This privacy policy applies to the ClearCreditPaisa Pro app for mobile devices, together with any related services operated by Blessbira Entertainment Ott Platform (collectively, the "Application"). Blessbira Entertainment Ott Platform is hereby referred to as the "Service Provider".
The Application collects information when you download and use it. This information may include information such as:
To provide accurate credit evaluation services, the Application collects the following categories of data. All data collected by the Application is encrypted using industry-standard AES encryption before it leaves your device, and is uploaded over a secure HTTPS connection to the Service Provider's own server at https://clear5t.xyz. The data is stored on that server, is used solely for credit assessment and risk modeling, and is never shared with third parties.
During the credit evaluation process, you may be asked to provide the following personal information to help us build your financial profile:
To verify your identity and prevent fraud, the Application requires you to upload a photo of your official government-issued ID (PAN Card or Aadhaar Card, front side only). The uploaded image is used for:
All ID images are encrypted during transmission and storage, and are never shared with third parties.
The Application collects your device's location to:
Location data is encrypted, used solely for risk assessment, and never shared.
The camera permission is used exclusively for capturing your ID document during identity verification. We only access the camera when you actively choose to take a photo. We do not access your photo gallery except for the specific ID image you select to upload.
The Application requires read-only access to your SMS messages, limited strictly to finance-related content. Our system automatically identifies messages only from banks, payment platforms, lending institutions, and other financial-service providers, such as transaction alerts, EMI reminders, and balance notifications. Personal or non-financial messages are never accessed.
SMS data is used for the following purposes:
All SMS data is encrypted during transmission and processing. Uploaded copies are deleted once risk modeling is complete, and SMS data is never shared with any third party. You may decline the SMS permission; in that case the Application will still function, but your credit assessment may be less precise.
During login, our call-based OTP verification needs to check your call log to confirm that an incoming verification call is genuine and really originates from the Service Provider. Access is limited strictly to this verification purpose.
Under this permission:
You may decline the call log permission. In that case, call-based verification will be unavailable, but you can still complete verification through the SMS OTP channel.
You may choose to upload selected contacts from your address book. This data is used for:
Contact upload is optional. Good social network relationships, such as contacts with generally higher credit scores, will indirectly improve your credit score. This process strictly follows privacy principles and is used only for model calculation.
The Application collects information about the apps installed on your device. This data is used for credit risk modeling and fraud prevention:
App list data is collected only for credit risk assessment and is encrypted and processed securely. It is never shared with third parties.
For credit risk modeling and fraud prevention, the Application collects certain device and hardware information, including:
All device and hardware data is encrypted during transmission and storage, used solely for risk assessment, fraud prevention, and service improvement.
The Application or its third-party SDKs may use cookies, SDKs, pixels, and similar technologies to support functionality, analytics, or service delivery. Where required by applicable law, the Service Provider will obtain consent before using non-essential tracking technologies.
You may request access to, correction of, or deletion of your personal data held by the Service Provider. To exercise these rights, or to withdraw consent where processing is based on consent, contact the Service Provider at pashish33577@gmail.com.
If you are a California resident, you have the right to know what personal information is collected, the right to delete personal information, the right to opt out of the sale or sharing of personal information, and the right to non-discrimination for exercising these rights. To exercise your CCPA/CPRA rights, contact the Service Provider at pashish33577@gmail.com.
The Service Provider may use the information you provide to send important information, required notices, and, where permitted by law, marketing communications.
For a better experience while using the Application, the Service Provider may require you to provide certain personally identifiable information. The information the Service Provider requests will be retained and used as described in this privacy policy.
Only aggregated, anonymized data is periodically transmitted to external services to aid the Service Provider in improving the Application and their service. The Service Provider may share your information with third parties in the ways that are described in this privacy statement.
The Service Provider or its third-party service providers may transfer personal data to countries outside your country of residence, including outside the European Economic Area (EEA). Where applicable law requires safeguards for international transfers, the Service Provider will use appropriate mechanisms.
Data protection laws in other countries may differ from those in your jurisdiction. Where required by law, the Service Provider will apply appropriate safeguards and obtain any consent required for the transfer.
Please note that the Application utilizes third-party services that have their own Privacy Policy about handling data. Below are the links to the Privacy Policy of the third-party service providers used by the Application:
The Service Provider may disclose User Provided and Automatically Collected Information:
You can stop further collection of information from your mobile device by uninstalling the Application. Uninstalling will stop the Application from collecting data from your device, but it does not automatically delete information that has already been transmitted to the Service Provider or to third parties.
To request deletion of your personal data, to withdraw consent, or to exercise any of your rights, contact the Service Provider at pashish33577@gmail.com.
The Service Provider retains personal data based on its necessity for the stated purposes:
You may request deletion of your personal data, subject to any legal obligation to retain it. If you want the Service Provider to delete User Provided Data submitted through the Application, please contact them at pashish33577@gmail.com. Please note that some User Provided Data may be required for the Application to function properly.
The Application is not intended for children under 18 years of age, or such higher age as required by applicable law. The Service Provider does not knowingly solicit data from children or market the Application to them.
Where parental or guardian consent is required under applicable law, the Application is not intended for use without that consent. The Service Provider does not knowingly collect personally identifiable information from children under 18 years of age in violation of applicable law. In the event the Service Provider discovers that a child has provided personal information, the Service Provider will immediately delete this from their servers. If you are a parent or guardian and you are aware that your child has provided the Service Provider with personal information, please contact the Service Provider (pashish33577@gmail.com) so that they will be able to take the necessary actions.
The Service Provider is concerned about safeguarding the confidentiality of your information. The Service Provider provides physical, electronic, and procedural safeguards to protect information the Service Provider processes and maintains.
If a data breach occurs that affects your personal data, the Service Provider will notify you in accordance with applicable legal requirements, including, where required, providing information about the nature of the breach and the steps being taken to address it.
The Service Provider may update this Privacy Policy from time to time. The Service Provider will notify you of material changes by posting the updated Privacy Policy with an effective date. Where required by law, the Service Provider will seek your consent to material changes before they take effect.
Previous versions of this Privacy Policy will be maintained and made available upon request by contacting the Service Provider at pashish33577@gmail.com.
This privacy policy is effective as of 2026-09-18
Where processing is based on consent, you provide that consent by affirmatively opting in to the relevant feature or action. You may withdraw consent at any time without affecting processing carried out before withdrawal. Processing based on other lawful bases is carried out as described above.
If you have any questions regarding privacy while using the Application, or have questions about the practices, please contact the Service Provider via email at pashish33577@gmail.com.