Privacy Policy

01Information We Collect

When you use Credit Prime to check or download your credit report, or register as a partner, we collect:

• Identity details — full name, PAN number, date of birth (where required for bureau verification).
• Contact details — mobile number, email address, city.
• Report request details — which bureau(s) you selected (CIBIL, Experian, Equifax, CRIF High Mark).
• Usage data — pages visited, device and browser type, and general location, collected automatically for security and analytics.
• Partner application details — professional background, if you register as a Credit Prime partner.

02How We Use It

We use the information you provide to:

• Verify your identity and pull your credit report from the bureau(s) you select.
• Display your score, report summary, and personalised improvement tips.
• Send you your report, score updates, and account-related communication.
• Process and evaluate partner registrations.
• Improve the platform, detect fraud, and maintain security.

03Credit Bureau Data

To fetch your credit report, we share the minimum identity details required (name, PAN, mobile, email) with the bureau(s) you select — TransUnion CIBIL, Experian, Equifax, or CRIF High Mark — each of which is registered with the Reserve Bank of India (RBI) as a Credit Information Company.

Every report pulled through Credit Prime is processed as a soft inquiry. Soft inquiries are visible only to you and do not affect your credit score.

04Sharing & Disclosure

We do not sell your personal information. We only share it with:

• The credit bureau(s) you've chosen, to retrieve your report.
• Service providers who help us operate the platform (hosting, SMS/email delivery), under confidentiality obligations.
• Law enforcement or regulators, where required by applicable Indian law.
• A partner professional, only if you explicitly opt in to be connected with one.

05Data Security

We use encryption in transit and at rest, access controls, and secure servers to protect your information. While we work to protect your data, no method of transmission or storage is 100% secure, and we encourage you to use strong, unique passwords and avoid sharing OTPs with anyone.

06Data Retention

We retain your information only as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. You can request deletion of your account data at any time — see "Your Rights" below.

07Your Rights

Subject to applicable law, you can:

• Request a copy of the personal data we hold about you.
• Ask us to correct inaccurate information.
• Request deletion of your account and associated data.
• Withdraw consent for marketing communication at any time.

To exercise any of these rights, reach out via the contact details below.

08Cookies

We use essential cookies to keep the platform running (session handling, security) and, where you consent, analytics cookies to understand how the site is used. You can control cookies through your browser settings; disabling essential cookies may affect functionality.

09Children's Privacy

Credit Prime is intended for individuals who are at least 18 years old and eligible to hold a credit profile in India. We do not knowingly collect information from anyone under 18.

10Changes to This Policy

We may update this policy from time to time to reflect changes in our practices or for legal reasons. We'll update the "Last updated" date above whenever we make changes, and significant updates will be communicated where appropriate.

11Contact Us

Questions about this Privacy Policy or how we handle your data? Reach out: