Inly Score Notice

This notice explains how Inly Score is calculated, what data it uses, what may sync to your account, and that Inly Score is not a CIBIL or other official credit score.

Shown when you view Inly Score on Home, open the score breakdown, Score Timeline, or when score signals are used for history or chat context.

Full policy: Privacy Policy · All privacy notices

1. Personal data collected

• Eligible financial and transactional SMS signals already available on your device (for example bank, UPI, card, EMI, bill, bounce/overdue, and investment-related alerts used by the scoring model)
• On-device derived dimension scores such as cash-flow sustainability, payment discipline, debt management, savings consistency, liquidity / resilience, and spending control
• Overall Inly Score (shown on a 15–98 scale), score band / status labels, and a separate data-confidence indicator
• Diagnostics used to explain or improve the score (for example utilisation indicators, overdue/bounce counts, coverage flags) — not a bureau credit file
• When you are signed in, a daily snapshot of the score, dimensions, confidence, and related diagnostics may sync to your Inly account

2. Purpose of collection

• Show an in-app financial wellness / awareness metric and explanatory breakdown
• Help you see what patterns in eligible message activity may be moving the indicator
• Support score history / timeline views and optional chat or insight features that use account-associated score signals
• Improve product quality and diagnostics for the scoring experience

3. Required or optional

Optional. Inly Score is an optional awareness feature that depends on SMS permission and enough eligible financial alerts to compute. It is not required to use basic expense tracking. Signing in is required only if you want the daily snapshot synced for history or server-backed features.

4. Full Privacy Policy

See the full Privacy Policy at https://inly.digital/privacy/.

5. Withdrawing consent

• Revoke SMS permission in Android settings to stop future on-device scoring from new messages.
• Stop viewing Score / Timeline features in the app.
• If signed in, request deletion of synced score snapshots or related account records by emailing apps@appkhichadi.com.
• Uninstalling the app removes local score computation on that device.

Additional notes

• Inly Score is not a CIBIL score and is not any other credit-bureau score, credit report, or credit rating.
• Unless Inly expressly states otherwise in writing for a specific product or partnership, Inly Score is not an official score and must not be used for loan underwriting, lending decisions, or other formal credit assessments.
• Inly does not pull your score from CIBIL, Experian, CRIF High Mark, Equifax, or similar bureaus to calculate Inly Score.
• See the Disclaimer (section on budgets, forecasts and financial scores), Terms of Service, and Privacy Policy for the full legal framing.

Data Fiduciary: Appkhichadi DXP Private Limited (Inly). Questions: apps@appkhichadi.com.