CreditComparer ("we", "us", "our") respects your privacy and is committed to protecting your personal data in accordance with the Digital Personal Data Protection Act, 2023 (DPDP Act), the Information Technology Act, 2000 and applicable RBI guidelines. This policy explains what data we collect when you compare credit cards, loans and other financial products on our website.
1. Information we collect
- Profile data you submit voluntarily: name, mobile number, email, PIN code, employment type, monthly income, date of birth.
- Financial data for eligibility checks: PAN, CIBIL/Experian credit score (via soft enquiry only), existing EMI obligations, loan amount required.
- Technical data automatically: IP address, device type, browser, pages visited, referrer URL, cookies and analytics identifiers.
- Communication data: queries you raise via contact forms, email or call-back requests.
2. How we use your data
- To match you with suitable credit cards, personal loans, home loans and other financial products.
- To pre-fill applications with partner banks and NBFCs you choose to apply with.
- To run soft credit enquiries (which do not impact your CIBIL score).
- To send transactional updates, application status and product recommendations.
- To improve our website, prevent fraud and comply with legal obligations.
3. Sharing with partners
When you click "Apply Now" or submit a lead form, we share the minimum necessary information with the chosen bank, NBFC or affiliate partner so they can process your application. We do not sell your data to third parties for advertising. Partner banks are bound by RBI's data localisation and confidentiality norms.
4. Cookies & analytics
We use first-party cookies for essential site functionality and third-party cookies (Google Analytics, performance monitoring) to understand usage. You can disable non-essential cookies in your browser settings without losing core functionality.
5. Data security
All sensitive data is transmitted over 256-bit TLS encryption and stored on servers located in India. Access is restricted to authorised personnel under strict confidentiality. We never store your full bank account number, card CVV or net-banking credentials.
6. Your rights under the DPDP Act
- Right to access a summary of your personal data we hold.
- Right to correction and erasure of inaccurate or outdated data.
- Right to withdraw consent at any time by writing to our Grievance Officer.
- Right to nominate another person to exercise rights in case of incapacity.
- Right to grievance redressal — we respond within 30 days.
7. Data retention
We retain your data only as long as needed to provide our services or as required by law (typically up to 8 years for financial transaction records, per RBI norms).
8. Children's data
Our services are intended for users aged 18 and above. We do not knowingly collect data from minors.
9. Grievance Officer
In accordance with the IT Act, 2000 and DPDP Act, 2023, you may contact our Grievance Officer for any privacy concerns:
10. Updates to this policy
We may update this policy from time to time. Material changes will be notified on this page and, where appropriate, by email.