Privacy Policy

1. Information We Collect

We collect the following types of information when you use our services:

a. Personal Information:

• Name, date of birth, PAN, Aadhaar (if applicable) for Credit Report Pull
• Contact details (email and phone number)
• Employment details and income information (optional)
• Bank account details for investment transactions (optional)
• Investment preferences and risk profile

b. Credit Information:

• With your explicit consent, we retrieve your credit bureau report from authorized credit bureaus in India.
• Credit score, repayment history, outstanding loans, and other credit-related details.

c. Technical and Usage Information:

• IP address, device information, browser type
• Cookies and tracking technologies to enhance user experience
• Transaction details and interactions with our platform

2. How We Use Your Information

We use your information for the following purposes:

• To provide investment recommendations tailored to your financial profile
• To assess your creditworthiness and eligibility for financial products
• To comply with regulatory requirements under SEBI, RBI, and other financial regulators
• To improve our services, security, and user experience
• To communicate relevant offers, updates, and personalized financial insights
• To prevent fraud and ensure the security of our platform

3. Sharing and Disclosure of Information

We do not sell or rent your personal information. However, we may share your information with:

• Regulatory Authorities: As required by SEBI, RBI, or other relevant regulators.
• Credit Bureaus: With your consent, for retrieving credit reports.
• Third-Party Partners: Investment firms, mutual funds, and financial institutions for executing investment recommendations.
• Service Providers: Data storage, analytics, customer support, and payment processing partners under strict confidentiality agreements.
• Legal Compliance: In response to court orders, legal requests, or to protect our legal rights.

4. Consent and Control

• By using our services, you provide explicit consent to collect and process your data.
• You have the right to withdraw your consent for credit report retrieval at any time.
• You may opt out of marketing communications by contacting us.

5. Data Security

We implement industry-standard security measures, including:

• Data encryption (AES-256) for sensitive information
• Secure access controls and authentication mechanisms
• Regular security audits and compliance checks

6. Data Retention

We retain your personal data only for as long as necessary to fulfil our obligations or as required by applicable laws. Credit bureau reports are not stored beyond the permitted duration.

7. Your Rights

As per Indian data protection laws, you have the right to:

• Access, update, or correct your personal information
• Request deletion of your data (subject to legal limitations)
• Object to data processing in specific circumstances

8. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for their privacy practices and recommend reviewing their privacy policies separately.

9. Changes to this Policy

We may update this Privacy Policy periodically. Any changes will be communicated through our website or app.

10. Contact Us

For any questions or concerns regarding this Privacy Policy, contact us at: