logo-img
logo
flag-icon
India
Member
User
logo
Member
User

Privacy Policy

This Privacy Policy (“Policy”) outlines how Crediple(“we,” “our,” or “us”), operated by Crediple India Private Limited, collects, uses, discloses, and protects the personal information of users (“you” or “your”) of our digital platform, including the website www.crediple.com, mobile applications, and associated services (collectively, the “Platform”).

By using or accessing our Platform, you acknowledge and agree to the terms outlined in this Policy.

1. Scope and Applicability

This Policy applies to all users who interact with Crediple’s services, including those who:

  • Register or create an account on the Crediple Platform
  • Use credit-related services offered via the Platform
  • Participate in any facilitation, advisory, or Loan Konnect services
  • Visit our website or mobile applications

This Policy is governed by the applicable laws of India, including the Information Technology Act, 2000 (as amended), and applicable rules under it.

2. Information We Collect

We collect the following categories of information, directly or indirectly, from you or third parties, to deliver and improve our services:

A. Personal Identifiable Information (PII)

  • First Name and Last Name
  • Mobile Number
  • Email Address
  • Date of Birth
  • Permanent and Current Address
  • PAN, Aadhaar, or other government-issued ID numbers
  • Photographs and Signature
  • Bank Account Details with Cancel Cheque Image

B. Financial and Credit Data

  • Credit report details from CIBIL/Experian/CRIF/Equifax
  • Credit score and history
  • Loan details, credit card details, EMIs, and repayment history
  • Bank account statements, No Dues Certificates, No Outstanding Certificates, Settlement Letters, Foreclosure Letters, or any other documents related to credit bureaus, lenders, credit accounts, or credit summaries—whether requested by the Platform or voluntarily submitted by the user—shall be treated as part of the user's financial records for the purpose of service delivery, verification, or audit.

C. Bank and KYC Documents

  • Bank Account Details
  • PAN Card and Aadhaar

D. Technical and Usage Data

  • Device Information (IP address, device ID, OS, browser type)
  • Location data (with permission)
  • Cookies, session logs, browsing activity within our Platform

E. Communications

  • Emails, chat transcripts, and customer support interactions
  • Feedback, reviews, surveys, and complaints

3. How We Use Your Information

We collect and use your data for the following purposes:

  1. To provide you with credit report repair, credit score improvement, and other credit advisory services
  2. To perform eligibility checks, risk assessments, and credit score audits
  3. To connect you with a Loan Direct Selling Agent under our Loan Konnect feature
  4. To facilitate communication between you and third-party service providers
  5. To operate, monitor, and improve our services and platform performance
  6. To provide customer support and resolve issues
  7. To comply with legal obligations and regulatory requirements
  8. For fraud prevention, data security, and authentication
  9. To send transactional, promotional, and service-related messages
  10. For internal audits, data analysis, and research

We may also use anonymised or aggregated data for analytics and benchmarking.

4. Lawful Basis of Processing

We process your personal data based on:

  • Consent provided by you during registration or service usage
  • Contractual necessity to perform services you request
  • Legal obligations under applicable laws and regulatory frameworks
  • Legitimate interests, such as fraud detection, service improvement, and platform security

5. Data Sharing and Disclosure

We do not sell your personal data. However, we may disclose your data under the following circumstances:

A. To Third-Party Service Providers

Such as:

  • Credit bureaus (e.g., CIBIL, CRIF, Experian, Equifax)
  • Loan Direct Selling Agent: Starpowerz Digital Technologies Private Limited
  • KYC verification partners
  • Payment gateways
  • Cloud service providers, communication tools, analytics software

B. To Government and Legal Authorities

  • In compliance with applicable laws, regulations, legal processes, or government requests

C. With Your Explicit Consent

  • For any purpose not covered in this Policy

D. In Case of Business Transfers

  • In case of merger, acquisition, restructuring, or sale of assets, with continued application of this Policy

6. Data Storage and Retention

Your personal data is stored securely on servers hosted within India or trusted cloud infrastructure providers. We retain your data for as long as:

  • Required to provide services to you
  • Required under applicable laws and tax or regulatory obligations
  • Necessary to resolve disputes or enforce our agreements

Upon expiry of the retention period, data is deleted or anonymised unless legally required otherwise.

7. Data Security

We employ best-in-class administrative, technical, and physical safeguards to protect your data from unauthorized access, disclosure, loss, misuse, or alteration. This includes:

  • SSL encryption
  • Two-factor authentication
  • Role-based access controls
  • Secure cloud infrastructure
  • Regular security audits and vulnerability testing

Despite our efforts, no system is completely secure. We cannot guarantee absolute security of your information.

8. Your Rights

Subject to applicable laws, you have the following rights:

  • Right to Access: Know what personal data we hold about you
  • Right to Rectification: Request correction of inaccurate or incomplete data
  • Right to Withdraw Consent: Revoke your consent at any time
  • Right to Data Portability: Request your data in a structured, machine-readable format (if applicable)
  • Right to Erasure: Request deletion of your data, subject to legal limitations
  • Right to Object or Restrict: Object to processing or request restrictions under certain conditions

9. Use of Cookies and Tracking Technologies

Our website uses cookies and similar technologies for:

  • Session management
  • Remembering preferences
  • Analytics and performance improvement
  • Fraud detection and security
  • Personalising your experience

You can manage cookie preferences in your browser settings.

10. Children’s Privacy

Our services are not intended for users under the age of 18. We do not knowingly collect data from minors. If we become aware of such collection, we will delete the data immediately.

11. Third-Party Links and Services

The Platform may contain links to third-party websites, apps, or services. We are not responsible for their privacy practices. Users are encouraged to review third-party policies before interacting with them.

12. Updates to This Policy

We may update this Policy periodically to reflect changes in legal requirements, technology, or our practices. When we do, we will revise the “Effective Date” above and notify users through appropriate means (such as email or site banners).

Continued use of the Platform constitutes your acceptance of the updated Policy.

13. Grievance Officer and Contact Information

As per the Information Technology Act, 2000, and rules made thereunder, the name and contact details of the Grievance Officer are provided below:

Grievance Officer
Name:Rahul Roy
Email: grievancedesk@crediple.com

We aim to resolve all complaints within 30 business days of receipt.

14. Jurisdiction

This Policy shall be governed by and construed in accordance with the laws of India. Any disputes arising shall be subject to the exclusive jurisdiction of the courts at Hyderabad, India.