Privacy Policy

At Creditsin, your privacy isn't an afterthought—it’s at the core of every interaction. As a product powered by Navavista Technology Ventures Pvt. Ltd., we uphold a strict privacy philosophy grounded in transparency, integrity, and your right to control your personal data.

Whether you browse our website at www.creditsin.com, interact through our mobile applications, or engage with our financial matchmaking services, this Privacy Policy outlines how we collect, manage, share, and safeguard your data. Our practices are fully compliant with Indian data protection regulations and globally recognized data privacy norms.

Creditsin is a digital financial advisory platform operated by Navavista Technology Ventures Pvt. Ltd., a private limited company duly incorporated under the Companies Act, 2013, in the Republic of India. Our mission is to simplify the credit journey for millions by helping them discover, compare, and apply for suitable financial products—while preserving their privacy and agency.

We collect different types of data to provide personalized services and ensure seamless user experiences. These are categorized as follows:

a. Personally Identifiable Information (PII)

This includes all data that directly identifies you or could be used to identify you:

• Full Name (First, Middle, Last)
• Contact Number (Mobile or Landline)
• Email Address
• Gender and Date of Birth
• Residential and Communication Address
• Area Pincode and City
• Government-issued identifiers: PAN, Aadhaar (where applicable)
• Employment details: Occupation, Company Name, Type of Employment
• Financial profile: Monthly/Annual Income, Salary Slips, Income Tax Returns
• Loan or Credit Card Application Details
• Credit Bureau Scores and Reports

b. Non-Personal & Technical Information

Collected automatically as you interact with our digital properties:

• Device Metadata (Make, Model, OS)
• IP Address and Location Metadata
• Browser Type and Version
• Access Time, Referral Source, and Navigation Path
• User Interaction Logs (Clicks, Scrolls, Bounce Rate)

c. Communication Records

If you contact us via email, live chat, WhatsApp, or phone (including IVR or telecalls), we record:

• Nature of Inquiry
• Chat and Voice Transcripts
• Resolution Details and Feedback

d. Third-Party Sourced Data

With your explicit permission, we may receive your data from:

• Credit Bureaus (e.g., CIBIL™, Experian™, CRIF Highmark™, Equifax™)
• Banking Institutions and NBFCs
• Insurance companies and mutual fund platforms
• Affiliate networks and digital consent aggregators

Note: All data is accessed using secure APIs and governed by strict confidentiality and purpose-bound agreements.

Your data is not an asset to be sold. It is a responsibility we uphold with accountability. Here's how we use your information:

To Deliver and Optimize Our Services

• Match your profile with appropriate credit cards, loans, insurance, and investment products.
• Automate application processes for instant approval or pre-qualified offers.
• Enable credit score tracking, monitoring, and improvement suggestions.
• Generate personalized financial dashboards.

To Continuously Enhance the User Experience

• Customize content and recommendations based on behavior.
• Identify bottlenecks in navigation or performance.
• Improve UI/UX via analytics and A/B testing tools.

To Communicate and Inform

• Share application status updates, KYC reminders, and approval notices.
• Notify you of eligible offers, time-limited campaigns, and cashback programs.
• Provide onboarding help, documentation assistance, and troubleshooting.

To Enable Referrals, Rewards, and Payouts

• Track user invitations and conversions under referral programs.
• Disburse earned commissions or wallet credits securely.

To Comply With Legal and Regulatory Obligations

• Adhere to KYC (Know Your Customer), AML (Anti-Money Laundering), and Data Retention laws.
• Cooperate with enforcement or financial regulatory bodies when mandated by law.

We NEVER sell your personal data. Sharing is limited to partners necessary to fulfill your requests, and all such transfers are covered by robust legal safeguards.

We use a mix of cookies, pixels, and local storage to collect behavioral insights.

Types of Cookies We Use:

• Cookies: Enable core functionalities like login sessions.
• Performance Cookies: Help analyze usage patterns to improve efficiency.
• Marketing Cookies: Tailor ads and offers based on your interests.

Why We Use These Tools:

• Store login preferences for returning users.
• Understand how visitors interact with content.
• Measure campaign effectiveness.
• Re-target you with relevant financial products across platforms.

