Moliq calculates debt burden and the index right in your browser. Only your phone number and password (as a hash, for sign-in) and anonymised visit statistics go to the server.
What is stored, where, and for how long
| Data | Where | How long | Shared with |
|---|---|---|---|
| Income, expenses, loans, questionnaire answers, calculation history | Only in your browser (localStorage) on this device | Until you delete them | No one — they aren't sent to the Moliq server |
| Phone number, password hash (scrypt), sign-up and sign-in dates | Moliq database (Supabase, Australia) | While the account exists | Supabase — storage under a processing agreement |
| Number verification codes (as a hash) | Moliq database | No more than a day | — |
| Questions to the AI assistant | Sent to Moliq AI (Hugging Face) for an answer; Moliq doesn't store them | Moliq doesn't store them; Hugging Face follows its own rules | Hugging Face. Phone, card and passport numbers, PINFL and e-mails are removed before sending |
| Visit statistics: pages opened and what was clicked, referral source, country and city, device and browser type | Moliq database; in the browser only a random id with no link to you (localStorage) and a tab id (sessionStorage). No cookies. The IP address isn't stored | Up to 13 months | No one. Not collected if "Do Not Track" or Global Privacy Control is on in your browser; amounts, income and question text aren't recorded |
| Location | Only in your browser, when you tap "Near me" | Not stored | No one |
| Technical data (IP address, browser) | Vercel hosting and the OpenFreeMap map server — on every request | Under those services' rules | Vercel (USA), OpenFreeMap |
What Moliq doesn't do
- It doesn't sell or share your data with banks or advertisers.
- It doesn't use advertising trackers or third-party counters — only its own anonymised visit statistics.
- It doesn't ask for your passport, card number or SMS codes — never share them with anyone.
- It doesn't present the Moliq index as an official bureau credit score.
How to delete data
- Data on the device (and the statistics id): the "Delete my data" link at the bottom of any page or the button in your profile.
- Account and number: "Delete account" in your profile; the record is removed from the database immediately and permanently.
Bank terms are from the CBU financial services portal (bankxizmatlari.uz) and bank websites; calculations are Moliq's estimates, and the bank makes the loan decision. Updated: 26.10.2026.