Privacy Policy

Last updated: 18 February 2026

1. Introduction

CredSuvidha ("we", "us", "our") is committed to protecting the privacy and security of your personal data. This Privacy Policy explains how we collect, use, store, share, and protect your information when you use our website www.credsuvidha.com and our financial facilitation services.

This policy is drafted in compliance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023 (DPDP Act).

2. Data We Collect

We collect the following categories of personal data:

a) Information You Provide

  • Full name, email address, phone number, city
  • Loan requirements (type, amount, tenure)
  • Service preferences (loans, credit cards, insurance)
  • Any additional details shared via the contact form or phone calls

b) Automatically Collected Data

  • IP address, browser type, device information
  • Pages visited, time spent, referral source
  • Cookies and similar tracking technologies (see Section 7)

We do not collect sensitive financial data such as bank account numbers, credit card numbers, Aadhaar, or PAN directly. Any such data required for loan processing is collected directly by our banking partners through their secure portals.

3. Purpose of Data Collection

We use your personal data for the following purposes:

  • To process and respond to your loan/service inquiries
  • To connect you with appropriate banking partners and financial institutions
  • To provide EMI calculations and product comparisons
  • To communicate updates about your application status
  • To send relevant financial product information (with your consent)
  • To improve our website and services
  • To comply with legal and regulatory obligations

4. Legal Basis for Processing (DPDP Act, 2023)

Under the Digital Personal Data Protection Act, 2023, we process your personal data based on:

  • Consent: You provide explicit consent when submitting the contact/inquiry form
  • Legitimate Use: Processing necessary to fulfill the service you requested
  • Legal Obligation: Where required by applicable Indian laws and regulations

You have the right to withdraw your consent at any time by contacting us at info@credsuvidha.com.

5. Data Sharing & Third Parties

We may share your personal data with:

  • Banking Partners & NBFCs: To process your loan/card/insurance applications
  • Insurance Companies: For insurance product facilitation
  • Service Providers: Email service (EmailJS), website hosting (Netlify), analytics
  • Legal Authorities: When required by law, court order, or regulatory directive

We do not sell your personal data to third parties. All partner institutions are bound by their own privacy policies and RBI/IRDAI regulations.

6. Data Retention

We retain your personal data for as long as necessary to fulfill the purposes outlined in this policy, typically:

  • Active inquiries: Until the service is completed or 2 years from last interaction
  • Completed services: Up to 5 years for regulatory compliance
  • Marketing communications: Until you withdraw consent

After the retention period, data is securely deleted or anonymised.

7. Cookies & Tracking

Our website uses cookies and similar technologies for:

  • Essential Cookies: Required for website functionality (cookie consent preference)
  • Analytics Cookies: To understand website usage patterns (if analytics is enabled)

You can manage your cookie preferences through our cookie consent banner. You may also disable cookies through your browser settings, though some features may not work properly.

8. Your Rights (Under DPDP Act, 2023)

As a data principal, you have the following rights:

Right to Access

Request a summary of your personal data we hold

Right to Correction

Request correction of inaccurate or incomplete data

Right to Erasure

Request deletion of your personal data (subject to legal obligations)

Right to Withdraw Consent

Withdraw your consent for data processing at any time

Right to Grievance Redressal

File a complaint with our Grievance Officer or the Data Protection Board

Right to Nominate

Nominate a person to exercise your rights in case of death or incapacity

To exercise any of these rights, email us at info@credsuvidha.com with the subject line "Data Privacy Request".

9. Data Security

We implement appropriate technical and organizational security measures including:

  • SSL/TLS encryption for all data in transit
  • Secure hosting infrastructure (Netlify) with DDoS protection
  • Access controls limiting data access to authorized personnel only
  • Regular review of security practices

While we take every reasonable precaution, no method of electronic storage or transmission is 100% secure. We cannot guarantee absolute security.

10. Children's Privacy

Our services are not directed at individuals under 18 years of age. We do not knowingly collect personal data from minors. If we become aware of such data, it will be promptly deleted.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via a notice on our website. The "Last updated" date at the top reflects the most recent revision.

12. Grievance Officer

Grievance Officer / Data Protection Contact

Name: Gopa Kumar

Email: gopakumar@credsuvidha.com

Phone: +91 93076 73391

Address: Pune, Maharashtra, India

Complaints will be acknowledged within 48 hours and resolved within 30 days.

13. Contact Us

For any privacy-related queries, contact us at: