Privacy Policy

This privacy policy file (“privacy policy”) is posted according to the provisions of Rule four (1) of the information technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) policies, 2011 which states the requirement of the publishing of a privacy policy for handling of or dealing in personal data such as sensitive personal records or information. Through accessing the website, (“website”) and availing the offerings provided by us (“services”) you compromise to be sure with the aid of the terms and situations of this privacy policy.

Entering the Platform or any part thereof, you signify your assent to this privacy policy and consent to the processing of your individually identifiable data (personal records, sensitive personal information or records) to Credart finbiz Pvt Ltd restrained (“we” or “our” or “us” or “FundsInTime”). This privacy policy is included in and concern with the terms of use of the Platform. For the cause of this privacy policy, the users of the offerings can be customer/clients/ shoppers/ consumers, or every other folk the use of offerings or getting access to our Platform (“person” or “you” or “your”).

If you disagree to this policy or any part thereof, please do no longer use/ access/ download, or install the Platform or any element thereof.


When you operate our Platform, we collect and store your data which is supplied by way of you from time to time through explicitly seeking permissions from YOU to get the desired statistics. Our primary purpose in doing so is to offer you a secure, smooth and custom experience and offerings. This lets in us to provide offerings and functions that meets your desires, and to customise our Platform to make your experience while operating our platform safer and simpler and to improve the offerings with the aid of us. Most importantly, we collect personal information from you that we think is necessary for achieving the business purposes mentioned above.

In usual times, you could browse the internet site or App without telling us who you are or revealing any information approximately yourself. However, for creating an account at the Platform, you need to tell us little simple information that is required to provide customized offerings. The data that we collect from you are:

  • Your full name;
  • Email;
  • Gender;
  • Mailing address;;
  • Postal code;
  • Family details;
  • University/college details;
  • Phone number;
  • Linked prepaid wallet details;
  • Bill details;
  • Vehicle details;
  • Permanent account number (pan);
  • Academic records and certificates.

Wherever viable, we imply the necessary and the optional fields. You always have the choice to not provide any records by choosing no longer to apply a selected service or characteristic on the Platform. We additionally gather personal account facts which include e-mail, and consumer public profile records like name, image, ASID relying upon the platform utilized by you when you logged in into the App. This information is required as part of the signing up process to get admission to our carrier and it is also used to auto-fill relevant fields inside the interface of the App. We further gather different identifiable records including your transactions records on the Platform while you set up a free account with us as besides special below. While you can browse some sections of our Platform without being a registered member as cited above, positive sports (along with availing of loans from the third-birthday celebration lenders at the Platform) require registration and a good way to offer the above info. The Platform will absolutely show the personal facts it's far gathering from you, and you've got the choice to not provide such private facts. However, this could limit the services furnished to you on the Platform.

Our App also collects cellular numbers for verification to test the SIM on the device uniquely identify you and prevent frauds and unauthorized get entry.

As a piece of our Video Know Your Customer (Video KYC) measure, an assortment of your own data has gotten compulsory to guarantee the finishing and validation of your KYC. In such a manner, authorizations for a microphone, the camera will be compulsorily required.


We don't gather, read or store your own SMS from your inbox.

We gather and screen just SMS sent for financial purpose sent by 6-digit alphanumeric senders to your inbox which encourages us in distinguishing the different financial balances that you might be holding, income examples, depiction, and measure of the exchanges attempted by you as a client to assist us with playing out a credit hazard evaluation which empowers us to decide your danger profile and to furnish you with the fitting credit examination. This cycle will empower you to take financial offices from the directed financial substances accessible on the Platform. This Financial SMS information additionally incorporates your authentic information. While utilizing the application, it occasionally sends the financial SMS data to our partner workers and us.


We gather and screen the data about the area of your device to give the functionality of your credit application, decrease hazards related to your advanced application, and give pre-affirmed tweaked advance offers. This additionally encourages us to encourage confirmation of the location, settling on a superior credit hazard choice, and know your client's (KYC) measure.

Data the App gathers, and its utilization relies upon how you deal with your protection controls on your device. At the point when you introduce the App, we store the data we gather with special identifiers attached to the device you are utilizing. We gather data from the device when you download and introduce the App and unequivocally look for consent from you to get the necessary data from the device.

The data we gather from your device incorporates the equipment model, form model, RAM, stockpiling, interesting device identifiers like IMEI, chronic number, SSAID, AAID, SIM data that incorporates network administrator, meandering state, MNC and MCC codes, WIFI data that incorporates MAC address and versatile organization data to remarkably distinguish the devices and guarantee that no unapproved device follows up for your benefit to forestall fakes.

We gather data about your device to give programmed refreshes and extra security with the goal that your record isn't utilized in others' devices. Furthermore, the data gives us significant input on your way of life as a device holder just as your device conduct, consequently permitting us to improve our administrations and give an upgraded altered client experience to you.


In the past application versions 1.4.2 and beneath, as a piece of the credit venture encouraged through FundsInTime, we were gathering and checking your contact data which included name, telephone number, account type, contact last altered, top picks, and other alternative information to empower you to auto-fill the information during the advance application measure. This data was additionally needed for the reasons for hazard investigation, to empower us to recognize tenable references, evaluate your danger profile, and decide your credit qualification. In our most recent application variant for example 1.4.3 or more we won't gather and screen contact data that incorporates the above data.


We gather a rundown of the introduced applications' metadata data which incorporates the application name, bundle name, introduced time, refreshed time, variant name, and form code of each introduced application on your device to evaluate your credit value and enhance your profile with pre-endorsed redid advance offers.


We require camera admittance to output and catch the necessary KYC archives in this way permitting us to auto-fill important fields.

As a piece of the help of the KYC venture, we expect admittance to your camera to empower you to start your KYC interaction. This consent permits us or our approved specialists to play out your Video KYC while likewise taking screen captures of your unique Officially Verified Documents that you present during your Video KYC venture. Video KYC empowers you to finish your KYC carefully, easily, and proficiently. Your video will be recorded and held for administrative reasons alongside the screen captures of unique Official Verified Documents.


We require microphone authorizations to empower a two-route correspondence between our approved specialist and you to perform and finishing your Video KYC. Your sound will be recorded for administrative reasons.


We require storage consent with the goal that your KYC and other significant reports can be safely downloaded and saved money on your telephone. You can then effectively transfer the right KYC-related records for quicker credit application subtleties filling and disbursal measures. This guarantees that you are furnished with a consistent encounter while utilizing the application.


We automatically track certain information about you based upon your behavior on our platform. We use this information to do internal research on our users’ demographics, interests, and behavior to better understand, protect and serve our users and improve our services. This information is compiled and analyzed on an aggregated basis. We also collect your Internet Protocol (IP) address and the URL used by you to connect your computer to the internet, etc. This information may include the URL that you just came from (whether this URL is on our Website or not), which URL you next go to (whether this URL is on our Website or not), your computer browser information, and your IP address.

Cookies are small data files that a Website stores on your computer. We will use cookies on our Website similar to other lending websites/apps and online marketplace websites/apps. Use of this information helps us identify You to make our Website more user-friendly. Most browsers will permit you to decline cookies but if you choose to do this it might affect service on some parts of Our Website.

f you choose to purchase the Platform, we collect information about what you buy. We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law.

If you send us personal data, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Website, we collect such information into a specific file for you.


We comprehend the significance of your data and guarantee that it is utilized for the expected reason as it were. We access, store and utilize the data we gather from you as per the relevant laws to offer our Types of assistance, to explore and grow new ones subject to the restrictions set out in this Privacy Policy. We use the information to:

  • Resolve disputes;
  • Troubleshoot problems;
  • Help promote a safe service;
  • Analytical analysis;
  • Marketing and promotional purposes including sending you promotional sms, email and whatsapp;
  • Measure consumer interest and satisfaction in our products and services;
  • Inform you about online and offline offers, products, services, and updates;
  • Customize your experience;
  • Detect and protect us against suspicious or illegal activity, fraud and other criminal activity;
  • Enforce our terms and conditions;
  • Improvement of our services and as otherwise described to you at the time of collection
  • In our efforts to continually improve our product and service offerings, we collect and analyze

In our efforts to continually improve our product and service offerings, we collect and analyze demographic and profile data about our users' activity on our Platform.


The proposed motivation behind gathering the data given by you is to:
Establish identity and confirm;

  • a) To facilitate your KYC;
  • b) Monitor, improve and oversee our Platform;
  • c) Provide our service to you. For example, perform credit profiling to encourage loans to you.
  • d) Design and offer redid items and administrations offered by our outsider monetary accomplices;
  • e) Analyze how the platform is utilized, analyze administration or specialized issues and look after security;
  • f) Send correspondences notices, data in regards to the items or administrations mentioned by you or interaction inquiries and applications that you have made on the platform;
  • g) Manage Our relationship with you and educate you about different items or administrations We figure You may discover of some utilization;
  • h) Conduct information examination to improve the services/products provided to the user;
  • i) Use the User Information to conform to country laws and guidelines;
  • j) Conduct KYC for our outsider loaning accomplices dependent on the data shared by the User;
  • k) Use the User data in alternate manners allowed by law to empower you to take monetary administrations from our loaning accomplices.

We will utilize and hold the data for such periods as important to give you the Services on the Platform, to consent to our lawful commitments, resolve debates, and implement our arrangements .


We will impart your data to just our enlisted outsiders including our controlled monetary accomplices for the arrangement of Services on the

  • a) We reveal and share your data with the monetary specialist co-ops, banks, or nbfcs and our outsider accomplices for the assistance of an advance or office or credit extension or acquisition of an item;
  • b) We share your data with our outsider accomplices to direct information investigation to serve you better and offer types of assistance to our platform;
  • c) We may unveil your data, without earlier notification, on the off chance that we are under an obligation to do as such to consent to any lawful commitment or a request from the public authority or potentially legal power, or to implement or apply our terms of utilization or allot such data over the span of corporate divestitures, consolidations, or to secure the rights, property, or wellbeing of us, our clients, or others. This incorporates trading data with different organizations and associations for extortion insurance and credit hazard decrease.
  • d) We will reveal the information/data gave by a user other innovation accomplices to follow how the user associates with the platform for our benefit.
  • e) We and our associates may impart your data to another business element should we (or our resources) converge with, or be gained by that business element, or re-association, blend, rebuilding of business for congruity of business. Should such an exchange happen then any business substance (or the new joined element) accepting any such data from us will be limited by this policy concerning your data?
  • f) We will reveal the data to our outsider innovation and credit accomplices to perform credit checks and credit investigation like credit bureaus or outsider information source suppliers;
  • g) We will share your data under a privacy concurrence with the outsiders and limit the utilization of the said data by outsiders just for the reasons definite thus. We warrant that there will be no unapproved exposure of your data imparted to outsiders.
  • h) By utilizing the platform, you thus award your agree to the company to share/unveil your personal information (i) to the concerned outsiders regarding the services; and (ii) with the administrative specialists, semi legislative specialists, legal specialists, and semi-legal specialists, observing pertinent laws of India.
  • i) We will unveil your KYC venture or any information concerning the equivalent to the significant administrative specialists as a piece of our legal review measure. Kindly note that your ADHAAR number will never be unveiled.

On the off chance that we utilize or unveil your data for any reason not indicated above, we will take your unequivocal assent.


The App has a connection to an enlisted outsider SDK which gathers information for our sake and information is put away to a tied-down worker to play out a credit hazard evaluation. We guarantee that our outsider specialist co-op takes broad safety efforts to secure your own data against misfortune, abuse, or change of the information.

Our outsider specialist organization utilizes detachment of conditions and isolation of obligations and has exacting job put together access control concerning a recorded, approved need-to-utilize premise. The put-away information is secured and put away by application-level encryption. They uphold key administration administrations to restrict admittance to information.

Besides, our enrolled outsider specialist co-op gives facilitating security – they use the industry-driving enemy of infection, hostile to malware, interruption counteraction frameworks, interruption location frameworks, document honesty checking, and application control arrangements.


We reserve the right to change, modify, add, or remove portions of this Privacy Policy at any time for any reason. In case, any changes are made in the Privacy Policy, we shall update the same on the Platform. Once posted, those changes are effective immediately unless stated otherwise. We encourage you to periodically review this page for the latest information on our privacy practices. Continued access or use of the Services constitutes your acceptance of the changes and the amended Privacy Policy.


