide personalized recommendations, and facilitate payments.

You may delete or modify the submitted data using your profile page. We may retain your data for some time after you’ve discontinued your FixMyScore.ai account in case you change your mind.

When you use the service, we automatically record information from your device, its software, and your activity using the services. This may include the device’s Internet Protocol (“IP”) address, browser type, the web page visited before you came to our website, search terms you submit to our website, geographic location, identification numbers associated with your devices, date and time stamps associated with activity on the website, system configuration information, metadata concerning file you upload to FixMyScore.ai’s website platform, and other interactions with the service.

Note also that FixMyScore.ai allows you to sync your browser data, such as data entries, between devices that have FixMyScore.ai applications and services installed on them. Profile sync relies on your FixMyScore.ai account and follows the same privacy approach.

We will use this data only to provide the services you have requested and will not retain your data any longer than necessary to fulfill that specific purpose.

Usage statistics

This information helps us to improve our products and services. We have no practical way to use this information to identify you personally.

We use this information for certain legitimate business purposes, namely:

1. To understand better how people interact with our applications and services;

2. To enhance, modify, personalize, or otherwise improve applications and to provide AI-powered credit insights and relevant value-added services that will enable you to take informed decisions

3. To determine the effectiveness of promotional campaigns and advertising.

4. To monitor, detect, debug and fix crashes in our applications and services.

5. To prevent security breaches and abuse.

AI Assistant

Where you interact with our AI Assistant, we process personal data in order to understand your query and provide an accurate, personalised response.

What we process?

In connection with the AI Assistant we may process: the content of your messages, including anything you choose to type or upload; your interaction history and any earlier conversations, so that context is retained across a conversation and between conversations; information you have already provided to us, including your name, contact details and profile information; and information we hold about your credit position, including credit report and credit score data, account and tradeline details, account status, overdue amounts and repayment history. Some of this information is provided to the AI Assistant automatically, before or during your conversation, so that it can respond accurately to your specific situation without requiring you to repeat it.

Why?

To respond to your queries; to provide personalised guidance in relation to your credit position; to draft correspondence at your request; to route your query to the appropriate team; to maintain a record of our interactions with you; to investigate complaints and grievances; and to monitor and improve the accuracy, safety and quality of the AI Assistant.

Sub-processors and model providers

The AI Assistant is built on artificial intelligence technology provided by third-party service providers. Where we use such a provider, your data is disclosed to that provider solely for the purpose of generating a response to you and on the basis of contractual terms which restrict its use of that data to that purpose. Such providers act as our processors and are not permitted to use your personal data for their own purposes. We do not instruct, and will not instruct, any such provider to use your personal data to train its general-purpose models. Where such a provider processes data outside India, that transfer is made in accordance with applicable law.

Human review

‍ Conversations with the AI Assistant may be reviewed by our authorised personnel for the purposes of quality assurance, safety monitoring, complaint investigation, training our staff and improving the service. Access is limited to personnel who require it for those purposes.

Use for improvement of the AI Assistant

‍ With your consent, we may use conversation data to evaluate and improve the AI Assistant. Where we do so, we take reasonable steps to remove or mask direct identifiers. You may withdraw that consent at any time, using the controls in the application or by contacting us, without affecting your ability to use the AI Assistant.

After your conversation ends

‍ When a conversation ends, the transcript is stored against your account for the retention period stated in the Retention section below. It may be: read by our authorised personnel if you escalate, complain, or ask a question that requires the earlier context; used to provide continuity if you return, so that you do not have to repeat your situation; and summarised into your account record so that our teams can assist you consistently. Transcript content is not disclosed to any lender. Where you have authorised us to negotiate on your behalf, only the information described in your settlement consent — not your conversation transcript — is shared with the lender. You may ask us to delete a specific conversation, or to stop retaining context between conversations, using the controls in the application or by contacting us; where you do, the AI Assistant will no longer have the benefit of that earlier context and you may need to provide the information again.

Automated decision-making

The AI Assistant provides information and guidance. It does not make decisions about your eligibility for any product, about your credit score, or about the acceptance of any settlement or waiver. Such matters are determined by the relevant lender or credit information company, and settlement and waiver requests are handled by our human representatives. See §12 of our Terms of Service.

Your choices

You are not required to use the AI Assistant and may request a human representative at any point. Please do not share information with the AI Assistant that is not necessary for your query — in particular, do not share passwords, full card numbers, one-time passwords, banking credentials or the personal data of other individuals. Your rights in relation to your personal data, including access, correction, erasure, nomination and grievance redressal, are set out in the “Your rights” section of this Policy and apply equally to data processed in connection with the AI Assistant. You may withdraw your consent to the processing described in this section as easily as you gave it, by using the controls in the application or by contacting our Grievance Officer; if you do, we will stop providing the AI Assistant to you, and this will not affect the lawfulness of processing carried out before withdrawal.

Disclosure of your personal information

We share your personal information outside the Company only in the limited circumstances described below.

