Your Privacy Matters to Us

1. Introduction

CreditMitra ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile application, and services.

2. Information We Collect

2.1 Personal Information

• Name, email address, phone number, and date of birth
• Government-issued identification numbers (PAN, Aadhaar, etc.)
• Employment and income information
• Bank account and financial information
• Credit history and credit score information

2.2 Technical Information

• Device information, IP address, and browser type
• Usage data and app interaction patterns
• Location data (with your consent)
• Cookies and similar tracking technologies

3. How We Use Your Information

• To provide and improve our financial services
• To process loan applications and credit assessments
• To verify your identity and prevent fraud
• To send you relevant offers and communications
• To comply with legal and regulatory requirements
• To analyze usage patterns and improve user experience

4. Information Sharing and Disclosure

4.1 With Your Consent

We share your information with third parties only with your explicit consent, including:

• Banks and financial institutions for loan processing
• Credit bureaus for credit score verification
• Insurance companies for policy applications
• Investment platforms for mutual fund transactions

4.2 Legal Requirements

We may disclose your information when required by law, court order, or government regulations, or to protect our rights and prevent fraud.

5. Data Security

We implement industry-standard security measures to protect your information:

• 256-bit SSL encryption for data transmission
• Secure data storage with access controls
• Regular security audits and vulnerability assessments
• Employee training on data protection practices
• Multi-factor authentication for sensitive operations

6. Your Rights and Choices

• Access: Request access to your personal information
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your personal data
• Portability: Request transfer of your data
• Opt-out: Unsubscribe from marketing communications
• Consent Withdrawal: Withdraw consent for data processing

7. Cookies and Tracking

We use cookies and similar technologies to enhance your experience:

• Essential cookies for website functionality
• Analytics cookies to understand usage patterns
• Marketing cookies for personalized advertisements
• You can manage cookie preferences in your browser settings

8. Data Retention

We retain your personal information only as long as necessary for the purposes outlined in this policy or as required by law. Financial records may be retained for up to 7 years as per regulatory requirements.

9. Third-Party Services

Our services may contain links to third-party websites or integrate with third-party services. We are not responsible for the privacy practices of these third parties. Please review their privacy policies before sharing your information.

10. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

11. International Data Transfers

Your information may be transferred to and processed in countries other than India. We ensure appropriate safeguards are in place to protect your information in accordance with applicable data protection laws.

12. Updates to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our website and sending you a notification through our app or email.

13. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us: