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Privacy Policy (Updated 2025)

Effective Date: October 6, 2025
Last Updated: October 6, 2025

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, requiring publication of privacy policies and terms of use for websites and digital platforms.

c) The domain https://www.creditcares.in (“Website”) is owned and operated by CreditCares, a loan agency headquartered at Room no. 507, 5th Floor, SALTEE PLAZA, 1 Khudiram Bose, Jessore Rd, Sarani, Kolkata, West Bengal 700080.
The expressions “Company”, “We”, “Us” or “Our” refer to CreditCares and its authorized representatives, employees, and partners.

d) By accessing or using this Website, you agree to the terms outlined in this Privacy Policy and the Terms & Conditions available on https://www.creditcares.in/terms-and-conditions.

e) CreditCares reserves the right to modify or update this Policy at any time. The latest version will always be available on this page. Continued use of the Website constitutes acceptance of any changes.

2. Information We Collect

We collect and store the following categories of information when you interact with our Website or services:

  • Personal Details: Name, mobile number, email address, city, and loan requirement details.

  • Financial Information: Property details, income details, business turnover, and other documents such as PAN, Aadhaar, GST returns, bank statements, and property papers shared voluntarily to assess loan eligibility.

  • Automatically Collected Data: IP address, browser type, device information, and browsing patterns, used for analytics and to improve user experience.

  • User Communications: Messages, feedback, or queries shared via website forms, WhatsApp, or email.

  • Cookies and Tracking: The Website uses cookies to identify returning users, improve load times, and customize content.

You can choose to disable cookies through your browser settings, though some website features may not function properly as a result.

3. How We Use the Information

The information collected is used to:

  • Evaluate loan eligibility and match users with suitable banks or NBFCs.

  • Share information with authorized financial institutions for processing the loan request.

  • Contact users via phone, WhatsApp, or email for loan-related updates.

  • Improve website performance, content, and security.

  • Comply with applicable legal and regulatory obligations.

We do not sell or rent user data to any third party.

4. Lead and Data Sharing

By submitting your details, you authorize CreditCares to share your information with partner banks, NBFCs, and financial institutions for the purpose of verifying eligibility and processing loan applications.

Data is shared only with trusted partners bound by confidentiality and data protection agreements.

5. Consent for Communication

By submitting your details through any form, call, or WhatsApp message, you consent to receive communications — including promotional or transactional messages — from CreditCares and its verified banking/NBFC partners related to your loan request.

If you wish to opt out of future communications, you may email us at info@creditcares.in.

6. Security of Data

We use industry-standard security measures to protect user data. Personal and financial information shared through our Website is encrypted during transmission.

We do not store or process payment information such as debit/credit card details.

Access to user data is restricted to authorized personnel and shared only for legitimate business purposes.

7. Third-Party Links and Content

Our Website may contain links to third-party platforms, such as partner banks, NBFCs, or credit bureaus. CreditCares does not control or endorse these third-party sites and is not responsible for their privacy practices.
Users are encouraged to review the privacy policies of those websites before sharing personal data.

8. Legal Disclosure

We may disclose user information:

  • If required by law, regulation, or legal process;

  • To comply with government or court orders;

  • To protect the rights, property, or safety of CreditCares, its users, or the public.

9. Data Retention

We retain user data only as long as necessary for:

  • Completing the loan process, or

  • Fulfilling legal or regulatory obligations.

Users may request data deletion by emailing info@creditcares.in with a subject line “Data Deletion Request”.

10. Grievance Redressal

For any privacy-related complaints or data protection concerns, you may contact our Grievance Officer:

Name: Yash Jaiswal (Authorized Representative)
Email: info@creditcares.in
Address: Room no. 507, 5th Floor, SALTEE PLAZA, 1 Khudiram Bose, Jessore Rd, Sarani, Kolkata, West Bengal 700080

11. Jurisdiction

All disputes arising from this Privacy Policy are governed by the laws of India.
The courts located in Kolkata, West Bengal shall have exclusive jurisdiction in case of any dispute.

12. Disclaimer

The Website provides general information about various loan products sourced from partner banks and NBFCs. CreditCares is a loan facilitator (DSA) and does not guarantee loan approval or control the final decision of any financial institution.

All information provided is for guidance only. Users are advised to verify details directly with the respective bank or NBFC before making financial decisions.

CreditCares and its affiliates are not liable for any loss, harm, or damage arising from reliance on information available on this Website or linked sites.

© 2025 CreditCares. All Rights Reserved.
Website: https://www.creditcares.in