CreditCircle – Privacy Policy

Last Updated: 19th Sept 2025

This Privacy Policy explains how CreditCircle ("we", "us", or "our") collects, uses, shares, and protects your information when you use our mobile application ("App") or our website www.creditcircle.in ("Website"). This policy applies to all users of the CreditCircle App and Website. By using our services, you agree to the terms of this Privacy Policy.

1. Information We Collect

1.1 Personal Information (Provided by You)

Name
Mobile number
Email address
PAN, Aadhaar, or other government-issued ID details
Employment type, income details, financial profile
Bank account statements, salary slips, or other uploaded documents

1.2 Technical and Device Information (Automatically Collected)

IP address
Device model and operating system
App version and usage statistics
Session duration and clickstream data
Crash logs and error reports
Referral source and device identifiers

1.3 Location Information

Approximate location, only if permission is granted

2. How We Use Your Information

Determining your eligibility for financial products
Displaying matched loan, insurance, or investment offers
Facilitating your application with third-party financial institutions
Improving app functionality and user experience
Sending account-related communications or service updates
Sending promotional messages only with your explicit consent
Complying with legal and regulatory obligations

We do not offer personal financial, investment, or insurance advice.

3. Sharing of Information

We do not sell your personal data. Your information may be shared in the following circumstances:

3.1 With Financial Partners

We share your application details with banks, NBFCs, insurers, or mutual fund platforms when you express interest in a specific offer.

3.2 With Service Providers

We may engage third-party vendors for services such as hosting, analytics, KYC verification, and customer support. These providers are contractually required to protect your data.

3.3 With Legal or Regulatory Authorities

We may disclose information when required by law, court orders, or government agencies.

3.4 During Business Transfers

In the event of a merger, acquisition, or restructuring, your data may be transferred to the acquiring entity.

4. Data Storage and Retention

All data is stored on secure servers located in India, in accordance with applicable data protection regulations. We retain personal information for as long as needed to deliver our services or meet legal and regulatory requirements. Data shared with third-party institutions is governed by their respective policies.

5. Your Rights and Choices

Access your personal data
Request correction of inaccurate data
Withdraw consent for marketing communication
Request deletion of your data, subject to regulatory retention obligations

To make a request, please email us at info@creditcircle.in

6. Disclaimer on Financial Advice

CreditCircle is a loan, insurance, and investment offer aggregator. We are not a lender, insurer, broker, or financial advisor. All product offers listed in the app are from third-party licensed entities. Users are encouraged to independently evaluate these offers or consult professionals. We do not provide any financial recommendations.

7. Children’s Privacy

Our services are intended only for users who are 18 years of age or older. We do not knowingly collect personal information from individuals under 18. If you believe we have inadvertently collected such information, contact us and we will delete it.

8. Data Security

We use industry-standard measures to protect your data, including encryption, secure transmission, and access controls. While we strive to protect your information, no system is completely secure. You use our app at your own risk.

9. Third-Party Links

Our App and Website may contain links to third-party platforms. We are not responsible for the privacy practices of such platforms. Please review their privacy policies before sharing information.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted within the App and on our Website. Your continued use of the services after any change constitutes acceptance of the revised policy.

11. Grievance Officer

Name: Sunil Kumar
Email: grievance@creditcircle.in
Address: 537 JMD Megapolis, Sohna Road, Sector 48, Gurugram, Haryana 122018

We aim to respond to and resolve all complaints within 15 working days.

12. Contact Us

For any questions, concerns, or requests related to your privacy or this policy, please contact us at:
Email: info@creditcircle.in
Website: www.creditcircle.in