Welcome to CredBazar . This Privacy Policy explains how we
collect, use, store, and protect your personal and financial information when you visit our website, apply for loans,
or use our financial services. We comply with the Information Technology Act, 2000, relevant RBI guidelines, and
the Digital Personal Data Protection Act, 2023 (DPDP Act). By using our services, you acknowledge that you have
read and accepted this Privacy Policy along with our Terms and Conditions.
Scope & Definitions
- Personal Data refers to any information that can directly or indirectly identify an individual.
- Processing includes any operation performed on personal data, such as collection, recording, storage, usage, sharing, or disclosure.
Information We Collect
We collect personal and financial information necessary to provide our services efficiently:
- Identification & Contact Details: Full name, address, email, date of birth, and mobile number.
- KYC & Financial Information: PAN, Aadhaar (masked or verified), bank account details, salary details, credit reports, and repayment history.
- Device & Usage Data: IP address, browser type, device identifiers, session logs, and website activity.
- Communication Data: Customer requests, call history, feedback, and interactions with our support team.
Note: We do not store full Aadhaar numbers and only use masked or verified numbers wherever applicable.
Why We Collect & How We Use Data
Your data helps us to:
- Process loan applications and perform KYC verification.
- Assess eligibility, manage repayments, and prevent fraud
- Improve website functionality and enhance user experience.
- Send updates, alerts, and promotional messages (only with your consent).
- Comply with legal, tax, and regulatory obligations.
Legal Bases for Processing
- Consent: For marketing communications and optional features
- Contractual Necessity: To create accounts and provide loan services.
- Compliance with Law: To fulfill regulatory, statutory, and reporting requirements.
Data Sharing & Retention
We may share your personal information with:
- Partner banks, NBFCs, and lending institutions.
- Verification agencies and service providers for legitimate business purposes.
Data is retained only for as long as required by law or necessary to provide our services.
Security & User Rights
We implement industry-standard security measures to protect your personal data from unauthorized access, alteration, or misuse. You have the right to:
- Access your personal information.
- Correct or update your data.
- Request deletion of your data
To exercise these rights, you can contact our Privacy Officer at:
Email: Kr.chandravart@gmail.com
