Credit Guide
Credit Guide uses SMS (financial messages only for cash flow), camera (profile photo), and location (service availability) to deliver accurate credit estimates. All data is encrypted, transmitted to our secure backend for real‑time calculation, and never stored.
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Credit Guide requires a few permissions to give you the most accurate credit estimation:
All collected data is encrypted and sent to our backend servers for instantaneous calculation. We do not store any personal information – after the estimation is delivered, your data is discarded. No retention, no sharing, no profiling. An integrated EMI calculator is also available to help you plan loan repayments.
Advanced algorithms on our secure servers process your financial data to return an instant credit score estimate.
We scan only transaction alerts and bank messages to understand your cash flow. Other SMS are never accessed.
Take or upload a profile photo – it’s sent encrypted and used only for in‑app personalization.
Your location tells us if Credit Guide is available in your area and ensures compliance with regional policies.
Data is transmitted via TLS, processed in real time, and immediately deleted from our servers — we keep nothing.
Plan your loan repayments with a simple, built‑in EMI calculator — works offline.
Credit Guide provides estimated credit scores for reference only. Actual scores used by financial institutions may differ. The app requires SMS, camera, and location permissions to function as described. Final loan approval decisions rest solely with lenders. By using the app, you consent to the necessary data transmission for calculation — no data is stored after processing.
Even though we use cloud processing, your privacy remains our foundation. Here’s how we protect you:
With Credit Guide, your information is used solely to generate your credit estimate and then disappears — because privacy and convenience can coexist.
Download Credit Guide today and get a real‑time credit estimate using SMS, camera, and location — with the assurance that your data is never stored. Take control of your financial profile without sacrificing privacy.
By downloading, you agree to the requested permissions (SMS, camera, location) for full functionality.
connect@grina.cc
Grina Technologies (P) Ltd
41/757 Thundathil House
T N Puram Manaca ud
Thiruvananthapuram, Kerala
India - 695009
We develop privacy‑forward applications that empower users without compromising their personal data — even in cloud‑based services.
Yes — we use end‑to‑end encryption and delete your data immediately after calculation. We never store what you send.
No. We only process messages that match financial patterns (e.g. bank transactions). All other SMS are completely ignored.
Yes, Credit Guide is completely free with no hidden charges or in‑app purchases.