Privacy Policy

1. General

a) This document is an electronic record under the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023. It does not require physical or digital signatures.

b) This Privacy Policy is published in accordance with Rule 3(1) of the Information Technology (Intermediaries Guidelines & Digital Media Ethics Code) Rules, 2021.

c) The domain https://www.creditcares.in (“Website”) is owned and operated by Creditcares, a loan agency headquartered at:
56L Bidhannagar Road, Ultadanga, Kolkata, West Bengal 700067, India.

The terms “Company”, “We”, “Us”, or “Our” refer to Creditcares and its authorized representatives acting within approved roles and responsibilities.

d) By accessing or using this Website, you agree to the practices described in this Privacy Policy.

e) Creditcares may update this Privacy Policy at any time. The latest version will remain available on this page. Continued use of the Website indicates acceptance of updates.

2. Information We Collect

We may collect the following information when you interact with our Website or services:

Personal Information

Name, mobile number, email address, city, profession, and loan-related requirements.

Financial and KYC Information

Property details, income information, business turnover, PAN, Aadhaar, GST returns, bank statements, property papers, and documents voluntarily shared for eligibility assessment.

Automatically Collected Information

IP address, browser type, device information, operating system, referral source, and website usage data for analytics and security.

Communication Data

Messages, calls, emails, WhatsApp chats, or form submissions shared with Creditcares.

Cookies and Tracking Technologies

Cookies may be used to improve functionality and performance. Users can disable cookies via browser settings, though some features may not work properly.

3. Purpose of Data Collection

The collected information may be used to:

• Evaluate loan eligibility and requirements

• Connect users with partner banks and NBFCs

• Communicate regarding documentation, status, or updates

• Improve website performance and security

• Meet legal and regulatory obligations

Creditcares does not sell or rent personal data to third parties.

4. Sharing of Information

By submitting your details, you authorize Creditcares to share relevant information with partner banks, NBFCs, and financial institutions strictly for loan processing and evaluation.

All partners are selected carefully and are expected to follow confidentiality and data protection standards.

5. Consent for Communication

By submitting information through the Website, phone, or WhatsApp, you consent to receive communication from Creditcares and its verified financial partners regarding your inquiry.

You may request to stop non-essential communication by emailing info@creditcares.in.

6. Client Payment Safety and Fraud Awareness

For client protection:

• Creditcares does not authorize any employee, agent, or associate to collect money in personal name, bank account, UPI ID, wallet, or cash.

• Payments should only be made after written confirmation from an official email ending with @creditcares.in.

• Any promise of guaranteed approval, faster sanction, credit score manipulation, or special benefit against personal payment is unauthorized.

• Creditcares is not responsible for losses from payments made outside official documented channels.

• Clients are strongly advised to verify payment instructions using official contact details listed on the Website.

7. Employee Conduct and Misuse Prevention

All employees, DSAs, associates, and partners are strictly prohibited from:

• Misusing the Creditcares name, logo, brand, or identity

• Collecting money directly from clients in any personal capacity

• Making false claims or guarantees

• Misusing client data, systems, or documents

• Copying, damaging, or manipulating company property or information

• Acting in any way that harms client trust or company reputation

Violations may lead to termination and legal action.

8. Data Security

Creditcares applies reasonable technical and organizational safeguards:

• Sensitive data is protected during transmission

• Payment card details are not stored

• Data access is limited to authorized personnel only

No online system is completely secure, and users share information at their own discretion.

9. Third-Party Links

The Website may include links to banks, NBFCs, credit bureaus, or external platforms. Creditcares does not control these websites and is not responsible for their privacy practices.

Users should review third-party policies separately.

10. Legal Disclosure

Information may be disclosed if required:

• By law or legal process

• By court order or government authority

• To protect the rights, safety, or property of Creditcares, users, or the public

11. Data Retention and Deletion

User data is retained only as long as required for loan processing or legal compliance.

Data deletion requests may be sent to info@creditcares.in with subject line: “Data Deletion Request”.

12. Grievance Redressal

Grievance Officer:
Yash Jaiswal (Authorized Representative)
Email: info@creditcares.in

Address:
Creditcares
56L Bidhannagar Road
Ultadanga, Kolkata, West Bengal 700067
India

13. Jurisdiction

This Privacy Policy is governed by the laws of India.
Courts located in Kolkata, West Bengal shall have exclusive jurisdiction.

14. Disclaimer

Creditcares acts as a loan facilitator/DSA. Final loan approval, interest rates, eligibility, and terms are decided solely by partner banks or NBFCs.

Unauthorized actions by any individual employee, associate, or third party are personal acts and do not represent Creditcares.

Creditcares shall not be liable for losses arising from unofficial communication, unauthorized promises, or payments made outside approved channels.