Privacy Policy

Kredlane (“Platform”, “we”, “our”, or “us”) is owned and operated by Kredlane (CIN Kredlane), acting as a Lending Service Provider (LSP). We are committed to protecting your privacy and ensuring that your personal information is handled securely and responsibly.

Loans on the Platform are sanctioned and disbursed by our lending partner Kredlane (“the Company”), an NBFC registered with the Reserve Bank of India (CoR No. Kredlane). Information you share for a loan application is shared with the lender for that purpose.

By accessing or using the Kredlane website or mobile application, you agree to the collection and use of your information in accordance with this Privacy Policy.

1.1 Personal Information

• Full Name
• Date of Birth
• Mobile Number
• Email Address
• Residential Address
• PAN, Aadhaar, and other KYC documents
• Photograph and identity verification information

1.2 Financial Information

• Bank account details
• Salary slips
• Bank statements
• Income Tax Returns (ITR), where applicable
• Employment and business details
• Credit score and credit reports obtained from authorized credit bureaus

1.3 Device and Technical Information

• IP address
• Device ID
• Operating System
• Browser details
• Mobile network information
• App usage statistics
• Crash reports
• Location information (only with your consent)

We collect and process your information to:

• Process your loan application
• Verify your identity and complete KYC requirements
• Assess your creditworthiness
• Prevent fraud and unauthorized activities
• Improve our products and services
• Communicate application updates
• Comply with legal and regulatory requirements

The Company may obtain, access or verify the Customer's credit information from Credit Information Companies and other legally permissible sources for the purposes of credit assessment, underwriting, risk management, monitoring and regulatory compliance.

Your information may be shared with:

• RBI-registered lending partners/NBFCs for loan processing
• Credit Information Companies (CIBIL, CRIF, Experian, Equifax, etc.)
• Banks and payment service providers
• KYC verification partners
• Technology and cloud service providers
• Collection agencies (where legally permitted)
• Government and regulatory authorities whenever required by law

Where a Lending Service Provider (LSP) is engaged by the Company in connection with digital lending activities, the LSP shall process Customer information only for the purposes and activities authorised by the Company and applicable law. The Company shall remain responsible for compliance with applicable RBI requirements in relation to such processing.

We do not sell or rent your personal information.

We implement appropriate technical and organizational measures, including:

• SSL encryption
• Secure servers
• Role-based access controls
• Periodic security reviews
• Industry-standard security practices

Subject to applicable laws, you may:

• Access your personal information
• Request correction of inaccurate information
• Withdraw consent where legally permissible
• Request deletion of your account, subject to statutory retention requirements

To request deletion of your profile, email support@kredlane.in with the subject line “Delete Profile Information”. We will verify your identity and process the request within 3–5 business days, subject to applicable legal and regulatory retention requirements.

The Company shall store and process personal information in accordance with applicable RBI directions and other applicable laws. Where RBI directions prescribe specific requirements relating to storage of data relating to customers and/or digital lending operations, the Company shall comply with such requirements.

Your information will be retained for as long as required to:

• Provide our services
• Meet contractual obligations
• Comply with applicable laws and RBI guidelines

We use cookies and similar technologies to improve user experience and analyze platform performance.

Our Platform may contain links to third-party websites or services. We are not responsible for their privacy practices.

We may modify this Privacy Policy from time to time. Updated versions will be published on our website and mobile application.

If a complaint is not resolved within the prescribed period or the Customer is dissatisfied with the response, the Customer may approach the appropriate RBI grievance redressal mechanism, subject to applicable requirements.