Privacy Policy

1. Introduction

1.1. This privacy policy ("Policy") explains how Early Credit ("we", "us" or "our") collects, uses, processes and discloses personal information when you use our platform, including our website and any related services (collectively, the "Platform").

1.2. This policy is designed to help you understand how we collect, use and protect the personal information you provide to us through your use of the Platform and the services provided by Early Credit (the "Services").

1.3. By using the Platform, you consent to the collection, use, storage and sharing of your personal information in accordance with this policy. If you do not agree to this Policy, you should not use the Platform or the Services.

2. Personal Information We Collect

2.1. We collect and store personal information that you provide to us directly and indirectly when you access or use the Platform. This data may include, but is not limited to:

• Identification data: Name, contact data (email, phone number), age, gender, address, marital status, etc.
• KYC Information: Government issued identification like Aadhaar, PAN Card, Voter ID, Passport etc.
• Financial information: Income details, credit history, loan information, repayment history, bank account details, etc.
• Transaction Data: Information about your interactions on the Platform, including services you have used, payments made or financial transactions through the Platform.
• Device Information: IP address, device model, browser type, operating system, location data, and other metadata related to your device and usage patterns.
• SMS data: With your permission, we collect and analyze SMS data from your registered mobile number to evaluate your financial situation and offer personalized credit products.

2.2. We may also collect non-personal information, such as anonymized usage data, to help us better understand how the Platform is used and to improve the Services.

3. Use of Your Data

3.1. We use your personal data for the following purposes:

• To provide, maintain and improve the services offered through the platform.
• To verify your identity and process loan applications.
• To communicate with you about updates, new features or promotional offers.
• To comply with legal obligations such as KYC (Know Your Customer) requirements.
• Analyze your financial transactions and offer you personalized financial products.
• To ensure the security of your data and prevent fraud.
• For marketing and promotional purposes (with your consent).

3.2. Your data may be used for analysis, research or reporting purposes in an aggregated and anonymized form that does not identify individual users.

4. Sharing Your Data

4.1. We may share your personal information with third party partners such as:

• Lenders: Processing your loan applications and facilitating transactions.
• Service providers: To help us manage our platform and services (e.g., cloud storage providers, data analytics services).
• Government authorities: If required by law or in response to legal requirements (e.g., in accordance with KYC or AML regulations).

4.2. We will not share your personal information with third parties for their own marketing purposes unless we obtain your express consent.

5. Data Security

5.1. We implement technical, administrative and physical security measures to protect your personal information from unauthorized access, loss or misuse.

5.2. While we strive to protect your data, no system is completely secure. Therefore, we cannot guarantee the absolute security of your personal data.

6. Data Retention

6.1. We retain your personal data for as long as necessary to provide the Services or as required by applicable laws.

6.2. As soon as your personal data is no longer needed, we securely delete or anonymize it.

7. Your Rights

7.1. Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Right of access: You can request access to your personal data and obtain information about how we process it.
• Right to rectification: You can ask us to correct inaccurate or incomplete data.
• Right to erasure: Under certain legal conditions, you can request the erasure of your personal data.
• Right to object: In certain circumstances, you may object to our processing of your personal data.
• Right to withdraw consent: You can withdraw your consent to our use of your data at any time, but this may affect your ability to access certain services.

8. Cookies and Tracking Technologies

8.1. We use cookies and similar tracking technologies to improve your experience on the Platform. These technologies collect information about your usage patterns and preferences.

8.2. You can control the use of cookies through your browser settings. However, disabling cookies may limit your access to certain features of the Platform.

9. Third Party Links

9.1. The Platform may contain links to third-party websites or services that we do not operate. We are not responsible for the privacy practices of these third party sites.

10. Changes to this Policy

10.1. We may update this Privacy Policy from time to time. Any changes will be posted on this page and you will be notified by email or SMS as appropriate.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us at:

Complaints Officer: [Name]
Email: [[email protected]]
Phone: [+91-XXXXXXXXX]
Address: [Company Address]