Privacy Policy (Updated 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.

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 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 always be 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 details, business turnover, PAN, Aadhaar, GST returns, bank statements, property papers, and other documents voluntarily shared for loan eligibility assessment.

Automatically Collected Information
IP address, browser type, device information, operating system, referral source, and website interaction 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, performance, and user experience. Users can disable cookies via browser settings, though some features may be limited.

3. Purpose of Data Collection

The information collected is used to:

• Assess loan eligibility and suitability

• Connect users with partner banks and NBFCs

• Communicate regarding documentation, status, or service updates

• Improve Website performance and security

• Comply with legal and regulatory requirements

CreditCares does not sell or rent personal data to any third party.

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 evaluation and processing.

All partners are selected carefully and are subject to confidentiality and data protection obligations.

5. Consent for Communication

By submitting information through the Website, calls, or WhatsApp, you consent to receive communications from CreditCares and its verified financial partners related to 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 their personal name, personal bank account, UPI ID, wallet, or cash.

• Clients should not make any payment unless they receive written confirmation through an official CreditCares email ID ending with @creditcares.in.

• Any promise of guaranteed loan approval, faster sanction, credit score improvement, or special benefit in exchange for personal payment is unauthorized.

• CreditCares is not responsible for losses arising from payments made outside official, documented channels.

Clients are strongly advised to verify all payment-related communication using official contact details listed on the Website.

7. Employee Conduct and Misuse Prevention

To protect clients and company integrity, all employees, associates, DSAs, consultants, and partners are strictly prohibited from:

• Misusing the CreditCares name, brand, logo, phone numbers, or identity

• Collecting money directly from clients in any personal capacity

• Making false claims, guarantees, or misrepresentations

• Misusing client data, company systems, documents, or devices

• Stealing, copying, damaging, or manipulating company property or information

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

Any violation is treated as serious misconduct and may result in termination and legal action.

8. Data Security

CreditCares applies reasonable technical and organizational safeguards to protect personal and financial data.

• Sensitive data is protected during transmission

• Payment card details are not stored or processed

• Access to data is limited to authorized personnel only

Despite safeguards, no digital system can be fully secure. Users share information at their discretion.

9. Third-Party Links

The Website may contain links to third-party websites such as banks, NBFCs, or credit bureaus. CreditCares does not control these platforms and is not responsible for their content or privacy practices.

Users should review third-party privacy policies separately.

10. Legal Disclosure

User information may be disclosed if required:

• By law, regulation, or legal process

• By court order or government authority

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

11. Data Retention and Deletion

User data is retained only as long as necessary to complete the loan process or meet legal and regulatory requirements.

Requests for data deletion may be sent to info@creditcares.in with the subject line “Data Deletion Request”.

12. Grievance Redressal

For privacy or data-related concerns, users may contact:

Grievance Officer:
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

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 solely as a loan facilitator (DSA). Final loan approval, terms, and conditions are decided by banks or NBFCs.

Any unauthorized action by an individual employee or third party is a personal act and does not represent CreditCares.

CreditCares shall not be liable for losses caused by reliance on unofficial communication, unauthorized promises, or payments made outside approved channels.