Privacy Policy

This Privacy Policy explains how CrediNova Fintech ("we," "us," or "our") collects, receives, uses, stores, and protects personal information when you visit or use our website, submit an enquiry or lead form, contact us through the communication channels provided on our website, or otherwise interact with our services.

The information you provide may be used to understand your financial requirements, respond to your enquiry, communicate with you regarding the products or services you have expressed interest in, and, where applicable, facilitate your request by sharing relevant information with appropriate banks, financial institutions, lenders, or other service providers.

This Privacy Policy also explains the purposes for which your personal information may be processed, how and when your information may be shared with our lending partners with your consent, how we protect and retain your information, and the choices and rights available to you regarding your personal information.

By using our website or voluntarily providing your personal information to us, you acknowledge that you have read and understood this Privacy Policy and agree to the collection and use of your information as described in it.

This Privacy Policy applies to information collected or received through our website, enquiry forms, and related interactions with us. Once your information is shared with a lending partner with your consent, that lending partner may process your information in accordance with its own privacy policy and applicable terms.

When you submit a loan enquiry or request through our website, we may collect certain basic personal and financial information that is necessary to understand your requirement and respond to your enquiry. Depending on the information requested through the relevant form, this may include:

• Name
• Mobile number
• PAN number
• Salary or income details
• Employment or business-related information, where required
• Type and amount of loan you are interested in
• Any other information that you voluntarily provide through the enquiry form or during your communication with us

We collect only the information reasonably required for the purpose of understanding your enquiry, contacting you, assessing basic eligibility, and facilitating your loan requirement.

We do not collect or require KYC documents through the website at the initial enquiry stage. If additional documents or information are required at a later stage, such information may be requested as part of the loan application or processing procedure. Such requirements may also be determined by the relevant lending partner.

The information you provide may be used by CrediNova for purposes related to your enquiry and the loan or financial product you have expressed an interest in. This may include:

• Understanding your loan requirement and the type of financial assistance you are seeking
• Reviewing the basic information you provide to determine whether your enquiry may meet general eligibility criteria
• Contacting you regarding your enquiry or request
• Clarifying information provided by you or obtaining additional basic information where necessary
• Identifying potentially suitable lending options based on the information you provide
• Discussing available loan options, terms, or requirements with you
• Facilitating your loan enquiry with a relevant lending partner, where you choose to proceed and provide your consent
• Following up with you regarding the status of your enquiry
• Maintaining appropriate internal records of enquiries and communications for lead management and business purposes

CrediNova does not itself make the final decision regarding the approval or rejection of a loan application. Any final decision regarding a loan, including eligibility, approval, interest rate, loan amount, tenure, documentation, and other applicable terms, is made by the relevant lending partner according to its own policies and assessment criteria.

When you submit your details through our website, the information is received by CrediNova and may be recorded in our internal systems or records for lead management, communication, follow-up, and processing of your enquiry.

Access to lead information is restricted to authorised members of the CrediNova team who require access for legitimate business purposes related to handling your enquiry.

We take reasonable measures to prevent unauthorised access, use, alteration, disclosure, or loss of the personal information we hold. However, no method of electronic transmission or storage can be guaranteed to be completely secure.

We do not use the information collected through our website for purposes unrelated to your enquiry except where permitted or required by applicable law or where you have otherwise provided your consent.

CrediNova acts as a Direct Selling Agent (DSA) and facilitates loan enquiries with relevant lending partners. We do not share your personal information with lending partners merely because you visit or browse our website.

When you submit a loan enquiry, we may first review the basic information provided by you. Where you choose to proceed with a loan enquiry and provide your consent, relevant information may be shared with an appropriate lending partner for the purpose of assessing and processing your enquiry.

The information shared will generally be limited to information relevant to your loan requirement and the processing of your enquiry.

Once your information is shared with a lending partner with your consent, the lending partner may independently collect additional information or documents from you as required for its loan application, verification, underwriting, or processing procedures.

Each lending partner may have its own privacy policy, terms, eligibility criteria, and data-handling practices. We recommend reviewing the applicable terms and privacy policy of the lending partner before proceeding with a loan application.

We take reasonable administrative, technical, and organisational measures to protect the personal information we receive from unauthorised access, misuse, loss, alteration, or disclosure.

Information collected through our website may be maintained in internal records or systems used for lead management and follow-up. Access to such information is limited to authorised personnel who require it for handling customer enquiries and related business activities.

While we take reasonable steps to protect your information, no website, electronic transmission, or storage system can be guaranteed to be completely secure. Accordingly, we cannot guarantee absolute security of information transmitted to or through our website.

We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including managing your enquiry, communicating with you, facilitating your loan request, maintaining internal records, resolving queries or disputes, and meeting applicable legal or regulatory requirements.

The period for which information is retained may vary depending on the nature of the enquiry, whether you proceed with a lending partner, applicable record-keeping requirements, and other legitimate business or legal requirements.

When personal information is no longer reasonably required for these purposes, we may delete, anonymise, or otherwise dispose of it in accordance with our internal practices and applicable requirements.

You may contact us regarding the personal information you have provided to us.

Subject to applicable law and reasonable verification requirements, you may request information about the personal data we hold about you and may request correction of inaccurate or incomplete information.

You may also contact us if you have questions about how your information has been collected, used, stored, or shared with a lending partner.

Where applicable, you may request that we stop contacting you regarding your enquiry. However, certain information may need to be retained where required for legitimate business purposes, record-keeping, legal obligations, or other purposes permitted under applicable law.

To make a request or raise a concern regarding your personal information, please contact us using the contact details provided on our website.

We may update or modify this Privacy Policy from time to time to reflect changes in our services, business practices, applicable laws, or the way we handle personal information.

When we make changes, the revised Privacy Policy will be published on this page along with an updated "Last Updated" date.

We encourage you to review this Privacy Policy periodically to stay informed about how your information is handled.

Your continued use of our website after an updated Privacy Policy has been published will be subject to the revised policy, to the extent permitted by applicable law.