Privacy Policy

1. Introduction

At HitCred, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our financial services.

2. Information We Collect

We collect various types of information to provide our services effectively:

2.1 Personal Information

• Full name and date of birth
• Contact details (phone number, email address)
• Residential address
• PAN card number
• Aadhaar card number
• Bank account details
• Employment information
• Income details

2.2 Financial Information

• Loan application details
• Credit history and score
• Bank statements
• Income tax returns
• Salary slips

2.3 Technical Information

• IP address
• Browser type and version
• Device information
• Pages visited on our website
• Time and date of visits

3. How We Collect Your Information

• Directly from you when you fill out application forms
• When you create an account on our platform
• Through cookies and similar technologies
• From credit bureaus and financial institutions
• From our partners and affiliates

4. How We Use Your Information

We use your information for the following purposes:

Purpose	Description
Loan Processing	To process and evaluate loan applications
Credit Assessment	To assess creditworthiness and risk
Service Delivery	To provide and improve our services
Communication	To send updates and important notifications
Compliance	To comply with legal and regulatory requirements
Security	To prevent fraud and protect our platform

5. Data Sharing and Disclosure

We may share your information with:

5.1 Financial Institutions

• Banks and NBFCs for loan processing
• Insurance companies for policy issuance
• Credit bureaus for credit assessment

5.2 Service Providers

• Payment processors
• IT service providers
• Analytics and marketing partners

5.3 Legal Requirements

• Government authorities when required by law
• Regulatory bodies for compliance
• Court orders and legal proceedings

6. Data Security

We implement robust security measures to protect your information:

• Encryption of sensitive data in transit and at rest
• Secure socket layer (SSL) technology
• Regular security audits and assessments
• Access controls and authentication systems
• Firewall and intrusion detection systems
• Regular data backups and disaster recovery plans

7. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and user behavior
• Improve our services and user experience
• Provide personalized content and recommendations

8. Your Privacy Rights

You have the right to:

• Access: Request a copy of your personal data
• Correct: Update or correct inaccurate information
• Delete: Request deletion of your personal data
• Opt-out: Opt-out of marketing communications
• Object: Object to processing of your data
• Complain: File a complaint with regulatory authorities

9. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Fraud prevention and security purposes

10. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we discover that we have collected information from a child, we will take steps to delete it immediately.

11. International Data Transfers

Your information may be transferred to and processed in countries other than India. We ensure that appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our website and sending you an email notification. Your continued use of our services after such changes constitutes acceptance of the updated policy.

13. Contact Information

14. Grievance Officer

Last Updated: June 15, 2026