Your privacy matters. When you use CreditEMI.com — whether you're comparing loans, using our EMI calculator, checking your credit score eligibility, or submitting an application — you share data with us. This policy tells you exactly what we do with it. We collect only what is necessary, use it only for stated purposes, and never sell your personal data.
1. Who we are
CreditEMI.com is an independent financial information and comparison platform operated from Mumbai, India. Our platform helps Indian consumers compare personal loans, home loans, business loans, credit cards, and other financial products from multiple banks and NBFCs.
For the purposes of this Privacy Policy, "we," "us," and "our" refer to CreditEMI.com and its operators. "You" refers to any individual who accesses or uses our Platform, submits a form, or provides personal information in any manner.
For any privacy-related concerns, write to: support@creditemi.com
2. Data we collect
We collect the following categories of personal and non-personal data depending on how you interact with our Platform:
Full name, date of birth, PAN number, Aadhaar number (if voluntarily provided), gender
Mobile number, email address, residential city and PIN code
Monthly income, employment type (salaried/self-employed), employer name, existing loan obligations, desired loan amount
CIBIL score range, credit history preference, existing credit cards or loans (as declared by you)
IP address, browser type and version, device type, operating system, referring URL, pages visited, time spent on pages
Products browsed, calculator inputs, loan types searched, links clicked, comparison preferences
3. How we collect your data
We collect data through the following methods:
- Application and enquiry forms: When you fill and submit a loan enquiry, credit card application, eligibility check, or any other form on our Platform.
- EMI and eligibility calculators: The inputs you enter into our financial calculators may be captured to improve calculator accuracy and personalise recommendations.
- Credit score check requests: When you request a credit score eligibility check via links on our Platform.
- Cookies and analytics tools: We use cookies, Google Analytics, and similar technologies to collect technical and behavioural data automatically when you browse our Platform.
- Communication: When you contact us by email, phone, or any other channel, we retain records of that communication.
4. Why we collect your data (legal basis)
We collect and process your data on the following legal grounds under applicable Indian data protection laws including the Digital Personal Data Protection Act, 2023 (DPDP Act):
- Your consent: When you submit any form or use our Platform, you provide explicit consent to the collection and use of your data as described in this policy.
- Contractual necessity: To process your loan or credit card enquiry and connect you with a suitable lending partner.
- Legitimate interests: To improve our Platform, analyse usage patterns, detect fraud, and comply with regulatory obligations.
- Legal obligation: To comply with applicable Indian laws, RBI guidelines, and court orders.
5. How we use your data
The data we collect is used for the following specific purposes:
- Processing and forwarding your loan or credit card application to partner banks and NBFCs.
- Calling, messaging, or emailing you to follow up on your application or provide updates.
- Sending you personalised offers, product recommendations, and financial information based on your profile and browsing behaviour.
- Improving the accuracy and relevance of our EMI calculators, eligibility tools, and product comparisons.
- Analysing aggregate website usage to improve our Platform's functionality and content.
- Complying with legal obligations, responding to regulatory requests, and preventing fraud.
- Sending newsletters, promotional communications, and updates (you may opt out at any time).
We do not use your data for automated decision-making that produces legal effects concerning you. All loan approvals are made by partner lenders using their own assessment processes.
6. Who we share your data with
CreditEMI.com does not sell your personal data to any third party. We share your data only in the following circumstances:
- Partner banks and NBFCs: When you submit an application or enquiry, your name, contact details, income, and employment information are shared with relevant lending partners to process your request. You consent to this sharing when you submit any form.
- Technology service providers: Hosting providers, analytics platforms, CRM systems, and SMS/email service providers who process data on our behalf under strict confidentiality obligations.
- Credit information companies: When you request a credit score check, your data may be shared with TransUnion CIBIL, Experian, Equifax, or CRIF High Mark under your explicit consent.
- Regulatory and legal authorities: When required by Indian law, court order, RBI directive, or any other competent authority.
All third parties with whom we share data are required to handle it securely and in accordance with applicable data protection laws.
7. Cookies and tracking technologies
CreditEMI.com uses cookies and similar tracking technologies to enhance your experience on our Platform and to understand how users interact with our content.
Types of cookies we use:
Necessary for the Platform to function. Cannot be disabled. Enable page navigation, form submissions, and security features.
Help us understand how visitors use our Platform (pages visited, time spent, bounce rate). We use Google Analytics for this purpose.
Remember your settings and preferences (loan type selected, calculator inputs) to personalise your next visit.
Track your interaction with our advertisements and help us show you relevant financial product offers across the web.
You can control cookie settings through your browser. Disabling certain cookies may affect the functionality of our calculators and personalisation features.
8. Your consent and how to withdraw it
You have the right to withdraw your consent at any time by:
- Emailing support@creditemi.com with the subject line "Withdraw Consent".
- Clicking the "Unsubscribe" link in any promotional email we send you.
- Replying "STOP" to any SMS communication from CreditEMI.com.
Please note that withdrawing consent will not affect the lawfulness of processing carried out before the withdrawal, and may limit our ability to assist you with active loan applications.
9. Your rights under Indian data protection law
Under the Digital Personal Data Protection Act, 2023 (DPDP Act) and other applicable Indian privacy laws, you have the following rights regarding your personal data:
Right to access
Request a summary of the personal data we hold about you and how it is being processed.
Right to correction
Request correction of any inaccurate or incomplete personal data we hold about you.
Right to erasure
Request deletion of your personal data, subject to any legal retention obligations.
Right to withdraw consent
Withdraw your consent to data processing at any time, with prospective effect.
Right to grievance redressal
File a complaint with us or with the Data Protection Board of India if you believe your rights have been violated.
Right to nominate
Nominate another individual to exercise your rights in the event of your death or incapacity.
To exercise any of these rights, contact us at support@creditemi.com. We will respond to all requests within 30 days.
10. Data security
CreditEMI.com implements industry-standard technical and organisational measures to protect your personal data against unauthorised access, accidental loss, alteration, disclosure, or destruction. These measures include SSL/TLS encryption for all data transmitted through our Platform, access controls limiting who can view personal data, regular security audits and vulnerability assessments, and secure data storage with reputable cloud hosting providers.
While we take reasonable precautions, no internet transmission is completely secure. We cannot guarantee the absolute security of data transmitted to or from our Platform. You transmit data at your own risk.
In the event of a data breach that is likely to result in harm to you, we will notify you and the relevant regulatory authorities as required under applicable Indian law within the prescribed timeframes.
11. Data retention
We retain your personal data only for as long as is necessary for the purposes described in this policy or as required by applicable law:
- Application data (name, contact, income, loan details): Retained for up to 3 years from the date of your last interaction, or as required by partner lender agreements.
- Analytics and behavioural data: Retained for up to 26 months in line with Google Analytics data retention standards.
- Communication records (emails, support tickets): Retained for up to 2 years.
- Legal compliance data: Retained for as long as required by applicable Indian laws and regulatory guidelines.
After the applicable retention period, your data is securely deleted or anonymised so that it can no longer be associated with you.
12. Changes to this policy
CreditEMI.com may update this Privacy Policy from time to time to reflect changes in our data practices, business operations, or applicable laws. When we make material changes, we will update the "Last updated" date at the top of this page.
Your continued use of the Platform after any changes to this policy constitutes your acceptance of the updated terms. We encourage you to review this page periodically.