In this regard, you hereby provide consent to share your personal information with third parties in limited circumstances, including:

1. with your consent; or

2. to a processor acting on our instructions, who meets our data protection standards, and only for the purposes described in this Policy; or

3. When we have a good faith belief it is required by law, such as pursuant to a legal process.

4. To authorized credit bureaus (e.g., CRIF High Mark) for pulling your CIR with consent.

5. To BBPS/NPCI-authorized bill payment processors when you initiate a payment

6. To third-party service providers such as Acadian Technologies Private Limited (“VSPAGY”), solely for generating personalized user insights and video-based explanations, based on explicit user consent.

7. To your lenders, and to any recovery agent, asset reconstruction company or agency acting for them, where you have authorised us to negotiate a settlement or waiver on your behalf — limited to the information described in §11 of our Terms of Service, and only for the account you have specified. Your AI Assistant conversation transcripts are not disclosed to lenders.

8. To third-party providers of artificial intelligence services, including large language model providers, solely to generate responses to your queries through the AI Assistant — on the terms described in the AI Assistant section above.

We share personal data with third parties only after obtaining explicit user consent, except where required by law.

FixMyScore.ai collects such information only insofar as is necessary to fulfil the purpose of the interaction with FixMyScore.ai. FixMyScore.ai does not disclose personal information other than as described above. You can always refuse to supply your personal information, with the caveat that it may prevent them from engaging in certain websites or mobile application related activities.

Cookies

We also use cookies to collect information and improve our services. We may use persistent cookies to save your registration ID and log-in password for future logins to the service. We may use “session ID cookies” to enable certain features of the service, to better understand how you interact with the service and to monitor aggregate usage and web traffic routing on the service. You can instruct your browser, by changing its options, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. If you would like to reject third-party cookies, please configure your browser’s settings accordingly. If you do not accept cookies, however, you may not be able to use all aspects of the Service.

Third parties

FixMyScore.ai utilizes third-party vendors and hosting partners, such as Amazon Web Services (“AWS”) and Google Cloud Platform (“GCP”) for hardware, software, networking, storage, and/or ancillary technology required to run FixMyScore.ai.

The use of third-party vendors, hosting partners and/or platforms such as AWS and GCP, and the privacy practices of these platforms, are governed by separate terms, conditions and policies for which FixMyScore.ai is not responsible. You should review AWS’s and GCP’s terms, conditions and policies where you will find more details on how information about you is used on their platforms and how you can set your privacy preferences.

We also integrate with:

  • CRIF High Mark for credit information retrieval
  • NPCI and BBPS infrastructure for bill payments
  • Payment gateways for subscriptions

‍

These third parties are governed by their own privacy policies and are contractually obligated to comply with applicable data protection regulations.

We use a third-party service provider, Acadian Technologies Private Limited (“VSPAGY”), to generate personalized video insights for users based on their credit profile.

When you opt to access personalized video insights, we may securely share the following limited data with VSPAGY:

  • First name
  • Credit score
  • Key credit factors (such as payment history, credit utilization, and account status)

This data is shared strictly for the purpose of generating personalized video explanations within the app.

We do NOT share sensitive personal information such as PAN number, full address, or phone number with VSPAGY.

VSPAGY is contractually obligated to:

  • Use the data only for the specified purpose
  • Not retain or reuse the data beyond processing requirements
  • Maintain data protection standards equal to or higher than ours
  • Use the data only for the specified purpose
  • Not retain or reuse the data beyond processing requirements
  • Not use the data to train its general-purpose models
  • Maintain data protection standards equal to or higher than ours

‍

Business transfers

If we merge with another corporation, or in the unlikely event go out of business or enter bankruptcy, such that your information will become subject to a different privacy policy, we will notify you before the transfer and/or bankruptcy. You can opt out of the new policy by deleting your account during the said notice period.

Your rights

Under the Digital Personal Data Protection Act, 2023 you have the right to:

  • Access a summary of the personal data we process about you and the processing activities undertaken
  • Correction and completion of inaccurate or incomplete personal data, and erasure of personal data no longer necessary for the purpose for which it was collected
  • Withdraw your consent at any time, as easily as you gave it. Where you withdraw consent we will cease the relevant processing and delete or anonymise the data, save where retention is required by law or to establish, exercise or defend a legal claim
  • Nominate another individual to exercise these rights on your behalf in the event of your death or incapacity
  • Grievance redressal — to raise a grievance with our Grievance Officer, whose details are set out below, and to escalate to the Data Protection Board of India if you are not satisfied with our response

To exercise any of these rights, contact our Grievance Officer. We will respond within 3-4 business days. We may ask you to verify your identity and to provide information that helps us understand your request. If we do not comply with a request in whole or in part, we will explain why.

Rights in relation to your credit information. Separately from the above, you have the right to dispute the accuracy of credit information reported about you, with the relevant lender or Credit Information Company. Where an account is inaccurately reported, we will assist you in raising a correction request. See §10 of our Terms of Service.

Contact us

We are very open about privacy and recognise your trust as a great value. If you have any questions about this policy or any privacy-related issues in our applications and/or services, feel free to contact us at info@fixmyscore.ai

‍

‍

‍