We claim all authority to change, adjust, add, or eliminate segments of this Privacy Policy whenever under any circumstances. On the off chance that any progressions are made in the Privacy Policy, we will refresh the equivalent on the Platform. When posted, those progressions are taking effect right now, except if expressed something else. We urge you to occasionally audit this page for the most recent data on our protection rehearses. Proceeded with access or utilization of the Services establish your acknowledgment of the progressions and the altered Privacy Policy.


You have certain options concerning the data we gather and how it is utilized:

  • a. Device-level settings: Your device may have controls that figure out what data we gather. For instance, you can change authorizations on your Android device for admittance to Camera or Audio consents.
  • b. Delete the App from your device
  • c. You can likewise demand to eliminate content from our workers dependent on relevant law or by keeping in touch with our Grievance Officer.

The Platform expects to ensure your data and to keep up its exactness as affirmed by you. We actualize sensible physical, regulatory, and specialized shields to assist us with shielding your data from unapproved access, use, and revelation. For instance, we encode all data when we communicate over the web. We additionally necessitate that our enrolled outsider specialist co-ops shield such data from unapproved access, use and divulgence.

Our Platform has tough safety efforts set up to secure the misfortune, abuse, and adjustment of data levelled out. We attempt to shield and guarantee the security of the data given by you. We utilize Secure Sockets Layers (SSL) based encryption, for the transmission of the data, which is presently the necessary degree of encryption in India according to material law.

We mix security at numerous means inside our items with the best in class innovation to guarantee our frameworks keep up solid safety efforts and the general information and protection security configuration permit us to guard our frameworks going from low hanging issue up to complex assaults. Furthermore, the Website and App have been confirmed for the accompanying security affirmations:

ISO 9001: being the global standard those subtleties prerequisites for a quality administration framework (QMS). Associations utilize the norm to show the capacity to reliably give items and administrations that meet client and administrative necessities with the essential security assurances.

ISO 27001 (officially known as ISO/IEC 27001:2005): is a particular for a data security the board framework (ISMS) and is the proposed level of confirmation needed under the Information Technology Act, 2000. An ISMS is a system of approaches and methods that incorporates all lawful, physical, and specialized controls associated with an association's data hazard the board measures.

We plan to shield from unapproved access, change, divulgence, or obliteration of data we hold, including:

  • a. We use encryption to keep your information hidden while on the way;
  • b. We offer security highlight like an OTP check to assist you with ensuring your record;
  • c. We audit our data assortment, stockpiling, and handling works on, including actual safety efforts, to forestall unapproved admittance to our frameworks;
  • d. We limit admittance to individual data to our workers, workers for hire, and specialists who need that data to deal with it. Anybody with this entrance is dependent upon severe legally binding privacy commitments and might be focused or ended on the off chance that they neglect to meet these commitments;
  • e. Compliance and Cooperation with Regulations and relevant laws;
  • f. We consistently audit this Privacy Policy and ensure that we interact with your data in manners that agree with it.
  • g. Data moves;
  • h. We guarantee that the AADHAAR number isn't revealed in any way.

We or our members keep up your data on workers situated in India. Information insurance laws shift among nations, with some giving more security than others. We likewise consent to certain legitimate systems identifying with the exchange of information as referenced and needed under the Information Technology Act, 2000 and rules made thereunder

At the point when we get formal composed objections, we react by reaching the individual who submitted the question. We work with suitable administrative specialists, including neighbourhood information security specialists, to determine any grumblings in regards to the exchange of your information that we can't resolve with you straightforwardly.


Our Platform connects to different sites that may gather data about you. We are not answerable for the security rehearses or the substance of those connected sites. With this Policy, we're just tending to the exposure and utilization of information gathered by us. On the off chance that you visit any sites through the connections on the Website, if it's not too much trouble, guarantee you experience the security strategies of every one of those sites. Their information assortment rehearses, and their strategies maybe not quite the same as this Policy and We don't have command over any of their approaches neither do we have any risk in such manner.


By utilizing the Platform and by giving your data, you agree to the assortment, sharing, revelation, and utilization of the data that you unveil on the Platform as per this Privacy Policy.

On the off chance that we choose to change our Privacy Policy, we will post those progressions on this page so to make you mindful of the data we gather, how we use it, and under what conditions we share and reveal it.