Dilcredit Privacy Policy

01Non-Personal Data

"Non-personal data" means information that does not directly identify you, including aggregated and de-personalized information about your use of the Services from which personally identifiable data has been removed.

We may use tools or third-party analytics software to automatically collect non-personal data, including but not limited to: (i) device properties such as IP address, device identifier and other persistent or non-persistent identifiers; (ii) device software platform and firmware; (iii) mobile carrier; (iv) coarse geographical data; (v) app usage data such as screens viewed and session duration; and (vi) other non-personal data reasonably required to enhance the Services.

Analytics providers used by us may combine the information collected with other information they have independently collected from other services or products. These companies collect and use information under their own privacy policies.

02Personal Data

"Personal data" means personally identifiable information that specifically identifies you as an individual.

To provide the indicative credit limit estimate, Dilcredit collects the following personal data that you voluntarily enter:

• Name, mobile number, date of birth and PAN (where required for identity and eligibility checks)
• Details you enter for the estimate: age, employment type, monthly income range and existing monthly obligations
• Login and account information
• Support communications

We use this personal data only to:

• Generate and display your indicative credit limit range
• Allow you to recalculate the estimate when your details change
• Communicate with you about your account and the Services
• Comply with legal and regulatory requirements
• Prevent fraud and ensure security
• Conduct research and analytics to improve the Services

We do not sell your personal data to third parties for marketing purposes.

03Consent and Your Rights

We process your personal data only with your explicit consent, which you provide when you enter your details and use the estimate feature. You may withdraw consent at any time via in-app settings or by emailing support@dilcredit.com, without affecting the lawfulness of processing carried out before withdrawal.

Under the Digital Personal Data Protection Act, 2023, you have the right to:

• Access and review your personal data
• Request correction of inaccurate data
• Request deletion of your account and data
• Withdraw consent for processing
• Receive a copy of your data in a portable format
• Raise a grievance regarding the processing of your data

To exercise these rights, contact our Grievance Officer (see Section 9).

04Children's Privacy

The Services are intended for Indian residents aged 18 and above. We do not knowingly collect personal data from children under 18. If we learn that we have collected such data, we will delete it in a secure manner. If you believe a minor has provided us personal data, please contact us.

05Advertising

Dilcredit does not display third-party advertising.

06Third-Party Terms and Conditions

Your access to and use of the Services may be subject to third-party terms and privacy policies, including application stores, mobile software platforms and payment providers. We are not liable for such third-party terms or their use of your personal data.

The Services may contain links to third-party products or services. Such products are developed and administered by parties not affiliated with or controlled by us. We are not responsible for their actions, content, or their use of information you provide to them. A link does not constitute sponsorship or affiliation.

07Cookies and Tracking

When you visit our website, we may send cookies that uniquely identify your browser, to store preferences and track usage. Most browsers allow you to disable cookies or alert you when cookies are sent.

08Data Security and Retention

We implement industry-standard security measures, including 256-bit SSL encryption for data transmission, access-controlled storage, regular security audits and employee training.

We retain your personal data only for as long as necessary to provide the Services and comply with legal obligations. We typically retain data for 5 years after account closure, unless a longer period is required by law.

09Contact Us / Grievance Officer

For questions about this Privacy Policy or your personal data, or to exercise your rights, contact:

10Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page and, for material changes, notified via the app or email. We recommend reviewing this page periodically.