Privacy Policy

At KreditCall, 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 mobile application and services.

1. Information We Collect

1.1 Personal Information

We collect personal information that you provide directly to us, including:

• Name, date of birth, and gender
• Contact information (phone number, email address)
• Government-issued ID details (Aadhaar, PAN)
• Address (permanent and current)
• Employment and income information
• Bank account details
• Photographs (for KYC verification)

1.2 Financial Information

Through Account Aggregator services, we access:

• Bank account statements and transaction history
• Account balance information
• Credit information from credit bureaus

1.3 Device Information

We automatically collect certain information from your device:

• Device model and operating system
• Unique device identifiers
• IP address and network information
• App version and usage data

2. How We Use Your Information

We use the information we collect to:

• Process and evaluate your loan application
• Verify your identity (KYC compliance)
• Assess your creditworthiness
• Disburse and manage loans
• Communicate with you about your account
• Send repayment reminders and updates
• Improve our services and user experience
• Comply with legal and regulatory requirements
• Prevent fraud and ensure security

3. Information Sharing

We may share your information with:

• Parent NBFC: Usha Financial Services Limited for loan processing
• Credit Bureaus: CRIF for credit assessment and reporting
• Account Aggregators: For accessing financial data with your consent
• Banking Partners: For loan disbursement and collection
• KYC Providers: For identity verification
• Regulatory Authorities: When required by law

We do not sell or rent your personal information to third parties for marketing purposes.

4. Data Security

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

• End-to-end encryption for data transmission
• Secure servers with encryption at rest
• Access controls and authentication
• Regular security audits and monitoring
• Compliance with RBI data security guidelines

5. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations (minimum 8 years as per RBI guidelines)
• Resolve disputes and enforce agreements

6. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your data (subject to legal requirements)
• Withdraw consent for data processing
• Opt-out of marketing communications

7. RBI Digital Lending Compliance

In compliance with RBI Digital Lending Guidelines:

• We obtain explicit consent before collecting your data
• We provide clear disclosure of data usage
• We do not access contacts, photos, or other unrelated data
• Data is stored on servers located in India
• You can request data deletion anytime

8. Contact Us

If you have questions about this Privacy Policy or our data practices, contact us at:

• Email: support@kreditcall.com
• Address: New Delhi, India

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes through the app or email. Your continued use of our services after such modifications constitutes your acceptance of the updated policy.