⚙️Opt-out Tip: You can disable non-essential cookies by modifying your browser or device privacy settings at any time.

4. How Your Data is Shared – Disclosures, Not Deals

Your personal data is never sold. We may, however, share data under the following circumstances:

Authorized Partners and Affiliates

• Banks, NBFCs, Insurance Providers, and Mutual Fund Companies
• Used strictly for processing your application or fulfilling your service requests.

Technical & Infrastructure Vendors

• Cloud Hosting Providers, CDNs, and Email Servers
• These partners enable faster services and data redundancy.

Analytics & Marketing Platforms

• Tools like Google Analytics, Firebase, and Meta Pixel help us understand user behavior.
• Any data shared is anonymized and aggregated where possible.

Legal & Compliance Requests

We may disclose your data when required to:

• Cooperate with legal investigations.
• Comply with court orders or tax authorities.
• Prevent fraud or enforce terms of use.

Every third party must sign a Data Processing Agreement (DPA) and follow applicable privacy laws.

5. Data Security – Our Fortress of Digital Protection

data is not only confidential—it’s encrypted, guarded, and constantly monitored.

Our Cybersecurity Protocol Includes:

• End-to-End Encryption for all sensitive personal and financial data.
• Advanced Firewalls and Intrusion Detection Systems.
• Role-Based Access Controls (RBAC) to limit who can see your data internally.
• Regular Penetration Testing, Code Audits, and Compliance Checks.
• Secure APIs and TLS Protocols for data in transit.

Data Retention Policy

• We store your data only for as long as necessary to fulfill its intended purpose or meet legal mandates.
• Redundant or outdated data is securely purged or anonymized.

6. Your Privacy Rights – Control in Your Hands

As a user of Creditsin, you retain full autonomy over your personal data. You can:

Request to Access or View Your Data

• Get a snapshot of the data stored with us.
• Know where your data has been shared.

Request Data Rectification

• Spot an error in your profile? Just email us, and we’ll correct it.

Right to Be Forgotten

• Ask for deletion of your data—permanently—unless legal retention applies.

Marketing Opt-Outs

• Unsubscribe from promotional emails or SMS anytime.
• Manage preferences from your account or contact us.

7. Consent and Withdrawal – You Are in Charge

By accessing our services, you consent to the terms outlined in this Privacy Policy. However, you can withdraw your consent at any time by:

• Discontinuing use of the website or app.
• Writing to us to revoke consent and request deletion (subject to partner obligations).

Withdrawal will not affect the lawfulness of prior processing based on earlier consent.

8. Communication & Outreach Consent – Explicit Authorization Explained

When you submit your details on Creditsin, you agree to receive communication from us and our approved partners through:

• Phone Calls, including IVRs and agent calls
• Emails (transactional and promotional)
• SMS Messages (alerts, OTPs, offers)
• WhatsApp Messages
• Push Notifications from our mobile app

These messages may include information about:

• Loan or credit card offers
• Insurance quotes
• Credit score monitoring updates
• Referral program earnings
• Exclusive discounts and partner campaigns

This consent overrides any DND (Do Not Disturb) registration under TRAI guidelines. Opt-Out Channels:

• Click "Unsubscribe" in marketing emails.
• Reply STOP to promotional SMS.
• Email us at: support@creditsin.com

9. Children’s Privacy – Strictly 18+

Creditsin’s services are intended solely for individuals aged 18 years and above. We do not knowingly collect, solicit, or store personal data from minors.

If we become aware that data has been provided by an underage user, it will be promptly deleted in accordance with applicable laws.

10. Policy Revisions – Staying Updated

periodically review and update our Privacy Policy to reflect changes in legal standards, technology, or internal practices.

What Happens When We Update?

• The “Effective Date” at the top will change.
• A notification may appear on the website/app for major changes.
• Continued use implies acceptance of the revised policy.

We encourage users to review this page periodically for the latest information on our privacy practices.

If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal data, please contact us at:

1. Contact: +91-9620646047
2. Email: support@creditsin.com
3. Website: www.creditsin.com