Privacy policy

I Cred Technologys ("we", "us", or "our") respects your privacy. This policy explains how we collect, use, disclose, and safeguard information when you visit our website, contact us, or use our consulting and product-related services.

1. Information we may collect

• Contact details you provide (name, phone number, email address, WhatsApp identifier, and postal or business address when relevant).
• Service-related information such as product interests, loan consulting queries, income or employment details you choose to share for preliminary assessment.
• Technical data including IP address, browser type, device information, and pages visited—typically collected via cookies or similar technologies where enabled.

2. How we use information

• To respond to enquiries and provide quotations or product support.
• To deliver loan consulting services, including preparation and referral to regulated partners.
• To improve our website, offerings, and customer experience.
• To comply with legal obligations and protect our legitimate business interests.

3. Legal basis (where applicable)

We process personal data based on your consent, our contractual steps with you, compliance with law, or legitimate interests such as fraud prevention and service improvement—balanced against your rights.

4. Sharing of information

We do not sell your personal information. We may share data with employees and trusted service providers who assist operations (e.g. hosting), and with banks or NBFCs when you request or proceed with a loan application. Such parties are expected to use data only for agreed purposes and under appropriate confidentiality.

5. Data retention

We retain information only as long as needed for the purposes above, including statutory record-keeping, dispute resolution, and enforcing agreements—unless a longer period is required by law.

6. Security

We implement reasonable administrative, technical, and physical safeguards to protect personal information. No method of transmission over the Internet is completely secure; we encourage you to use official channels when sharing sensitive documents.

7. Your rights

Subject to applicable law, you may request access, correction, deletion, or restriction of your personal data, or object to certain processing. Contact us using the details on our Contact page. We may need to verify your identity before fulfilling requests.

8. Third-party links

Our website may link to external sites. We are not responsible for their privacy practices; please review their policies separately.

9. Children

Our services are not directed to individuals under 18. We do not knowingly collect data from children.

10. Changes

We may update this policy from time to time. The revised version will be posted on this page with an updated date.

11. Contact

For privacy-related questions, write to Icredtechnologys@gmail.com or call 08069328881.