Privacy Policy

Introduction

Amit Credit Company Private Limited is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our personal loan services.

By using our website and services, you consent to the collection and use of information in accordance with this policy.

Information We Collect

We may collect and process the following types of information:

Personal Information

• Name: Full name, first name, last name
• Contact Details: Phone number, email address, residential address
• Identification: PAN card number, Aadhaar card number, passport details
• Financial Information: Bank account details, income details, credit history
• Employment Details: Company name, designation, salary, work experience
• Loan Information: Loan amount, loan purpose, repayment preferences

Technical Information

• Device Information: IP address, browser type, operating system
• Usage Data: Pages visited, time spent, click patterns
• Cookies: To enhance user experience and track website usage

How We Use Your Information

We use your information for the following purposes:

• Loan Processing: To evaluate and process your personal loan applications
• Credit Assessment: To assess your creditworthiness and eligibility
• Communication: To communicate with you regarding your loan applications and services
• Legal Compliance: To comply with applicable laws and regulations
• Service Improvement: To improve our products, services, and user experience
• Marketing: To send you relevant offers and promotions (with your consent)
• Fraud Prevention: To detect and prevent fraudulent activities
• Research: For statistical analysis and research purposes

Information Sharing

We may share your information with:

• Credit Bureaus: For credit scoring and reporting purposes
• Banks: For loan disbursement and repayment processing
• Government Agencies: When required by law or regulation
• Service Providers: Third-party vendors who assist in our operations
• Auditors: For audit and compliance purposes

We do not sell your personal information to third parties for marketing purposes.

Data Security

We implement appropriate security measures to protect your information:

• Encryption: Data is encrypted during transmission and storage
• Access Control: Limited access to authorized personnel only
• Secure Servers: Information stored on secure servers
• Regular Audits: Periodic security audits and assessments
• Employee Training: Regular training on data protection practices

Your Rights

You have the following rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Request transfer of your data to another service
• Objection: Object to processing of your information
• Complaint: File a complaint with data protection authorities

Data Retention

We retain your personal information for as long as necessary to:

• Fulfill the purposes for which it was collected
• Comply with legal and regulatory requirements
• Resolve disputes and maintain records
• Prevent fraud and abuse

When your information is no longer needed, we securely delete or anonymize it.

International Data Transfer

Your personal information may be transferred to and processed in countries other than India. We ensure appropriate safeguards are in place to protect your information in accordance with applicable data protection laws.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it immediately.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.