Effective Date: 01-April-2024

Last Updated: 08-May-2025

Purpose of this Privacy Policy

This Privacy Policy explains how we collect, use, store, process, disclose, and safeguard your personal information when you visit or use our websites, mobile applications, or related digital platforms, and when you access or avail of any of our services directly or through our digital platform.

Consent

By accessing our website, mobile applications, or availing of our services, you explicitly agree to the terms of this Privacy Policy and provide voluntary, informed, specific, unambiguous, and revocable consent to the collection, use, processing, storage, and disclosure of your personal data and sensitive personal data by Credknow.

Legal Compliance

This Privacy Policy is prepared in compliance with:

  • Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
  • Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021
  • Reserve Bank of India’s Guidelines on Digital Lending, 2022
  • Other applicable laws, rules, regulations, and guidelines in India relating to data protection and privacy.

Information We Collect

We may collect the following categories of information:

  • Personal Information: Full name, email, phone number, address, Government-issued IDs, etc.
  • Sensitive Personal Data: Financial information, biometric data, health-related data, etc.
  • Non-Personal Information: IP address, device type, browser type, browsing behavior, etc.

Use of Information

We use your data to provide and improve our services, evaluate creditworthiness, process loan applications, communicate updates, ensure legal compliance, analyze usage, and prevent fraud.

Sharing and Disclosure

We may share your personal data with authorized service providers, partner financial institutions, government authorities, or during business transitions like mergers or acquisitions.

Data Storage and Retention

We store your information securely and retain it only for as long as necessary or as required by law.

Data Security

We implement reasonable security practices including SSL encryption, access control mechanisms, and regular security audits. However, you are advised to protect your login credentials and report unauthorized access immediately.

User Rights

You have the right to access, rectify, delete, restrict processing, and object to processing of your personal data, among others.

Policy Updates

We may modify this Privacy Policy from time to time to comply with laws or reflect changes in our practices.

Contact Information

If you have any questions or concerns regarding this Privacy Policy, please reach out to our Grievance Officer.