Credsync Privacy Policy

(Last Updated on 18 September, 2025)

This privacy policy (“Policy”) describes the information collected from you (hereinafter referred to as “You”, “Your” or “User”) on Your visit to the Platform (defined further) and use of Platform; manner and procedure of collection of such information; use, storage, and disclosure of information collected; rights and choices available to You with respect to the information collected; and how Credsync Private Limited and its affiliates, successors and assigns (hereinafter referred to as “Credsync”, “We”, “Us or “Our”) protects the information collected.

Credsync owns and operates a website, accessible on https://credsync.co.in/ , and a mobile application under the brand name ‘Credsync’ (hereinafter collectively referred to as “Platform”).

This Policy constitutes a legal agreement between You as the User of the Platform, and Credsync, as the owner of the Platform. For clarity, User shall mean any person, who visits, uses and/ or transacts through the Platform. You are permitted to use the Services available on the Platform only if you are a natural person, citizen of India, and at least eighteen (18) years of age.

This Policy supersedes any prior communication on this subject matter and excludes third-party websites/ applications that are connected via links to the Platform and stores from where You download Credsync mobile application. We urge You to read the terms and conditions of the third-party websites, stores and applications and use/access them at Your own risk. Credsync shall not be liable or responsible to You for any acts or omission of third-party websites, applications or stores as Credsync does not have any control over such websites, stores and applications.

By visiting or accessing the Platform and voluntarily providing Us with information, including, but not limited to, personal information and sensitive personal information, You are consenting to Our use of the information in accordance with this Policy.

IF YOU DO NOT AGREE WITH THE TERMS AND CONDITIONS OF THIS POLICY, PLEASE DO NOT USE OR ACCESS THIS PLATFORM.

This Policy is a part of the ‘Terms & Conditions’ located [here]. Your use of the Platform will be governed by this Policy together with all policies, notices, guidelines, disclaimers that are published on the Platform and/or shared with You from time to time and such other terms as may be applicable to You as a User of the Platform.

This Policy shall be enforceable against You in the same manner as any other written agreement.

We reserve the right to modify this Policy at any time and update this Policy from time to time, so please review this Policy frequently to understand the latest privacy practices adopted by Us. Changes and modifications to this Policy will take effect immediately upon posting on the Platform. Any continued use of the Services shall signify Your acceptance of such updated Policy.

Services

Credsync is in the business of inter alia, providing services (“Services”) in the nature of:

1. Provision of Financial Health Report

We fetch Your financial report (“Report”) from credit bureaus and other data sources as Your agent after obtaining Your explicit consent and authorization. We share the report along with an analysis to educate You regarding Your financial health. The Report helps us understand Your credit health in relation to which We also provide advice on ways to improve financial well-being.

• Information that We Collect: We collect Your name, address, email ID, mobile number, age, date of birth, gender and PAN to establish Your identity for this purpose.

• Sharing of Report: This Report is provided to You and is not shared with any third party without Your explicit consent.

On provision of information as mentioned in this Clause, You provide your express consent to Us to use the information for the purposes stated in this Clause in accordance with this Policy.

2. Facilitating the Provision of Loans and Other Financial Products:

Credsync has partnered with various banks and NBFCs (collectively, “Lending Partners”) that offer loans and other financial products. Credsync acts as an intermediary for the purposes of connecting You with the Lending Partners and enabling You to avail products offered by Lending Partners.

• Information that We Collect: We collect the following information from You with Your explicit consent per instructions from Lending Partners for processing Your application:

  • Marital status,

  • Aadhar number,

  • Education details,

  • Details of parents,

  • House ownership details,

  • Salary account details,

  • Name of the bank where You have a primary account,

  • Bank statements,

  • Pay slips,

  • Details regarding Your employment, comprising of years of experience,

  • Details of income,

  • Name of the current and previous employers,

  • Details regarding the years/months completed with the current employer;

  • KYC: We shall seek a ‘one time access’ of camera for selfies/photos for the purpose of KYC and collect KYC documents; and

  • Any other information as required by Lending Partners.

Other than as mentioned herein, We desist from accessing mobile phone resources like file and media, contact list, call logs, telephony functions and others or collecting any biometric data.

We may receive information related to your loan related transactions in cases where we are providing ancillary services to the Lending Partner as outsourced by the Lending Partners which we may further outsource to third parties, such as collection of loan dues.

• Sharing of information: We share such information with Lending Partners and third parties for collection of documents required for completing KYC for the purpose of the financial product you wish to avail.

We shall collect information for application processing as mentioned in this Clause upon seeking Your explicit consent, detailing the purpose of collection, and entities with whom such information might be shared. The consent form shall be provided to You at each stage of collection of such information by Us.

For details on Our Lending Partners, You may refer to website link of Our Lending Partners which we publish on Our Platform.

