Privacy Policy

1. About CredPlus

CredPlus Technologies Private Limited is a technology-enabled credit enablement and financing solutions platform facilitating structured financing access through partnerships with banks, NBFCs, financial institutions, healthcare providers, educational institutions, and other ecosystem participants.

CredPlus is not a direct lender unless explicitly stated otherwise.

2. Information We Collect

We may collect the following categories of information:

• A. Personal Information: full name, mobile number, email address, date of birth, gender, residential address, PAN details, Aadhaar details (where permitted and voluntarily provided), employment/business information, income details
• B. Financial Information: bank account details, salary information, loan-related information, EMI preferences, credit-related details
• C. Technical & Usage Information: IP address, browser information, device information, cookies and website usage analytics, website interaction details
• D. Documents Uploaded: identity proof, address proof, bank statements, income documents, educational or medical-related documents

3. Purpose of Information Collection

CredPlus may use collected information for:

• Financing eligibility assessment
• Facilitating lender interactions
• EMI and financing-related services
• Verification and authentication
• Customer support and communication
• Fraud prevention and risk management
• Regulatory compliance
• Improving platform functionality and user experience
• Analytics and operational management

4. Consent & User Authorization

By submitting information through our website or platforms, users authorize CredPlus and its financing partners to:

• Verify submitted information
• Conduct eligibility assessments
• Access credit bureau information where applicable
• Contact users regarding financing-related services
• Share relevant information with authorized lending partners for financing facilitation purposes

Consent may be withdrawn subject to applicable legal and operational limitations.

5. Information Sharing

CredPlus may share information with:

• Banks and NBFCs
• Financial institutions
• Credit bureaus
• KYC verification agencies
• Technology and service providers
• Regulatory authorities where required by law

Information shall only be shared for legitimate business, operational, compliance, or financing facilitation purposes.

CredPlus does not sell personal information to third parties.

6. Data Security

CredPlus implements reasonable technical, administrative, and organizational safeguards to protect personal information from unauthorized access, misuse, alteration, or disclosure.

Security measures may include secure servers, encryption protocols, access controls, restricted data access, and monitoring and audit processes.

However, no digital platform can guarantee absolute security.

7. Data Retention

CredPlus retains personal information only for as long as necessary for business operations, financing facilitation, legal and regulatory compliance, recordkeeping obligations, and dispute resolution.

Information may be securely deleted or anonymized when no longer required.

8. Cookies & Analytics

Our website may use cookies and analytics technologies to improve website functionality, understand user behavior, enhance user experience, and analyze website traffic.

Users may modify browser settings to disable cookies, though certain website functionalities may be affected.

9. Third-Party Websites

Our website may contain links to external websites or services operated by third parties. CredPlus is not responsible for the privacy practices, content, or policies of external platforms.

Users are encouraged to review the privacy policies of such websites separately.

10. User Rights

Subject to applicable laws and regulations, users may have rights to access their information, request correction of inaccurate information, withdraw consent (where applicable), and request deletion of information, subject to legal and regulatory requirements.

Requests may be submitted through the contact details mentioned on our website.

11. Children's Privacy

Our services are not intended for individuals below the age of 18 years unless acting through a parent, guardian, or legally authorized representative.

12. Regulatory & Legal Compliance

CredPlus aims to operate in compliance with applicable Indian data protection laws, the Information Technology Act, 2000, relevant RBI guidelines applicable to digital lending and financing facilitation ecosystems, and applicable financial sector compliance obligations.

Users acknowledge that financing approvals and related services remain subject to lender policies and applicable regulations.

13. Disclaimer

CredPlus acts as a financing facilitation and enablement platform. Financing decisions, approvals, repayment terms, and loan agreements are governed by the respective lending institution's policies and applicable regulations.

CredPlus does not guarantee financing approval.

14. Policy Updates

CredPlus reserves the right to modify or update this Privacy Policy at any time without prior notice.

Users are encouraged to periodically review this page for updates.