1. Who We Are
Creddo ("we", "us", "our") treats the privacy and security of your personal information as a core obligation, not an afterthought. This policy explains what we collect through our website, applications, and financial services, what we do with it, and the rights you retain over it.
Using our services means you have read and accepted this policy. If any part of it doesn't sit right with you, please don't submit your details.
2. The Information We Collect
2.1 Details you give us
- Your full name (first, middle, and last)
- Email address and mobile number
- Residential address, including pincode, city, and state
- Date of birth
- Occupation, designation, and employer name
- PAN and Aadhaar numbers, where required for KYC verification
- Income and employment particulars
2.2 Financial details
- Bank account particulars
- Credit score and credit history
- Details of loan and credit card applications you make through us
- Transaction records connected to our services
2.3 Details collected automatically
- IP address and device characteristics
- Browser type and version
- Pages viewed and time spent on the site
- Cookies and comparable tracking technologies
- How you arrived at our site and moved through it
3. What We Use It For
- Processing your loan, credit card, and insurance applications
- Matching your profile with suitable products from partner banks and NBFCs
- Keeping you informed about your applications and our services
- Verifying your identity and completing KYC checks
- Improving how our website and services work
- Sending offers and updates — only where you've consented
- Meeting legal and regulatory obligations
- Detecting fraud and keeping our platform safe
4. Who We Share It With
- Partner banks & NBFCs: solely to process the application you choose to make, and only with that specific institution.
- Service providers: vendors who help us operate — SMS gateways, email platforms, analytics tools, and the like.
- Regulators and authorities: where law, regulation, or legal process requires it.
- Credit bureaus: for credit assessment, at the lending institution's requirement.
We never sell your personal information to anyone for marketing or advertising.
5. How We Protect It
- 256-bit SSL encryption on every data transmission
- Encrypted storage for sensitive personal and financial records
- Role-based access controls for our staff
- Periodic security audits and vulnerability testing
- Physically secured data centres
6. Cookies
We use cookies — small text files saved on your device — to understand how visitors use the site and to improve the experience. Your browser settings let you limit or remove cookies whenever you wish.
7. Your Rights
- Access: ask for a copy of the personal data we hold about you.
- Correction: have inaccurate or outdated details fixed.
- Deletion: request erasure of your data, subject to legal retention duties.
- Opt out: stop promotional communications at any time.
- Withdraw consent: revoke your permission for processing whenever you choose.
To exercise any of these rights, write to info@creddo.com.
8. How Long We Keep It
We hold personal information only as long as the purposes in this policy require, or as law demands. Application records are typically retained for seven years to satisfy regulatory requirements.
9. External Links
Links on our site may lead to third-party websites, including partner bank portals. Their privacy practices are their own — please review their policies once you leave our site.
10. Updates To This Policy
We may revise this policy from time to time. Revisions appear on this page with a refreshed "Last updated" date, and we encourage an occasional re-read.
11. Reach Us
For any question or concern about this policy or our handling of your data:
- Email: info@creddo.com
- Phone: +91 78878 02772
- Address: Creddo, Near SP Infocity, Phursungi, Pune, Maharashtra 412308
Last updated: July 3, 2026