3. Marketing and Promotional Campaigns

By using the Platform and furnishing information about the Services, You hereby agree that You are interested in acquiring knowledge of and availing various products, services, offers, or campaigns that Credsync displays on its Platform, including but not limited to pre-approved loan and credit card offers provided by Our Lending Partners. You, while providing information, expressly consent to Us (including Our IVR, third-party marketing channels, and network of Lending Partners) contacting and communicating with You through SMS, call, e-mail, WhatsApp and/or other modes of communication and conducting follow-up calls in relation to the Services, i.e., for imparting financial product and Services knowledge, informing about promotional offers running on Platform and various other offers as provided by Our Lending Partners with respect to their products and services.

• Information that We Collect: Information collected as detailed under Clause 1 and employment related information as mentioned under Clause 2 shall be collected/utilized to provide Services enlisted in this Clause.

• Sharing of information: We share Your information with third parties and network of Lending Partners to enable them to contact You in relation to the marketing and promotional campaigns as detailed under this Clause 3.

4. Customer Support

You may call or write to us for any customer support in relation to the Services provided by Us.

• Information that We Collect: We collect the following information when you write to us or call us for support to improve Our Services:

  • Information that You provide when You write to Us (including by e-mail) or provide Us over telephone, and

  • Recordings of telephonic conversations between You and Our call center executives (who maybe third parties) for any query or assistance.

• Sharing of information: We share Your information with third parties and Lending Partners to provide effective customer support Services.

By writing to us or calling us, You provide Your express consent to Us to use the information listed in this Clause for purposes mentioned in this Clause.

5. Cookies

Cookies are small data files that a website stores on Your computer. We will use cookies on Our Platform similar to other financial services websites/apps. Use of this information helps Us identify You, User behavior, the products that the User browses on Our Platform, in order to make Our Platform more user friendly and to be able to provide You with information relating to financial products that may be of interest to You. We might also use this information to display advertising from third party companies. You will be provided with an option to decline cookies at all times but if You choose to do this it might affect Services provided to You.

Your Rights

With respect to the information collected by Us to provide Services, You have the following rights available to You:

• Right to deny: You may deny providing any information required by Us, restrain Us from sharing information with Lending Partners or third parties (as the case may be), deny storage of information or not provide Us the right to contact You.

• Right to withdraw consent with respect to use of information and right to be forgotten: You have the right to withdraw consent previously provided to Us with respect to Our usage of Your information and You have the right to require the Platform to delete/ forget the data relating to You. Right to withdraw consent includes consent provided to Us previously for specific use of information, storing of information, sharing Your information with third parties and network of Lending Partners and consent to contact You.

• Right to rectify: We urge You to review information provided by You. In the event that any information provided by You is inaccurate, incomplete or outdated, You have the right to provide Us with accurate, complete and up to date information and have Us rectify or amend such information at Our end immediately.

Please be mindful that the Services provided to You may get affected or We may no longer be able to provide You Services if You exercise Your right to deny consent or Your right to withdraw consent or Your right to be forgotten or if You provide incorrect/inaccurate information.

Storage and Security of Information

We store and process Your personal information on secure cloud servers. Some of the safeguards We use are firewalls and data encryption using SSL, and information access authorization controls. We use reasonable safeguards to preserve the integrity and security of Your information against loss, theft, unauthorised access, disclosure, reproduction, use or amendment.

Confidentiality Agreement

We may share Your data with third Parties for providing and improving Our Services, enforcing ‘Terms & Conditions’, and may use or assign Your information in the course of corporate divestitures, mergers, or to protect the rights, property, or safety of Us, Our Users, or others.

Phishing

“Phishing” usually occurs when users of a website are induced by an individual/entity into divulging sensitive personal information or personal information by using fraudulent websites and/ or e-mail addresses. In the event You provide information to a website or respond to an e-mail which does not belong to Us or is not connected with Us in any manner, You will be a victim of Phishing. We do not send e-mails requesting a User for payment information, user name or passwords.

Severability and Exclusion

We have taken every effort to ensure that this Policy adheres to applicable laws, rules and regulations. The invalidity or unenforceability of any part of this Policy shall not prejudice or affect the validity or enforceability of the remainder of this Policy. This Policy does not apply to any information other than the information collected by Credsync through the Platform.

No Waiver

The rights and remedies available under this Policy may be exercised as often as necessary and are cumulative and not exclusive of rights or remedies provided by law. It may be waived only in writing. Delay in exercising or non-exercise of any such right or remedy does not constitute a waiver of that right or remedy, or any other right or remedy.

Governing Law and Dispute Resolution

This Policy shall be governed by and construed in accordance with laws and courts mentioned in the ‘Terms and Conditions’.

Applicability of Local Laws

The Company is incorporated and registered under Companies Act, 2013 with its registered office in India. By browsing/using the Platform, You hereby acknowledge that Credsync is not responsible or liable in any manner to comply with any local laws of Your territory except India.