Privacy Policy

Effective Date: January 2025
Entity: Credit Access Technologies India Pvt Ltd

Credit Access Technologies India Pvt Ltd (“We,” “Our,” “Finckr,” or “Us”) owns and operates the website https://www.finckr.com (“Website,” “Our Website,” or “Site”). To provide our services (“Services”), Finckr collects, uses, and shares certain information from users (“Users,” “You,” or “Your”) who visit and use the Website. This Privacy Policy (“Policy”) explains our policies and procedures regarding the collection, use, storage, processing, disclosure, and protection of your personal information, including sensitive personal data.

By using our services, you consent to this Policy and our Terms & Conditions.

1. Definitions

• Personal Information: Any information that can identify a natural person, either directly or indirectly (e.g., name, mobile number, email ID, address).
  
  
• Sensitive Personal Data: Includes but is not limited to:
  
  
• Passwords
  
  
• Financial details (e.g., bank account, income)
  
  
• Biometric and health information
  
  
• PAN, Aadhaar, or other government identifiers
  
  
• Services: Tools and communication services (email, SMS, WhatsApp, phone calls, etc.) provided by Finckr that enable Users to compare and apply for financial products like credit cards and loans.
  
  
• Website: https://www.finckr.com
  
  

2. Purpose of This Policy

This Policy explains:

• What data we collect
  
  
• How we use it
  
  
• Whom we may share it with
  
  
• Your rights and choices regarding your data
  
  

3. Information We Collect

We may collect the following types of information from you:

• Contact Information: Email address, phone number
  
  
• Personal Details: Full name, gender, date of birth, PAN, address
  
  
• Financial Information: Income details, bank account number, IFSC code
  
  
• Device & Technical Data: IP address, browser type, device identifiers
  
  
• Usage Data: Page visits, referral links, click patterns
  
  
• Cookies & Tracking Data: To understand site behavior and improve performance
  
  

4. Use of Information

We may use your information to:

• Provide and personalize the Services
  
  
• Process applications with our Partners (banks, NBFCs)
  
  
• Communicate with you via various channels (email, WhatsApp, phone, SMS)
  
  
• Analyze platform usage and improve functionality
  
  
• Comply with legal and regulatory requirements
  
  

5. Sharing of Information

Your information may be shared with:

• Financial Institutions: To facilitate your application and onboarding
  
  
• Third-Party Service Providers: For hosting, analytics, communication, or marketing
  
  
• Government Authorities: When legally required for compliance
  
  
• Ad Platforms: For digital retargeting and remarketing purposes
  
  

Note: All such sharing is done in compliance with applicable laws.

6. Data Retention

We retain your data for as long as is necessary to:

• Fulfill the purpose for which it was collected
  
  
• Comply with legal and regulatory requirements
  
  

After that, data may be anonymized and used for analysis or reporting.

7. Your Rights

As a User, you have the right to:

• Access and review your personal data
  
  
• Update or correct inaccurate or outdated information
  
  
• Withdraw consent at any time (may limit certain Services)
  
  
• Delete your account or personal data by writing to: [email protected]
  
  

8. Cookies

We use cookies and similar technologies to:

• Track purchases and cashback attribution
  
  
• Analyze website traffic and engagement
  
  
• Enhance user experience and improve Services
  
  

You can manage or disable cookies in your browser settings. However, disabling cookies may affect certain features of the Website.

9. Security Measures

We implement industry-standard security practices such as:

• Data encryption (in-transit and at-rest)
  
  
• Secure cloud-based storage
  
  
• Role-based access control
  
  
• Regular security audits
  
  

However, no online system can be guaranteed to be 100% secure. Users are advised to use the platform at their own risk.

For any queries regarding this Policy, please contact:
📧 [email protected]