This Privacy Policy explains how Credofina Fintech Private Limited (“Credofina”, “we”, “our”, “us”) collects, uses, discloses, and safeguards your personal information when you use our website, mobile app, and lending services.
To provide financial services, we may collect:
A. Personal Information
• Full Name
• Address
• Email ID
• Mobile Number
• Date of Birth
• Gender
B. KYC Documents
• PAN Card
• Aadhaar (digital/e-KYC verification)
• Photograph
C. Financial Information
• Bank details
• Income-related data
• Financial SMS metadata
• Loan history
D. Device Information
• Device model
• OS version
• IP address
• SIM information
• Advertising ID
E. Location Data
• Real-time GPS for service eligibility
We use your information to:
• Verify your identity (KYC)
• Assess creditworthiness using automated systems
• Process loans and determine eligibility
• Detect and prevent fraud
• Meet RBI/NBFC compliance requirements
• Improve and customise financial services
We may share your information with:
• Credit Bureaus (CIBIL, Equifax, Experian, CRIF)
• Regulatory authorities (as per RBI guidelines)
• Payment partners and banking institutions
• Third-party service providers (for verification, analytics, etc.)
We Do NOT sell or rent your information to any unaffiliated third parties.
As per RBI regulations for NBFCs, your KYC and loan-related data must be securely stored for a mandatory period, even if you delete your account or stop using our services.
We implement strong security practices including:
• Encryption
• Secure servers
• Access controls
• Fraud detection systems
However, no system is 100% secure, and users must also protect their login credentials.
You may request:
• Correction of inaccurate information
• Access to your stored data
• Withdrawal from marketing communications
Some data (such as KYC and loan records) cannot be deleted due to legal requirements.
We may use cookies, analytics tools, and tracking technologies to enhance user experience and improve platform performance.
This policy may be updated periodically. Continued use of our services constitutes acceptance of the updated policy.
For privacy-related concerns, contact:
Credofina Fintech Private Limited
Lower Ground Floor, Saket Salcon Rasvilas,
Saket District Centre, Sector 6, Pushp Vihar,
Next to Select City Walk Mall, Delhi 110017
Email: contactus@credofina.com