Privacy Policy

1. Introduction

Welcome to Credit Bajaar ("we," "our," or "us"). We are a loan marketplace platform that connects borrowers with various lenders, banks, and financial institutions. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

By accessing or using Credit Bajaar, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our services.

2. Information We Collect

2.1 Personal Information

We collect personal information that you provide directly to us when you:

• Register for an account or create a profile
• Apply for a loan through our platform
• Fill out loan application forms
• Contact us for customer support
• Subscribe to our newsletter or marketing communications

This information may include:

• Name, date of birth, and gender
• Contact information (email address, phone number, postal address)
• Financial information (income, employment details, bank account information)
• Identity verification documents (Aadhaar, PAN, passport, etc.)
• Credit history and credit score information
• Loan requirements and preferences

2.2 Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and browsing behavior, including:

• IP address and location data
• Browser type and version
• Device information
• Pages visited and time spent on pages
• Referring website addresses
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the collected information for the following purposes:

• Loan Matching: To match you with suitable lenders based on your loan requirements and eligibility
• Application Processing: To process and facilitate your loan applications with partner lenders
• Verification: To verify your identity and authenticate your information
• Communication: To communicate with you about your loan applications, account status, and our services
• Customer Support: To respond to your inquiries and provide customer support
• Marketing: To send you promotional materials, newsletters, and updates about our services (with your consent)
• Analytics: To analyze website usage, improve our services, and enhance user experience
• Legal Compliance: To comply with applicable laws, regulations, and legal processes

4. Information Sharing and Disclosure

We may share your information with:

• Partner Lenders: We share your loan application information with banks, NBFCs, and other financial institutions to facilitate loan processing
• Service Providers: Third-party service providers who assist us in operating our platform, processing payments, or providing customer support
• Credit Bureaus: We may share information with credit bureaus for credit assessment and verification purposes
• Legal Authorities: When required by law, court order, or government regulations
• Business Transfers: In connection with any merger, acquisition, or sale of assets

Important: Credit Bajaar is a marketplace platform. We do not directly provide loans. All loan approvals, disbursements, and terms are determined by our partner lenders. We facilitate the connection between borrowers and lenders.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Our security measures include:

• SSL encryption for data transmission
• Secure servers and databases
• Regular security audits and assessments
• Access controls and authentication procedures
• Employee training on data protection

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Opt-out: Opt-out of marketing communications
• Data Portability: Request a copy of your data in a portable format

To exercise these rights, please contact us using the contact information provided below.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and personalize content. You can control cookie preferences through your browser settings. However, disabling cookies may affect the functionality of our website.

8. Third-Party Links

Our website may contain links to third-party websites, including partner lenders. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have collected information from a minor, please contact us immediately.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated 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.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Credit Bajaar
Email: pankajsaini9470@gmail.com
Phone: +91 9259167646, +91 9760921480
Address: Mohalla mallapada jewar, Jewar guttum budh Nagar, 203135, Uttar Pradesh

Last Updated: January 2024