Privacy Policy

Last Updated: September 2, 2026

Welcome to Credfix, a brand owned and operated by Collectedge Techapp Private Limited (referred to as "the Company," "We," "Us," or "Our").

At Credfix, your trust is our most valuable asset. We are committed to safeguarding the privacy and security of the information you share with us. This Privacy Policy outlines how we collect, use, process, and protect your data when you interact with our website, mobile applications (collectively, the "Platform"), or utilize our financial services.

By accessing the Platform, you acknowledge that you have read and understood this policy and consent to the data practices described herein. Where we rely on your consent as the basis for processing, such consent will be obtained separately by way of a clear affirmative action at the time of registration, and may be withdrawn by you at any time.

Information Stewardship: What We Collect

To provide you with seamless financial services, we collect various types of information. This is categorized as follows:

Personal Identification Data

When you register an account or apply for services, we collect:

• Identity Details: Full name, gender, date of birth, and marital status.
• Contact Information: Email address, mobile number, and residential/correspondence address.
• Verification Data: PAN card details, KYC documents, photographs, and digital signatures.

Financial & Credit Information

To assess eligibility and facilitate services, we collect:

• Credit Profiles: Credit scores and history obtained from authorized bureaus, with your express consent for each such collection, and solely on your behalf.
• Payment Data: Bank account details, and (where applicable) encrypted credit/debit card information.

Technical & Usage Data

We automatically capture certain information through your interaction with the Platform:

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

How We Use Your Information

We process your data primarily to fulfill our contractual obligations and improve your experience. Specifically, we use it to:

Data Sharing and Disclosure

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

• Financial Partners: To provide the products you have requested (e.g., lenders or insurers).
• Service Providers: Third-party vendors who assist with cloud hosting, payment processing, or customer support.
• Legal Mandates: When required by law, court order, or government authority to comply with legal processes.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your data may be transferred to the successor entity.

Your Privacy Rights and Choices

As a user of Credfix, you hold the following rights regarding your data:

• Access & Rectification: You may review and update your personal information through your account settings.
• Consent Withdrawal: You can opt-out of marketing communications or withdraw consent for data processing (noting that this may limit your access to certain services).
• Data Deletion: You may request the erasure of your data, subject to statutory retention periods required by Indian law.
• Nomination: You have the right to nominate an individual to manage your data rights in the event of your incapacity.

Data Security and Retention

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

• Storage: All data is stored on secure servers located within India.
• Retention: We retain your information for 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. In all cases, your personal data will be erased once the purpose for which it was collected is no longer being served.

Cookies and Tracking

The Platform uses cookies to enhance functionality and analyze traffic. You can manage cookie preferences through your browser settings; however, disabling them may affect the performance of 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.

Grievance Redressal

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

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.