Privacy Policy
Last updated: 16 July 2026
Kredilo (“we”, “us”, “our”) is committed to protecting the privacy of every person who visits kredilo.in or uses our services. This policy explains what information we collect, why we collect it, and how we keep it safe, in line with the Information Technology Act, 2000, the Digital Personal Data Protection Act, 2023, and applicable RBI guidelines.
1. Information we collect
- Identity & contact: name, mobile number, email, city, PAN and Aadhaar (where required for KYC).
- Financial: bank account details, income information and credit-bureau data used to assess eligibility.
- Technical: device, browser, IP address and usage data collected to secure and improve the service.
2. How we use your information
To verify your identity, assess your loan eligibility, disburse and service loans through our RBI-registered NBFC partner, prevent fraud, comply with law, and communicate with you about your application.
3. Data sharing
We share data only with our lending partner, regulated credit bureaus, KYC and payment service providers, and authorities where legally required. We never sell your personal information to third parties.
4. Data security
Your data is encrypted in transit and at rest using 256-bit encryption. Access is restricted on a need-to-know basis.
5. Your rights
You may request access to, correction of, or deletion of your personal data, and withdraw consent, by writing to [email protected].
6. Contact
Grievance Officer — [email protected]. We respond to privacy requests within the timelines prescribed by law.