1.1. This Privacy Policy ("Policy") explains how our mobile application "Instant Credit" ("we" or "us") collects, uses, processes, and discloses your personal data when you download and use the App or access our services on www.instantcredit.in (collectively, the "Platform").
1.2. The services offered through the Platform are collectively referred to as "Services."
1.3. We are committed to safeguarding your privacy and ensuring transparency in how we handle your personal data. This Policy details the principles governing data collection, storage, usage, and disclosure.
1.4. By providing consent, you acknowledge and agree that we will process your personal data in accordance with this Policy.
2.1. We collect, transmit, and store limited personal data about you on our secure Instant Credit server, with your consent, to provide you with the Services. This data includes:
2.2. We do not access contacts, call logs, or media. We may access your camera, microphone, or location only with explicit consent for onboarding or KYC.
2.3. Some data is mandatory by law or under our Terms. Refusal to provide this may limit access to Services.
3.2. We are not responsible for personal data made public through comments or reviews.
4.1. We use your personal data in compliance with applicable laws for purposes such as:
4.2. You authorize us to contact you to inform you about features and updates.
5.1. We share data with Lenders, analytics firms, storage providers, and auditors after consent. Lack of consent may hinder service provision.
5.2. You authorize communication from our associates and affiliates through various channels.
5.3. We share data with authorities when legally required or to enforce policies.
You are responsible for data accuracy. We provide means to review and correct it, and we validate updates.
We follow legal standards and implement safeguards to protect your personal data from unauthorized access.
Please refer to the retention schedule attached to this Policy for more information.
9.2. To exercise rights, contact the Grievance Officer with specifics of your request.
Your personal and financial data is stored exclusively in India and is not transferred internationally.
External links on our Platform are governed by their own privacy policies. We are not responsible for their practices.
12.1. Cookies enhance your experience. They do not access personal details like email addresses.
12.2. You may encounter third-party cookies on some pages; we do not control these.
In case of mergers or acquisitions, your personal data may be part of transferred assets.
14.1. We periodically review and may update this Policy at our discretion.
14.2. Changes will be posted here and communicated via email or SMS when appropriate.