Privacy Policy

1. Introduction

Welcome to Credmantri.com ("Company", "we", "our", or "us"). We are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy outlines how we collect, use, process, disclose, and protect your information when you visit our website, mobile application, or use our financial advisory and loan facilitation services.

By accessing or using our platform, you agree to the collection and use of your information in accordance with this Privacy Policy and applicable data protection regulations.

2. Information We Collect

To provide credit analysis, loan matchmaking, and financial management tools, we collect the following types of information:

• Personal Identifiable Information (PII): Full name, date of birth, gender, contact number, email address, permanent and residential address, and identity proof details (such as PAN number).
• Financial Information: Monthly income, employment type, employer details, existing loan details, bank account details, and credit report information retrieved with your explicit consent.
• Device and Technical Information: IP address, device identifier, operating system, browser type, cookies, and usage logs recorded during your site visits.

3. How We Use Your Information

We use the collected information for the following legitimate purposes:

• To pull your credit score and history from registered Credit Information Companies (CIBIL, Experian, Equifax, or CRIF High Mark) upon your consent.
• To match you with suitable lending partners (Banks and NBFCs) for credit cards, personal loans, business loans, or credit rebuilding services.
• To verify your identity and perform KYC checks as mandated by regulatory authorities.
• To send transactional notifications, OTP alerts, and critical updates regarding your applications.
• To enhance platform security, troubleshoot technical issues, and improve overall user experience.

4. Information Sharing and Disclosure

We do not sell, rent, or trade your personal data. We disclose your data only in the following scenarios:

• Lending Partners & Financial Institutions: With authorized banks and NBFCs only when you explicitly apply for a financial product or request an offer.
• Credit Rating Agencies: To retrieve your official credit report as authorized by you.
• Service Providers: With certified third-party vendors (such as cloud hosting, SMS gateways, and analytics) bound by strict confidentiality agreements.
• Legal Compliance: When required by applicable law, court order, or regulatory body (such as the Reserve Bank of India).

5. Data Security and Retention

We adhere to strict data security measures, including 256-bit SSL encryption, firewalls, and restricted access controls, to safeguard your data against unauthorized access, alteration, or disclosure.

Your data is retained only as long as necessary to fulfill the purposes set out in this policy, resolve disputes, or comply with statutory retention requirements under applicable financial and tax laws.

6. Your Rights and Choices

Under applicable data privacy laws, you have the following rights:

• Access and Rectification: You may request access to or updates for any incorrect personal data.
• Revoke Consent: You may revoke your consent for data processing or promotional communications at any time.
• Account Deletion: You may request the deletion of your account and related records, subject to regulatory retention mandates.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to recognize you, remember your preferences, and deliver personalized content. You can manage or disable cookies through your browser settings, though some platform features may become restricted.

8. Grievance Officer & Contact Information