Privacy Policy
Your privacy and data security are our top priorities at creditU. Learn how we handle your information with transparency and care.
Information We Collect
We collect information you provide directly to us when you create an account, apply for a loan, or communicate with us. This includes identity data (Aadhar, PAN), contact information, and financial history necessary for credit assessment.
How We Use Your Data
Your data is primarily used to evaluate loan eligibility, process applications, and prevent fraud. We also use it to communicate account updates, security alerts, and personalized financial offers that may benefit you.
Information Sharing
We do not sell your personal data. We only share information with regulated financial partners, credit bureaus (like CIBIL), and service providers who help us operate our loan services under strict confidentiality agreements.
Data Retention
We retain your information as long as necessary to provide services and comply with legal or regulatory requirements set by the Reserve Bank of India (RBI).
Your Rights
You have the right to access, correct, or request deletion of your personal information. You can also opt-out of marketing communications at any time through your account settings.
Cookies & Tracking
We use cookies to enhance your experience, remember preferences, and analyze app usage. You can manage cookie settings in your browser, but some features may not work without them.
Children's Privacy
Our services are not intended for individuals under 18. We do not knowingly collect information from children. If we discover such data, we will delete it immediately.
Policy Updates
We may update this policy periodically to reflect changes in our practices or for legal reasons. We will notify you of any significant changes via email or app notifications.
Still have questions?
Our compliance team is here to help if you need further clarification on our data handling practices or have specific privacy concerns.
Contact Privacy Team