Privacy Policy

We at CredBharat value your trust and are committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our Services. 

By accessing or using our Website/App, you consent to the practices described in this Privacy Policy.

Information We Collect

We may collect various types of information, including but not limited to:

Personal Information:

• Contact Information (e.g., name, email address, phone number)
• Financial Information (e.g., income, credit history)
• Identification Information (e.g., Aadhaar number, PAN number)
• Transaction History (e.g., payment history, trading activity)

Device Information:

• Device type, model, and operating system
• IP address, browser type, and version
• Mobile device identifiers and location data

Usage Information:

• Log files and analytics data
• User interactions and behavior within the app
• Cookies and similar technologies (see section 4)

How We Use Your Information

We use your information for various purposes, including but not limited to:

Providing Services:

• Processing transactions, loans, and payments
• Managing your trading activities
• Offering credit card services
• Facilitating UPI payments
• Providing customer support and resolving issues

Personalization:

• Tailoring the app experience to your preferences
• Recommending financial products or services

Legal Compliance:

• Complying with applicable laws and regulations
• Preventing fraud, money laundering, and other illegal activities
• Investigating and responding to legal requests

Communication:

• Sending transaction confirmations, updates, and notifications
• Responding to your inquiries and requests

Marketing and Promotions:

• Sending promotional offers and newsletters (if you opt-in)
• Conducting market research and analysis

How We Share Your Information

We may share your information with our lenders under the following circumstances:

Service Providers:

• We may share your information with trusted service providers who assist us in delivering our Services, including payment processors, data analytics, and customer support.

Legal Obligations:

• We may share your information to comply with legal requirements, including responding to subpoenas, court orders, or government investigations.

Business Transactions:

• In the event of a merger, acquisition, or sale of all or part of our assets, your information may be transferred to the acquiring entity.

Consent:

• With your explicit consent, we may share your information with third parties for marketing or promotional purposes.

Aggregated Data:

• We may share aggregated and anonymized data for statistical analysis or research purposes.

Cookies and Similar Technologies

We may use cookies, web beacons, and similar technologies to collect and store information about your interactions with our app. You can manage your cookie preferences through your device settings or within the Website/App.

Security

We take reasonable measures to protect your personal information from unauthorized access, disclosure, or alteration. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

Your Choices

You can exercise certain rights over your personal information, including accessing, correcting, or deleting it. You can also opt-out of receiving marketing communications. To make these requests, please contact us using the information provided in section 8.

Updates to Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be posted on our Website/App, and the effective date will be revised accordingly. Please review the Privacy Policy periodically.

Ensuring Information Security

We employ industry-standard measures to safeguard the Personal Information stored in our database. Our commitment to the policy of Security First adheres to industry best practices, as detailed on our Website/App. Access to your Personal Information is restricted to essential employees and contractors responsible for performing their job functions, including our customer service team.

Contact Us

If you have questions or concerns about our Privacy Policy, you can contact us at [email protected].

Thank you for trusting us with your financial information. Your privacy is important to us, and we are committed to protecting it.