Privacy Policy

Last Updated: December 24, 2025

Welcome to credfix, a brand owned and operated by Accio Finserv Pvt Ltd (referred to as the "Company," "We," "Us," or "Our"). At credfix, your trust is our most valuable asset. This Privacy Policy explains how we collect, use, process, and protect your data when you interact with our website, mobile applications (collectively, the "Platform"), or use our financial services.

By accessing the Platform, you acknowledge that you have read and understood this policy and consent to the data practices described here.

Information Stewardship: What We Collect

To provide seamless financial services, we collect information across the following categories.

Personal Identification Data

• Identity details, including full name, gender, date of birth, and marital status.
• Contact information, including email address, mobile number, and residential or correspondence address.
• Verification data, including PAN card details, KYC documents, photographs, and digital signatures.

Financial & Credit Information

• Credit scores and credit history obtained from authorized bureaus.
• Bank account details and, where applicable, encrypted credit or debit card information.

Technical & Usage Data

• IP address, MAC address, browser type, operating system, and unique device identifiers.
• Pages visited, time spent on the Platform, and navigation patterns.
• Registration dates, login timestamps, and password change history.

How We Use Your Information

We process your data primarily to fulfill contractual obligations and improve your experience.

Data Sharing and Disclosure

We do not sell your personal data. We may share information with trusted third parties in the following circumstances.

• Financial partners, including lenders or insurers, to provide products you have requested.
• Service providers who assist with cloud hosting, payment processing, customer support, and related operations.
• Legal authorities when required by law, court order, or government authority.
• Successor entities in the event of a merger, acquisition, or sale of assets.

Your Privacy Rights and Choices

As a credfix user, you hold the following rights regarding your data.

• Access and rectify your personal information through account settings where available.
• Opt out of marketing communications or withdraw consent for data processing, noting that this may limit access to certain services.
• Request erasure of your data, subject to statutory retention periods required by Indian law.
• Nominate an individual to manage your data rights in the event of incapacity.

Data Security and Retention

We implement technical and organizational measures, including AES encryption and secure socket layers, to protect your data.

• All data is stored on secure servers located within India.
• We retain information as long as necessary to provide services, or for a maximum of 10 years following account deactivation, unless a longer period is mandated by law.

Cookies and Tracking

The Platform uses cookies to enhance functionality and analyze traffic. You can manage cookie preferences through your browser settings, though disabling cookies may affect certain Platform features.

Protection of Minors

Our services are designed exclusively for individuals aged 18 and above. We do not knowingly collect information from minors. If we become aware of such data collection, it will be deleted immediately.

Governing Law

This Privacy Policy is governed by the laws of India. Any disputes arising from this policy shall be subject to the exclusive jurisdiction of the courts in Bengaluru, India.

Grievance Redressal

If you have questions regarding this policy or wish to report a grievance, please contact our designated Grievance Officer.