Your privacy is important to us. This Privacy Policy explains the privacy practices of VSKOR BILGI TEKNOLOJILERI AS., (“VSKOR”) with respect to VSKOR’s mobile application (“Application”.) It describes gives a detailed description of the information collected by the app, how it is used and how we protect your privacy.

 

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  1. THE INFORMATION WE COLLECT

 

We don’t collect any Personal Identifiable Information or any Personal Data from you. This app is an isolated environment when it comes to data collection and information usage. No data or information used by this app is communicated or transferred to the outside world:

 

-We do not collect your identity

-We do not collect any unique device identifier

-We do not ask your personal credentials

-We do not ask your phone number, name, address, anything that would define who you are.

-We do not collect your location.

-We do not collect any ADID s.

-We do not collect any other information specific to your device.

 

The only communication between your device and our servers is a randomly generated temporary number to send you back a token. Token is another random number attached to that temporary number so that the app calculates your new credit scoring securely. In other words, we set up a token authorization system for your credit queries so that unauthorized third-party programs cannot access or use your credit score on your behalf. This authorization establishes the authenticity of your query without knowing your identity or any single unique identifier that belongs to you. The process does not keep any history and we do not know if the same device requested a query before.

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  2. THE INFORMATION VSKOR APP COLLECTS

 

VSKOR is designed and calculated with the intention that it can be used in institutions that extend micro/macro credit or need an alternative credibility measure to consider leasing you a car or home.

 

To this end, VSkor App requires some information from your mobile device in order to (i) calculate your credit score and (ii) inform you about the third-party applications exist in your phone without the protection of Play Store.

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Please note all of the information that the App collects remain strictly within your phone and DOES NOT LEAVE YOUR PHONE under any circumstances. 

 

     i. The App collects following information to calculate VSkor:

 

• Precise Location

• Third party app lists (the apps that exist in your phone)

• Nearby Bluetooth devices

• Bluetooth devices you are connected

• Your network connections

• Device model

• Device settings

 

This information list constitutes the necessary minimum information for the calculation of high confidence, reliable and accurate Credit Score. Missing one or more components from this list will result in low confidence in calculation and less accurate Credit score.

 

     ii. The App also collects the app list on your device to identify the presence of any third-party applications that may carry high risk because:

 

• they did not go through Google store policy review or do not meet Store policy requirements and may contain harmful processes

• they can be used as an agent to have access to your personal/financial information.

 

  3. CHANGES TO OUR PRIVACY POLICY

 

Our Privacy Policy may change from time to time. We will post all changes to this Privacy Policy on this page and will indicate at the top of the page the modified policy’s effective date. We therefore encourage you to refer to this page on an ongoing basis so that you are aware of our current privacy policy.

 

  4. CONTACT INFORMATION

 

We welcome your comments or questions regarding this privacy policy. Please contact us at info@VSKOR.net

 

 

Last Updated: December 23, 2022