Privacy Policy

Credivitt Fintech Private Limited ("CrediVitt", "we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.credivitt.com or use our mobile application and related services (collectively, the "Platform").

By accessing or using the Platform, you agree to the collection and use of your information in accordance with this Policy. If you do not agree, please discontinue use of the Platform immediately.

We may collect the following categories of personal information:

• Identity & Contact Information: Name, email address, mobile number, date of birth, PAN number, and residential address.
• Financial Information: Income details, employment type, existing loan obligations, credit score range, and bank account details (where voluntarily provided).
• Device & Usage Data: IP address, browser type, operating system, pages visited, time spent on pages, referral URLs, and device identifiers.
• Communications: Messages or enquiries you submit through contact forms, email, or our call-back request feature.
• Cookies & Tracking Data: Information collected via cookies, web beacons, and similar tracking technologies (see Section 7).

We use your information for the following purposes:

• To match you with suitable loan and credit card offers from our partner lenders.
• To process your enquiries and facilitate applications submitted through the Platform.
• To personalise your experience and display relevant financial products.
• To communicate service updates, promotional offers, and important notices.
• To improve the Platform's functionality through analytics and user research.
• To comply with applicable laws, regulations, and regulatory obligations.
• To detect, prevent, and investigate fraudulent or unauthorised activity.

We do not sell your personal information. We may share your information with:

• Partner Lenders & Financial Institutions: Banks, NBFCs, and other registered lenders on our panel, solely for the purpose of evaluating and processing your loan or credit card application.
• Service Providers: Third-party vendors who assist us with analytics, communications, cloud hosting, and customer support, bound by confidentiality obligations.
• Legal Authorities: Government agencies or courts as required by applicable law, court order, or regulatory direction.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred subject to equivalent privacy protections.

We retain your personal information only for as long as necessary to fulfil the purposes outlined in this Policy, or as required by law. When data is no longer required, we securely delete or anonymise it.

Subject to applicable law, you have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate or incomplete data.
• Request deletion of your personal data (subject to legal obligations).
• Withdraw consent for marketing communications at any time.
• Lodge a complaint with the relevant data protection authority.

To exercise any of these rights, please contact us at [email protected].

We use cookies and similar tracking technologies to enhance your experience, analyse traffic, and serve targeted content. You can control cookie preferences through your browser settings. Disabling cookies may limit certain features of the Platform.

We implement industry-standard technical and organisational measures to protect your data against unauthorised access, disclosure, alteration, or destruction. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

The Platform may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their respective privacy policies.

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Platform after any changes constitutes your acceptance of the revised Policy.