Privacy Policy

1. Introduction

MyCredGuru ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services at www.mycredguru.com.

2. Information We Collect

2.1 Personal Information

When you use our services, we may collect the following information:

• Full name, email address, and mobile number
• Date of birth and city of residence
• Employment details (type, company, income, work experience)
• Loan requirements (type, amount, purpose)
• Existing loan/EMI information

2.2 Automatically Collected Information

• IP address and browser user agent
• Device type and operating system
• Pages visited and time spent on the platform
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your information to:

• Match you with suitable lenders based on your profile
• Process your loan applications and forward them to partner lenders
• Provide AI-powered loan recommendations and eligibility checks
• Communicate with you about your application status
• Improve our platform, AI models, and user experience
• Comply with legal and regulatory requirements

4. Information Sharing

We may share your information with:

• Partner Lenders: Banks and NBFCs in our network, solely for processing your loan application
• Service Providers: Third-party services that help us operate our platform (hosting, analytics, communication)
• Legal Requirements: When required by law, regulation, or legal proceedings

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

5. Data Security

We implement industry-standard security measures including 256-bit SSL encryption, secure servers, and access controls to protect your personal information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Loan application data is retained for a maximum of 3 years from the date of submission.

7. Your Rights

You have the right to:

• Access and receive a copy of your personal data
• Correct inaccurate or incomplete data
• Request deletion of your personal data
• Withdraw consent for data processing
• Object to processing of your data

To exercise any of these rights, please contact us at support@mycredguru.com.

8. Cookies

We use cookies and similar technologies to enhance your browsing experience, analyze site traffic, and personalize content. You can control cookie preferences through your browser settings. Disabling cookies may affect certain features of our platform.

9. Third-Party Links

Our platform may contain links to third-party websites, including our partner lenders. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on this page with a revised "Last updated" date. Your continued use of our services after any changes constitutes acceptance of the updated policy.

12. Contact Us

If you have any questions about this Privacy Policy, please contact us at: