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. This policy applies to all users of the CreditCircle App and Website.

By using our services, you agree to this Privacy Policy and consent to receive communications via RCS (Rich Communication Services), SMS, email, and other channels.

1. Information We Collect

1.1 Personal Information

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

1.2 Technical and Device Information

• 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

We use your information for determining your eligibility for financial products, displaying relevant loan, insurance, or investment offers, and facilitating your application with third-party financial institutions.

We may send account-related communications such as application updates, alerts, OTPs, and service notifications via RCS, SMS, email, or other communication channels. Promotional messages are sent only with your consent.

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 apply.

3.2 With Service Providers

We may engage third-party vendors for hosting, analytics, KYC verification, customer support, and communication delivery.

3.3 With Legal Authorities

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

3.4 During Business Transfers

Your data may be transferred in case of mergers or acquisitions.

4. Data Storage and Retention

All data is stored on secure servers in India and retained as per legal requirements.

5. Your Rights and Choices

• Access your personal data
• Request correction
• Withdraw consent
• Request deletion

Contact: info@creditcircle.in

6. Disclaimer on Financial Advice

CreditCircle is not a lender, insurer, broker, or financial advisor. All offers are from third-party entities.

7. Children’s Privacy

Our services are intended only for users aged 18 and above.

8. Data Security

We use industry-standard security measures, but no system is completely secure.

9. Third-Party Links

We are not responsible for third-party privacy practices.

10. Changes to This Policy

We may update this Privacy Policy from time to time.

11. Grievance Officer

Name: Sunil Kumar

Email: grievance@creditcircle.in

Address: 537 JMD Megapolis, Sohna Road, Sector 48, Gurugram, Haryana 122018

12. Contact Us

Email: info@creditcircle.in

Website: www.creditcircle.in