Privacy Policy

1. Information We May Collect

We collect information only to the extent reasonably necessary to provide app functions, protect account security, improve service performance, and comply with legal obligations.

1.1 Account Information

When you register or sign in to Qevra, we may collect your phone number.

Your phone number is used only for account registration, login, identity verification, and account-related purposes.

1.2 Camera Information

If you choose to upload or change your profile photo, we may request access to your camera.

Camera access is used only when you actively initiate a photo capture or upload action. Qevra does not access your camera without your direct action.

1.3 Device Information

To support app security and maintain stable operation, we may collect limited device-related information, including:

• Device model
• Device manufacturer
• Operating system version
• Device identifiers used for security purposes

This information is used only for account protection, risk prevention, troubleshooting, and system stability.

1.4 SMS Information (If Authorized)

With your explicit permission, Qevra may access certain financial SMS messages stored on your device for the purpose of identifying repayment-related information, such as:

• Loan repayment confirmation messages
• Credit card repayment confirmation messages
• Other payment messages relevant to repayment proof identification

This permission is used only to identify repayment-related information and automatically create repayment proof records so that you can review and manage past repayment details more easily.

SMS messages that are not relevant to this feature are not used for this purpose. SMS processing takes place locally on your device. We do not upload, share, or use SMS content for unrelated purposes unless you have consented or disclosure is required by law.

SMS permission is optional, and you may grant, deny, or revoke it at any time through your device settings.

1.5 Approximate Location Information

We may collect approximate location information, such as city-level or regional-level location, in order to:

• Confirm whether our services are available in your area
• Support regional compliance requirements and basic risk control checks

We do not collect precise location data, and we do not perform continuous location tracking.

2. How We Use Information

• To provide, maintain, and improve Qevra’s core functions
• To register and manage your account
• To verify identity and protect account security
• To identify repayment-related SMS messages and create repayment proof records
• To support the normal use of tool features such as the EMI Calculator
• To detect and prevent fraud, abuse, unauthorized access, or other security risks
• To troubleshoot issues, improve performance, and enhance user experience
• To comply with applicable laws, regulations, and regulatory obligations

3. Local Processing of SMS Data

4. Data Storage and Security

We implement reasonable technical and organizational safeguards to protect your information against unauthorized access, disclosure, alteration, or destruction.

Information related to account operation, service delivery, and security protection may be transmitted through encrypted channels, such as HTTPS, and stored on secure servers at qevrapro.com.

Although we take reasonable measures to protect your information, no internet transmission or electronic storage method can be guaranteed to be completely secure.

5. Data Sharing and Disclosure

We do not sell, rent, or trade your personal information.

We may disclose limited information only when necessary:

• To comply with laws, regulations, court orders, or regulatory requirements
• To respond to lawful requests from government authorities or law enforcement
• To protect the rights, safety, security, or integrity of users, the platform, or the public

Any disclosure will be limited to the minimum scope necessary.

6. Your Rights and Choices

You may manage app permissions through your device settings, including granting, denying, or revoking permissions such as SMS, camera, and location. If certain permissions are disabled, related features may not be available.

You also have the right to access, update, or delete your personal information.

If you wish to delete your account and related data, you may do so in the app through:

Once the deletion process is completed, personal information associated with your account will be removed from our systems, except where retention is required by applicable law.

7. Data Retention

We retain information only for as long as necessary to fulfill the purposes described in this Privacy Policy or for the period required by applicable law.

When information is no longer needed, it will be securely deleted or anonymized.

8. Children’s Privacy

Qevra is intended only for individuals aged 18 or above.

We do not knowingly collect personal information from minors.

9. Changes to This Policy

We may update this Privacy Policy from time to time. If we make changes, we will revise the Effective Date at the top of this page.

Your continued use of Qevra after any update takes effect means that you accept the revised Privacy Policy.

10. Contact Us