This Privacy Policy ("Privacy Policy") describes the practices and policies in relation to collection, use, processing, storage, retrieving, disclosure, or transfer of your information, including personal information and sensitive personal data or information that credbharat may receive through your access, interaction or use of Our website, namely www.credbharat.com.

All terms and conditions regarding the availing of Our Services, including the lending, and offered by the Lending Partners (defined below) and as set out in the Terms and Conditions are incorporated in this Privacy Policy by reference. Capitalised terms not defined in this Privacy Policy will have the meaning as set out in the Terms and Conditions.

User acceptance

By accessing or using the Portal or by availing Our Services, you agree to the terms of this Privacy Policy. The collection, use, processing, storage, retrieving, disclosure, or transfer of your information, including personal information and sensitive personal data or information (collectively, “Information”) will be in accordance with this Privacy Policy and as required or permitted under applicable laws, including but not limited to the Information Technology Act, 2000 and the rules framed thereunder, as may be amended from time to time (“IT Laws”) and the regulations, directions, circulars, guidelines or other mandates issued by the Reserve Bank of India (“RBI”) or the National Payments Corporation of India and as applicable to the Services (collectively, “Applicable Laws”).

Any Information, which is the subject matter of this Privacy Policy, provided by you or otherwise collected by Us is collected and retained by Credbharat (i.e., TwoMinutes Fintech Private Limited) that has the registered office at 3rd Floor, Block A7 Pkt-8 Sec-23(B), Raj Nagar - II, New Delhi, South West Delhi- 110077.

Please read this Privacy Policy carefully to make sure you understand how any Information you provide to Us will be handled. If you use any of Our Services, you will be regarded as having read and accepted this Privacy Policy. By accessing or using the Portal, you expressly consent to Our collection, processing, storage, transfer, use, disclosure and handling of your Information in accordance with this Privacy Policy. If you do not agree with the practices described in this Privacy Policy, please do not provide Us with your Information, or use, access or interact with the Portal and/or avail Our Services.