Privacy Policy

At Credit91, we respect your privacy and are committed to protecting the personal data of our users. As a Lending Service Provider (LSP), we act in strict accordance with the Reserve Bank of India’s (RBI) Digital Lending Guidelines and applicable Indian data protection laws.

1. Consent-First Data Collection

We strictly enforce a consent-first policy. Credit91 will never access, fetch, or store your credit bureau records (CIBIL/Experian), PAN records, or banking data without your explicit one-time password (OTP) authorization.

2. Information We Collect

To evaluate loan eligibility through our regulated lending partners, we request:

• Identity Details: Name, Mobile Number, PAN Number, and Aadhaar card (digitally verified via OTP).
• Professional Credentials: Employment type, salary bracket, employer name, and recent salary slips.
• Financial Records: Bank statement PDFs for underwriting evaluation.

3. Data Usage & NBFC Sharing

Your data is processed exclusively to evaluate credit limits. We share your information only with our licensed, RBI-regulated Non-Banking Financial Company (NBFC) partners who underwrite and disburse the loans. Your data is never sold or shared with third-party telemarketers.

4. Security & Storage Standards

All personal and financial details are encrypted during transmission and storage using industry-standard 256-bit SSL encryption. We do not store biometric data or capture personal smartphone directories, files, or photos in accordance with RBI guidelines.

5. Your Rights & Exit Options

You reserve the absolute right to request the deletion or correction of your registered records. If you choose to close your account or delete your profile, you can write directly to our Nodal Grievance Redressal Officer at arnav@credit91.com.