Privacy Policy
Last updated: June 2026
Your privacy sits at the centre of how NestCred operates — not as a legal formality, but as a genuine design principle. This document explains, in plain terms, what data our mobile application ('App') collects, why we collect it, and how we keep it secure.
Installing and using the App indicates that you have read and accepted this Policy. If any part of it is not acceptable to you, please uninstall the App. We recommend reading this alongside our Terms of Service, which govern your credit account.
Delivering a reliable credit service requires us to collect specific categories of information. Below is a transparent account of each one.
Registering an account requires us to collect the information needed to establish and verify who you are: your full legal name, date of birth, mobile number, email address, and the identifying details from your government-issued document. All data is encrypted before transmission and held exclusively at: server.nestcred.co
Your device automatically transmits certain operational data — including model, operating system version, network IP, and Google Advertising ID — which we use to maintain platform security and stability. None of this information is used for advertising or credit-scoring purposes.
To protect against fraudulent activity, the App may read metadata from other applications installed on your device — limited to package identifiers and installation records. No app content, passwords, messages, or usage data is accessed. This information is used solely for fraud prevention.
Submitting identity documents requires camera access. Any image you capture is immediately encrypted and sent to server.nestcred.co for verification. Once the process is complete, the image is deleted. Camera access is never activated passively or without a direct action from you.
If you grant permission, the App may use your approximate location to confirm that our service is available in your area. We do not collect or retain precise GPS coordinates, and location data plays no role in advertising or credit decisions.
Anonymised, aggregated data about how users interact with the App — navigation paths, session lengths, and error events — helps us diagnose problems and improve the experience. This data cannot be traced back to any individual user.
We process personal data strictly for defined, legitimate purposes:
You may deny any optional permission at any time. Features that rely on a particular permission may become unavailable, but your core account will remain active. We will never access data from permissions you have not granted.
NestCred does not sell, trade, or rent your personal data. Disclosure to third parties occurs only where strictly necessary and only for the following purposes:
Every third party operates under binding confidentiality obligations and is prohibited from using your data for any purpose unrelated to NestCred's services.
Data security is built into our processes from the ground up. The following controls are in place at all times:
If you suspect your account has been accessed without your authorisation, contact us immediately at support@nestcred.co. We will investigate and act promptly.
Personal data is held only for as long as the purpose it was gathered for remains active, or as long as applicable law or regulation requires — whichever is the longer period.
After your account is closed and any mandatory retention window has elapsed, your data is either permanently deleted or rendered irrecoverable through anonymisation. Specific retention periods vary by data category and the laws that apply.
NestCred is built for adults. We do not accept registrations from individuals under 18, and our identity verification process is designed to detect and reject underage applications.
If we discover that an account belongs to a user under 18, we will close the account immediately, cancel any open transactions, and delete all associated data without delay. To report concerns about a minor's registration, contact us at support@nestcred.co.
As the person whose data we hold, you are entitled to:
To exercise any of these rights, write to us at support@nestcred.co. We will respond within a reasonable period after confirming your identity. We may ask you to verify who you are before we proceed.
This Policy will be revised from time to time to reflect changes in our services or applicable law. Significant amendments will be communicated through the App or by email before they take effect.
Minor corrections may be applied without prior notice and take effect immediately. The version date at the top of this page marks the current revision. Continuing to use the App after any update means you accept the revised Policy.
For questions, access requests, or any concerns about how we handle your personal data, our team is available to help.