Privacy Policy

1. Introduction

Creditlo (referred to as "we", "us", or "our") operates this website and associated services. This Privacy Policy governs the collection, use, processing, storage, transfer, and disclosure of your personal information and data when you access or use our services. By accessing or using our website, you expressly consent to the collection and use of your information as described in this Privacy Policy.

IF YOU DO NOT AGREE WITH THIS PRIVACY POLICY, YOU MUST NOT ACCESS OR USE OUR SERVICES.

2. Information We Collect

2.1 Personal Information

We collect and may store the following personal information:

• Full name, email address, phone number, and mailing address
• Date of birth, age, gender, and demographic information
• Government-issued identification numbers (PAN, Aadhaar, Passport, Driving License)
• Financial information including income, credit score, bank account details, credit/debit card information
• Employment details, employer name, and salary information
• Educational qualifications and professional background
• Photographs and biometric data if provided

2.2 Automatically Collected Information

We automatically collect:

• IP address, browser type and version, operating system
• Device identifiers (IMEI, MAC address, advertising ID)
• Location data (precise GPS location when permitted)
• Browsing history, search queries, and page views on our website
• Click patterns, time spent on pages, and interaction data
• Cookies, web beacons, and similar tracking technologies data
• Referral URLs and exit pages

2.3 Information from Third Parties

We may collect information about you from:

• Credit bureaus and financial institutions
• Social media platforms and public databases
• Data aggregators and marketing partners
• Government databases and public records
• Analytics service providers and advertising networks

3. How We Use Your Information

We use your information for the following purposes:

• Providing, maintaining, and improving our services
• Processing your applications and requests
• Personalizing content, recommendations, and advertisements
• Marketing, promotional, and advertising purposes
• Conducting credit checks and financial assessments
• Creating detailed user profiles and behavioral analysis
• Market research, data analytics, and statistical analysis
• Fraud prevention, security monitoring, and risk assessment
• Compliance with legal obligations and regulatory requirements
• Enforcing our terms of service and policies
• Any other purpose with your consent or as permitted by law

4. Information Sharing and Disclosure

We may share your information with:

• Financial Institutions: Banks, NBFCs, credit card companies, and lending partners
• Service Providers: Third-party vendors, consultants, and contractors
• Business Partners: Affiliate networks, marketing partners, and advertisers
• Credit Bureaus: CIBIL, Experian, Equifax, and other credit reporting agencies
• Analytics Providers: Google Analytics, Facebook Pixel, and similar services
• Advertising Networks: For targeted advertising and remarketing
• Data Aggregators: For data enrichment and market research
• Government Authorities: When required by law or legal process
• Business Transfers: In connection with mergers, acquisitions, or asset sales
• Related Entities: Our affiliates, subsidiaries, and parent companies

We reserve the right to share your information with any third party for any lawful purpose.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. This may include retaining your information indefinitely for legal, regulatory, fraud prevention, or business purposes. Even after account deletion, we may retain and use your information as permitted by law.

6. Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar tracking technologies to collect information about your browsing activities. This includes:

• Essential cookies for website functionality
• Analytics cookies to understand user behavior
• Advertising cookies for targeted marketing
• Third-party cookies from our partners and service providers
• Session and persistent cookies

By continuing to use our website, you consent to our use of cookies and tracking technologies. Most browsers accept cookies automatically, but you can modify your browser settings to decline cookies. However, this may limit your ability to use our services.

7. Data Security

While we implement reasonable security measures to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information. You acknowledge and accept the inherent security risks of providing information online. We are not responsible for any breach of security or unauthorized access to your information.

8. International Data Transfers

Your information may be transferred to, processed, and stored in countries outside India, including countries that may not have data protection laws equivalent to those in India. By using our services, you expressly consent to such international transfers of your information.

9. Your Rights and Choices

Subject to applicable law, you may have certain rights regarding your personal information:

• Access and obtain a copy of your personal information
• Request correction of inaccurate information
• Request deletion of your information (subject to legal retention requirements)
• Opt-out of certain uses of your information
• Withdraw consent where processing is based on consent

However, please note that exercising these rights may limit or prevent you from using our services. We may deny requests that are unreasonable, excessive, or prohibited by law. We reserve the right to charge a fee for processing requests.

10. Third-Party Websites and Services

Our website may contain links to third-party websites and services. We are not responsible for the privacy practices or content of these third parties. Your interactions with third-party websites are governed by their respective privacy policies.

11. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you are under 18, you must not use our services or provide any information to us.

12. Changes to Privacy Policy

We reserve the right to modify this Privacy Policy at any time without prior notice. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes constitutes acceptance of the modified Privacy Policy. We are not obligated to notify you of changes.

13. Consent

BY USING OUR SERVICES, YOU EXPRESSLY CONSENT TO:

• Collection, use, processing, and disclosure of your information as described in this Privacy Policy
• Transfer of your information to third parties
• Use of cookies and tracking technologies
• International transfer of your data
• Retention of your information as described herein
• Receiving marketing and promotional communications

14. Governing Law and Jurisdiction

This Privacy Policy shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or relating to this Privacy Policy shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra, India.

15. Contact Information

For questions or concerns regarding this Privacy Policy or our data practices, you may contact us at: