Privacy policy

What we collect

Identity details including your name, PAN, the result of Aadhaar-based verification and date of birth; contact details; employment and income information; bank account details for disbursal and repayment; your credit bureau report; and technical data about the device and session you apply from.

Why we collect it

To verify that you are who you say you are, to assess whether a loan is affordable for you, to disburse funds to the correct account, to service and collect the loan, to prevent fraud, and to meet our legal and regulatory obligations. Nothing is collected speculatively for future products.

Consent, and what happens without it

Identity verification and the credit bureau enquiry happen only after you give explicit, versioned consent in the application. You may decline — but we cannot assess or sanction a loan without those checks.

Who we share it with

Only where necessary: our lending partner, payment and disbursal providers, identity-verification and credit bureau services, and regulators or courts where the law requires it. We never sell your data, and we do not share it for third-party marketing.

What we never ask for

Your contact list, photo gallery, messages and call logs are not needed to assess a loan and we do not request them. Anyone claiming otherwise on our behalf is not acting for us — report them to support immediately.

How long we keep it

For as long as your loan is active, and for the retention period the law requires afterwards. Beyond that, records are deleted or irreversibly anonymised.

Your rights

Ask for a copy of your data, ask for corrections, withdraw consent for future processing, or ask for deletion where we are not legally required to retain it. Write to privacy@creditthirty.com.

Can I withdraw my consent after I have applied?

Yes. Write to support@creditthirty.com and we stop processing your data for any purpose that still depends on consent. Withdrawal does not undo processing already carried out while the consent was live, and it does not close an active loan or the obligations under it. Records we are required to keep by law, or that the lender must retain under its own regulatory obligations, are held for the periods set out above and no longer.

Do you sell my data or use it for advertising?

No. We do not sell personal data and we do not share it for third-party advertising. It goes to the lender, to the verification providers named in this policy, and to anyone the law obliges us to disclose it to — and nowhere else.