Privacy Policy

1. About Us

Cred Bandhu Financial Services is a loan distribution and advisory service that assists customers in obtaining financial products from partner banks, NBFCs and regulated financial institutions. We are not a lender and do not independently sanction loans.

2. Information We Collect

• Name, mobile number, email address and address.
• Date of birth, employment, income and loan requirements.
• Information submitted through enquiry forms, WhatsApp, telephone calls and email.
• Website usage information including browser, IP address, pages visited, referring websites and device information.

3. Cookies & Tracking

Our website uses cookies, Google Analytics, Google Tag Manager, Google Ads Conversion Tracking and Google Ads Remarketing to understand website usage, measure advertising performance and improve user experience. These technologies may collect device identifiers, browser information and website interaction data.

4. How We Use Information

• Respond to enquiries.
• Evaluate loan eligibility.
• Share applications with partner banks and NBFCs chosen for processing.
• Improve our website and customer experience.
• Provide updates and promotional communication where legally permitted.
• Meet legal and regulatory obligations.

5. Sharing of Information

We may share your information with:

• Partner banks, NBFCs and financial institutions for loan processing.
• Technology providers, CRM providers, hosting companies and communication vendors.
• Government or regulatory authorities where legally required.

6. Data Security

Reasonable administrative, technical and organisational safeguards are implemented to protect personal information from unauthorised access, disclosure, alteration or destruction.

7. Data Retention

Personal information is retained only for as long as necessary to provide services, satisfy regulatory requirements, resolve disputes and enforce agreements.

8. Your Rights

• Request access to your personal information.
• Request correction of inaccurate information.
• Request deletion where legally permissible.
• Withdraw consent for marketing communications.

9. Children's Privacy

Our services are not intended for individuals below 18 years of age.

10. Policy Updates

This Privacy Policy may be updated periodically. Changes become effective upon publication on this page.