Privacy Policy

🏢 About CredBazar

CredBazar.in ("we", "our", "us") is a loan DSA (Direct Selling Agent) platform operated from Noida, Uttar Pradesh, India. We help individuals compare and apply for loans from RBI-regulated banks and NBFCs. We are not a direct lender.

📋 Information We Collect

When you use our website or submit an application, we may collect:

• Personal Identification: Full name, date of birth, PAN number, Aadhaar number
• Contact Details: Mobile number, email address, residential address
• Financial Information: Monthly income, employment type, existing EMIs, CIBIL score (with your consent)
• Loan Preferences: Loan amount, tenure, loan type
• Technical Data: IP address, browser type, pages visited, time spent on site (via cookies)

🎯 How We Use Your Information

We use your information solely to:

• Match you with the most suitable loan offers from our bank and NBFC partners
• Verify your eligibility before submitting applications
• Contact you via phone, WhatsApp, or email regarding your loan inquiry
• Fetch your CIBIL score (only with your explicit consent)
• Improve our website and services based on usage patterns
• Comply with legal and regulatory obligations

🤝 Information Sharing

We share your information only in the following circumstances:

• With Lending Partners: We share your details with banks and NBFCs only when you request a loan application. These are RBI-regulated entities.
• With Service Providers: We may use trusted third-party services for SMS, email, and analytics — bound by confidentiality agreements.
• Legal Requirements: If required by law, court order, or government authority.

🍪 Cookies

Our website uses cookies to enhance your browsing experience. Cookies help us remember your preferences and understand how visitors use our site. You can disable cookies through your browser settings, though this may affect some features of our website.

🔐 Data Security

We implement industry-standard security measures to protect your data:

• SSL encryption for all data transmission on our website
• Restricted access — only authorised personnel can access your data
• Secure servers with regular security audits
• We do not store full Aadhaar or card numbers on our servers

However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

⏳ Data Retention

We retain your personal data for as long as necessary to provide our services and comply with legal obligations. If you wish to have your data deleted, please contact us at the details below and we will process your request within 30 days.

✅ Your Rights

Under applicable Indian law, you have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate information
• Request deletion of your data (subject to legal requirements)
• Withdraw consent for CIBIL score fetching at any time
• Opt out of marketing communications

🔗 Third-Party Links

Our website may contain links to bank and NBFC websites. We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies before sharing any information.

🔄 Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated date. We encourage you to review this policy periodically. Continued use of our website after changes constitutes acceptance of the updated policy.