KreditEase (“KreditEase”, “we”, “us”, or “our”) respects your privacy and is committed to protecting the personal information you provide while using our website and services.
This Privacy Policy explains how we collect, use, store, protect and disclose your information when you visit kreditease.in, contact us, submit an enquiry, or use our services.
By using our website or submitting your information to us, you acknowledge and accept the practices described in this Privacy Policy.
1. INFORMATION WE COLLECT
Depending on the service requested by you, we may collect the following information.
Personal Information
Full name
Mobile number
Email address
Address
Date of birth, where required
Employment or business information
Income-related information
Other information voluntarily provided by you
Financial and Transaction Information
Where necessary for providing a requested service, we may collect:
Credit card-related information
Bank account information
Bank name
Transaction details
Transaction amount
Payment information
Information required for verification
Documents required for processing
KreditEase does not ask customers to share their OTP, CVV, PIN, UPI PIN, internet-banking password, ATM PIN or other confidential authentication credentials through ordinary communication channels. Customers should never share such credentials with anyone claiming to represent KreditEase.
Communication Information
We may collect information provided through:
Website forms
Phone calls
WhatsApp
Email
Customer support communications
Other communication channels
Technical Information
When you visit our website, certain information may automatically be collected, including:
IP address
Browser type
Device information
Operating system
Pages visited
Website usage information
Date and time of access
Referring website
Cookies and similar technologies
2. HOW WE USE YOUR INFORMATION
We may use your information to:
Respond to your enquiries.
Provide information about our services.
Process service requests.
Verify customer information.
Facilitate eligible transactions.
Provide credit-card related assistance.
Provide credit-card bill-payment assistance.
Facilitate eligible settlement or transfer services.
Communicate regarding your request.
Provide customer support.
Prevent fraud and unauthorized activity.
Maintain business and transaction records.
Improve our website and services.
Comply with applicable laws and regulations.
Respond to legal or regulatory requests.
Send service-related communications.
Send promotional communications where permitted by applicable law.
3. HOW WE SHARE YOUR INFORMATION
We do not sell your personal information as a product.
However, we may share necessary information with third parties where reasonably required to provide a requested service, process a transaction, verify information, prevent fraud, or comply with applicable law.
These parties may include:
Banks
Credit-card issuers
Financial institutions
Payment processors
Payment service providers
Verification/KYC service providers
Technology service providers
Hosting providers
Customer support providers
Professional advisers
Government authorities
Regulatory authorities
Law-enforcement agencies where legally required
We aim to share only the information reasonably necessary for the relevant purpose.
4. CREDIT CARD AND BANK INFORMATION
Customers must provide only information that they are legally authorized to provide.
Customers must not provide information belonging to another person without proper authorization.
KreditEase does not request confidential authentication credentials such as OTPs, PINs, CVVs or passwords through normal communication channels.
Any authentication required for a financial transaction should be completed through the relevant secure banking, card or payment interface.
5. COOKIES
Our website may use cookies and similar technologies to:
Improve website functionality.
Remember preferences.
Understand website usage.
Analyse website performance.
Improve user experience.
Support security.
Measure marketing performance where applicable.
You may control cookies through your browser settings.
Disabling certain cookies may affect some website functionality.
6. DATA SECURITY
KreditEase takes reasonable technical and organizational measures to protect personal information against unauthorized access, misuse, alteration, disclosure, loss or destruction.
However, no website, internet transmission or electronic storage system can be guaranteed to be completely secure.
Customers should also take reasonable steps to protect their own information and financial credentials.
7. DATA RETENTION
We may retain personal information for as long as reasonably necessary to:
Provide requested services.
Maintain transaction records.
Resolve disputes.
Prevent fraud.
Comply with legal and regulatory requirements.
Meet accounting and tax requirements.
Protect our legitimate business interests.
When information is no longer reasonably required, it may be deleted, anonymized or securely disposed of, subject to applicable legal requirements.
8. THIRD-PARTY WEBSITES
Our website may contain links to third-party websites, banks, financial institutions, payment providers or other services.
KreditEase does not control the privacy practices, security or content of third-party websites.
Customers should review the privacy policy of the relevant third party before providing personal information to that third party.
9. YOUR RIGHTS
Subject to applicable law, you may contact us regarding:
Access to personal information.
Correction of inaccurate information.
Withdrawal of consent where applicable.
Deletion of information where legally permissible.
Questions regarding processing of your information.
Privacy-related complaints.
We may require reasonable identity verification before processing certain requests.
10. CHILDREN’S PRIVACY
Our services are intended for individuals who are legally eligible to use the relevant financial services.
We do not knowingly collect personal information from children where such collection is prohibited by applicable law.
11. CHANGES TO THIS PRIVACY POLICY
KreditEase may update this Privacy Policy from time to time.
Any updated version will be published on this page with a revised effective date.
12. CONTACT US
For privacy-related questions, requests or complaints, please contact:
