PRIVACY POLICY

1. About Paisa Kredit

Paisa Kredit is a financial consultancy and service provider.

We provide services such as:

• Financial consultancy
• Financial documentation assistance
• Guidance and assistance relating to financial-service applications
• Customer consultation and support
• Other consultancy or documentation services specifically communicated to customers

Paisa Kredit is not an NBFC, bank, investment company, lender, or deposit-taking institution.

We do not:

• Provide loans from our own funds
• Accept deposits from customers
• Manage customer investments
• Provide investment products
• Collect EMI or loan instalments
• Disburse loans
• Conduct investment activities

Where applicable, customers may independently deal with third-party banks, NBFCs, financial institutions, or other service providers. Their respective terms and privacy policies will apply to those relationships.

2. Information We Collect

Depending on the services you request, we may collect information such as:

Personal Information

• Full name
• Mobile number
• Email address
• Residential/business address
• Date of birth, where required
• Identification details provided by you

Documentation Information

Where required for consultancy or documentation assistance, you may provide:

• PAN details
• Aadhaar-related information
• Income-related documents
• Employment/business information
• Bank-related information
• Address proof
• Identity documents
• Other documents voluntarily provided for the requested service

We will seek to collect only information reasonably necessary for the relevant service.

3. How We Collect Information

We may collect information when you:

• Submit an enquiry through our website
• Contact us by phone, email, WhatsApp, or other communication channels
• Request consultancy services
• Submit documents for documentation assistance
• Make a payment for consultancy/service fees
• Communicate with our representatives
• Use forms or other features available on our website

4. How We Use Your Information

We may use your information to:

• Respond to your enquiries.
• Provide consultancy and documentation assistance.
• Communicate with you regarding requested services.
• Prepare quotations, invoices, receipts, and service records.
• Process payments for our consultancy/service fees.
• Verify information supplied by you where reasonably necessary.
• Provide customer support.
• Maintain internal records.
• Prevent fraud, misuse, unauthorized activity, or security incidents.
• Comply with applicable legal, regulatory, tax, accounting, or governmental requirements.
• Improve our website and services.
• Send service-related communications.
• Send promotional communications where legally permitted and, where required, based on your consent.

The Digital Personal Data Protection Act, 2023 establishes principles around lawful processing of digital personal data, and the Digital Personal Data Protection Rules, 2025 have also been notified with a phased commencement framework.

5. Payment Information

Payments for consultancy or service fees may be processed through third-party payment service providers such as Razorpay.

Paisa Kredit does not intend to collect or store complete card numbers, CVV numbers, UPI PINs, or other payment authentication credentials on its own systems.

Payment information may be processed directly by the applicable payment service provider according to its own terms and privacy policy.

Razorpay's current terms also require merchants to comply with applicable laws and restrict the use of its services for unauthorized or prohibited activities.

6. Sharing of Information

We may share information where reasonably necessary with:

• Employees and authorized representatives of Paisa Kredit
• Technology and hosting service providers
• Payment gateway/service providers
• Communication service providers
• Professional advisers
• Government authorities, regulators, law-enforcement agencies, or courts where legally required
• Third-party service providers where necessary to provide the service requested by you

We do not sell your personal information as a commercial product.

Where information is shared with a third party, we seek to limit sharing to information reasonably required for the relevant purpose.

7. Third-Party Financial Institutions

Paisa Kredit may provide consultancy, documentation assistance, or guidance relating to services offered by independent third parties.

Any loan, financial product, investment product, bank account, credit facility, or other financial service provided by a third party is subject to that third party's:

• Eligibility requirements
• Approval process
• Interest rates
• Fees and charges
• Terms and conditions
• Privacy policy
• Regulatory requirements

Paisa Kredit does not guarantee approval, sanction, disbursement, returns, or acceptance of any third-party financial product or service.

8. Cookies and Website Data

Our website may use cookies and similar technologies to:

• Operate the website
• Remember preferences
• Understand website usage
• Improve website performance
• Maintain security
• Analyze traffic and user interactions

You may be able to control cookies through your browser settings. Disabling certain cookies may affect some website functionality.

9. Data Security

We take reasonable technical and organizational measures to protect personal information against unauthorized access, misuse, alteration, disclosure, or destruction.

However, no internet transmission or electronic storage system can be guaranteed to be completely secure.

You should also take reasonable precautions when sharing documents or personal information online.

10. Data Retention

We may retain personal information for as long as reasonably necessary for:

• Providing requested services
• Maintaining business and transaction records
• Accounting and taxation
• Resolving disputes
• Preventing fraud
• Complying with applicable laws and regulatory requirements

When information is no longer required, it may be deleted, anonymized, or securely disposed of, subject to applicable legal requirements.

11. Your Choices and Rights

Subject to applicable law, you may contact us regarding:

• Access to personal information held by us
• Correction of inaccurate information
• Withdrawal of consent where applicable
• Deletion/erasure requests where legally applicable
• Questions regarding the processing of your personal information
• Complaints or grievances relating to privacy

Requests may be subject to verification and applicable legal requirements.

12. Children's Information

Our website and services are not intentionally directed toward children.

We do not knowingly collect personal information from children except where such collection is legally permitted and necessary for a specific service.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in:

• Our services
• Technology
• Legal requirements
• Regulatory requirements
• Privacy practices

The updated policy will be published on this page with a revised effective date.