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Privacy Policy

This Privacy Policy describes how Creditcares (“we”, “our”, “us”) collects, uses, stores, and protects user information when you access our website and services related to loan consultation, loan sourcing, and financial advisory.

By accessing this website, submitting your details, or using our services, you agree to the terms outlined in this policy.

1. Scope of Policy

This policy applies to all users who:

  • Visit our website
  • Submit inquiry forms
  • Apply for any financial product through us
  • Communicate via phone, WhatsApp, email, or other channels

2. Information We Collect

We collect information necessary to evaluate and process loan requirements.

a) Personal Information

  • Full name
  • Mobile number
  • Email address
  • Residential / business address

b) Financial & Loan-Related Information

  • Income details
  • Banking details (as required for processing)
  • Property details (for Loan Against Property / Mortgage Loan)
  • Existing loan obligations
  • CIBIL score / credit profile (if shared or accessed with consent)

c) Business Information (for MSMEs)

  • Company name and structure
  • Turnover and financials
  • GST and registration details

d) Technical & Usage Data

  • IP address
  • Device type and browser
  • Website interaction data
  • Cookies and session data

3. Purpose of Data Collection

Your data is used strictly for legitimate business purposes, including:

  • Loan eligibility assessment
  • Connecting you with suitable banks and NBFCs
  • Processing applications and documentation
  • Coordinating approvals, disbursements, and follow-ups
  • Providing advisory on financial products
  • Improving service quality and user experience
  • Internal analytics and fraud prevention

4. Consent & Authorization

By submitting your details, you:

  • Authorize us to contact you via call, SMS, WhatsApp, or email
  • Permit us to share your information with lending partners
  • Agree to allow credit checks through authorized agencies where required

This consent overrides registration under DND / NDNC as per applicable regulations.

5. Sharing of Information

We share data only on a need-to-know basis with:

  • Banks and NBFCs for loan processing
  • Credit bureaus and verification agencies
  • Legal or regulatory authorities when required

We do not sell, rent, or trade your personal data to third parties for marketing.

6. Data Storage & Security

  • Data is stored securely using controlled access systems
  • We implement administrative, technical, and physical safeguards
  • Only authorized personnel can access sensitive information

While we follow strict security practices, online systems may still carry inherent risks.

7. Data Retention

We retain your information:

  • As long as required for service fulfillment
  • To comply with regulatory and audit requirements
  • For internal record-keeping and dispute resolution

After this period, data may be securely deleted or anonymized.

8. Cookies & Tracking Technologies

Our website uses cookies to:

  • Track user behavior and improve performance
  • Store preferences for better experience
  • Analyze traffic and engagement

You can modify cookie preferences through your browser settings.

9. Third-Party Links & Platforms

Our website or communication may include links to third-party platforms (banks, financial institutions, tools).
We are not responsible for their content, policies, or data handling practices.

10. User Rights

You may:

  • Request access to your stored data
  • Ask for correction of inaccurate information
  • Request deletion, subject to legal and operational requirements

Requests can be made through official contact channels.

11. Compliance with Laws

We operate in accordance with applicable Indian laws, including:

  • IT Act, 2000
  • RBI guidelines (where applicable to intermediaries)
  • Data protection and digital communication regulations

12. Limitation of Liability

We act as a loan service provider / intermediary connecting applicants with financial institutions.
Final approval, interest rates, and terms are solely determined by the respective lender.

We are not liable for:

  • Loan rejection decisions
  • Changes in lender policies
  • Delays caused by third-party institutions

13. Policy Updates

This policy may be updated periodically.
Changes will be reflected on this page with revised dates.

14. Contact Information

For any privacy-related concerns or requests: