Privacy Policy

1. Introduction

CREDIT DYNASTY LIMITED ("we", "us", "our") is committed to protecting your personal data and privacy. This Privacy Policy explains how information is handled when you use the MI COMPANERO mobile application ("App"). We comply with the Personal Data (Privacy) Ordinance (Cap. 486) of the Laws of Hong Kong.

2. Data Security & Local Storage

We prioritize your privacy and have designed the App to minimize data collection. All information about your finances is securely protected and stored locally on your device. We do not collect, transmit, or store this data on our servers. This includes: Your personal financial profile (income, expenses, debts). Any contract documents (PDF/DOC) you upload for safety analysis. Your calculated credit scores and loan simulation results. Because this data remains exclusively on your device, you have complete control over it. If you delete the App, this local data will be permanently removed.

3. Information We Collect

Since your financial data is stored locally, the information we actually collect is strictly limited to: Voluntary Communications: Personal data you provide directly if you contact our support team (e.g., your name, email address, and the contents of your message). Technical & Usage Data: Anonymous, non-identifiable technical data (e.g., device type, operating system version, crash logs, and general usage statistics) to help us maintain the App's stability and improve user experience.

4. Use of Your Information

The limited data we do collect is used solely to: Respond to your customer support enquiries. Monitor App performance, fix bugs, and improve functionality. Comply with legal or regulatory obligations. We do not sell, rent, or share your personal data with third parties for marketing purposes.

5. Disclosure and Retention

We may disclose your data to trusted service providers who assist our technical operations (e.g., crash reporting services), or when strictly required by law. We retain any personal data (such as support emails) only for as long as necessary for the purposes stated in this policy or as required by law.

6. Your Rights

Under the Personal Data (Privacy) Ordinance, you have the right to request access to and correction of any personal data held by us. Because we do not hold your financial data (as it is stored locally on your device), you can manage or delete that information directly within the App settings. For any privacy-related enquiries regarding data we might hold (like support emails), please contact us.

7. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The revised version will be posted within the App with an updated "Last updated" date. We encourage you to review this policy periodically.

8. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:

Email: contact@creditdynasty.org

Registered Address: Rm 03, 12/F, 33 Argyle Street, Mong Kok, Hong Kong