Cookies

Effective Date: 07th July, 2025

Applies To: www.crediple.com

Entity: Crediple India Private Limited

Version: 1.0

1. Introduction

This Cookie Policy explains how Crediple and Loan Konnect ("we", "us", "our") use cookies and similar tracking technologies when you access or use our websites or digital services. By continuing to browse or interact with our platforms, you agree to our use of cookies as outlined in this policy, subject to the choices and controls described below.

2. What Are Cookies?

Cookies are small text files stored on your device (computer, mobile, tablet) when you visit a website. These files enable the website to recognise your device, retain your preferences, and improve user experience.

Cookies can be:

Session Cookies: Temporary, deleted when you close the browser
Persistent Cookies: Stored on your device until expiration or manual deletion

3. Why We Use Cookies

We use cookies for the following lawful and legitimate purposes:

a. Strictly Necessary Cookies

Enable secure login and form submission
Maintain your session
Manage authentication and fraud detection
Remember your SRN and loan application progress

b. Performance & Analytics Cookies

Analyze visitor behavior, page traffic, and performance (e.g., via Google Analytics)
Improve site speed, navigation, and design
Monitor site errors and usage spikes

c. Functional Cookies

Remember user preferences like language, location, and last-visited services
Provide personalised content and faster loading times

d. Marketing & Targeting Cookies

Deliver personalised ads across platforms like Google, Meta, or LinkedIn
Measure the effectiveness of our marketing campaigns
Prevent repetitive ad display

4. Third-Party Cookies

We may allow third-party service providers (e.g., Google, Meta, LinkedIn, Hotjar) to set cookies for analytics and ad services. These third parties are bound by their own privacy policies and data protection standards.

We do not allow third party tracking unless explicitly authorized by you through cookie settings.

5. How to Control Cookies

You have full control over how cookies are used on our platforms. At any time, you can:

Accept all cookies
Reject all except essential cookies
Customise preferences via the Manage Cookie Settings panel

Additionally, you can configure your browser settings to:

Block all cookies
Delete existing cookies
Notify when a cookie is being placed

Note: Blocking or deleting cookies may impact site functionality and your ability to access certain features (e.g., login, loan tracking).

6. Legal Basis & Compliance

Our use of cookies is in compliance with:

Information Technology Act, 2000 and applicable Indian data privacy rules
Reserve Bank of India (RBI) Digital Lending Guidelines (2022 & updates)
General Data Protection Regulation (GDPR) for users accessing from Europe
Consumer Protection (E-Commerce) Rules, 2020

We do not use cookies to collect sensitive personal data like Aadhaar number, financial passwords, or biometric information.

7. Data Sharing & Privacy

Information collected through cookies is handled per our Privacy Policy. We do not sell or rent your cookie data to any third party.

We may share non-identifiable cookie data with:

Lender partners (for UX optimization)
Web hosting, analytics, or marketing platforms (with NDAs and DPA compliance)

8. Changes to This Policy

We reserve the right to update this Cookie Policy from time to time to reflect changes in law, technology, or our services. All updates will be posted on this page with an updated Effective Date.

9. Contact Us

For questions or concerns about this policy or your cookie preferences, please contact:

Crediple India Private Limited
privacy@crediple.com