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Privacy Policy

Your Privacy Matters to Us

Your Privacy Matters to Us

This Privacy Policy explains how Credofina Fintech Private Limited ("Credofina", "we", "our", "us") collects, uses, discloses, and safeguards your personal information when you use our website, mobile app, and lending services.

1. Information We Collect

To provide financial services, we may collect:

A. Personal Information

  • Full Name
  • Address
  • Email ID
  • Mobile Number
  • Date of Birth
  • Gender

B. KYC Documents

  • PAN Card
  • Aadhaar (digital/e-KYC verification)
  • Photograph

C. Financial Information

  • Bank details
  • Income-related data
  • Financial SMS metadata
  • Loan history

D. Device Information

  • Device model
  • OS version
  • IP address
  • SIM information
  • Advertising ID

E. Location Data

  • Real-time GPS for service eligibility

2. How We Use Your Information

We use your information to:

  • Verify your identity (KYC)
  • Assess creditworthiness using automated systems
  • Process loans and determine eligibility
  • Detect and prevent fraud
  • Meet RBI/NBFC compliance requirements
  • Improve and customise financial services

3. Sharing of Information

We may share your information with:

  • Credit Bureaus (CIBIL, Equifax, Experian, CRIF)
  • Regulatory authorities (as per RBI guidelines)
  • Payment partners and banking institutions
  • Third-party service providers (for verification, analytics, etc.)

We Do NOT sell or rent your information to any unaffiliated third parties.

4. Storage & Data Retention

As per RBI regulations for NBFCs, your KYC and loan-related data must be securely stored for a mandatory period, even if you delete your account or stop using our services.

5. Security Measures

We implement strong security practices including:

  • Encryption
  • Secure servers
  • Access controls
  • Fraud detection systems

However, no system is 100% secure, and users must also protect their login credentials.

6. Your Rights

You may request:

  • Correction of inaccurate information
  • Access to your stored data
  • Withdrawal from marketing communications

Some data (such as KYC and loan records) cannot be deleted due to legal requirements.

7. Cookies & Tracking

We may use cookies, analytics tools, and tracking technologies to enhance user experience and improve platform performance.

8. Policy Updates

This policy may be updated periodically. Continued use of our services constitutes acceptance of the updated policy.

9. Contact Us

For privacy-related concerns, contact:

Credofina Fintech Private Limited
Lower Ground Floor, Saket Salcon Rasvilas,
Saket District Centre, Sector 6, Pushp Vihar,
Next to Select City Walk Mall, Delhi 110017

Email: contactus@credofina.com