Privacy Policy
Last updated: January 1, 2026
At Credlinko, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform.
1. Information We Collect
1.1 Personal Information
When you use our services, we may collect the following personal information:
- Identity Information: Name, date of birth, gender, PAN number, Aadhaar number
- Contact Information: Email address, phone number, residential address
- Financial Information: Income details, employment information, bank account details, credit history
- KYC Documents: Identity proof, address proof, income proof
1.2 Automatically Collected Information
- Device information (type, model, operating system)
- Browser type and version
- IP address and location data
- Usage data (pages visited, time spent, interactions)
- Cookies and similar tracking technologies
2. How We Use Your Information
We use the collected information for:
- Processing loan applications and eligibility checks
- Matching you with suitable lending partners
- Communicating with you about your applications
- Providing customer support
- Improving our services and user experience
- Complying with legal and regulatory requirements
- Fraud prevention and security
- Marketing and promotional communications (with your consent)
3. Information Sharing
We may share your information with:
3.1 Lending Partners
When you apply for a loan, we share your information with our RBI-registered lending partners to process your application. Each lender has their own privacy policy governing how they handle your data.
3.2 Credit Bureaus
We may access your credit information from credit bureaus (such as CIBIL, Equifax, Experian) to assess your eligibility. With your consent, we perform soft inquiries that don't impact your credit score.
3.3 Service Providers
We engage trusted third-party service providers for hosting, analytics, customer support, and other operational needs. These providers are bound by confidentiality agreements.
3.4 Legal Requirements
We may disclose your information when required by law, court order, or government authorities, or to protect our rights and safety.
4. Data Security
We implement industry-standard security measures to protect your information:
- 256-bit SSL/TLS encryption for data transmission
- Encrypted storage for sensitive data
- Regular security audits and penetration testing
- Access controls and authentication mechanisms
- Employee training on data protection
5. Your Rights
Under applicable data protection laws, you have the right to:
- Access: Request a copy of your personal data
- Correction: Update or correct inaccurate information
- Deletion: Request deletion of your data (subject to legal requirements)
- Portability: Receive your data in a machine-readable format
- Withdraw Consent: Opt out of marketing communications
- Object: Object to certain processing activities
6. Cookies and Tracking
We use cookies and similar technologies to enhance your experience, analyze usage, and deliver personalized content. You can manage cookie preferences through your browser settings.
7. Data Retention
We retain your information for as long as necessary to provide our services and comply with legal obligations. Typically, we retain:
- Active user data: Throughout your use of our services
- Application data: 7 years from the date of application
- Transaction records: As required by law (typically 10 years)
8. Third-Party Links
Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.
9. Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes through our platform or via email. The "Last Updated" date at the top indicates when the policy was last revised.
11. Contact Us
If you have questions about this Privacy Policy or our data practices, please contact us:
- Email: support@credlinko.com
- Phone: +91 1800-XXX-XXXX
- Address: Mumbai, Maharashtra, India
12. Grievance Officer
In accordance with the Information Technology Act, 2000 and rules made thereunder, the name and contact details of the Grievance Officer are:
Name: Grievance Officer, Credlinko
Email: grievance@credlinko.com
Address: Mumbai, Maharashtra, India