By registering yourself at www.credwise.co, you are authorizing us and our associate partners to contact you with regard to offers, services, and promotions relevant to the products you have opted for. Additionally, you may also be contacted for promotional campaigns, offers featured on our website, or services provided by associated third parties.
By registering, you expressly authorize Credwise to call, email, or message you for products and services—even if you are registered under the Do Not Disturb (DND) / Do Not Call (DNC) registry.

Scope of this Privacy Policy
This Privacy Policy governs how www.credwise.co collects, uses, maintains, and discloses personal information obtained from users (hereafter, “you,” “your,” or “user”) of the Credwise website and services.
This policy does not apply to practices of organizations not owned, managed, or controlled by Credwise, or to individuals not employed by or under Credwise’s management.

Information We Collect
When you register or interact with Credwise, we may collect the following details:

• Name, mobile number, and email address.
• City, product/service preferences, and financial interests.
• Additional information necessary for processing loan applications, insurance services, or related financial products.
  By registering, you also consent to receive SMS and email alerts related to your applications, product updates, and promotional offers.
  If you wish to opt-out at any time, you may write to support@credwise.co
  with your registered mobile/email details, and we will remove you from our communication list.

Information Sharing & Disclosure
We respect your privacy and will not sell or rent your personal information to unaffiliated entities. However, we may share your information in the following circumstances:

1. Service Fulfillment – To facilitate financial services you have requested (e.g., submitting loan/credit card applications to banks and NBFC partners).
2. Consent-Based Sharing – When you provide explicit authorization for data sharing.
3. Corporate Transactions – If Credwise undergoes a merger, acquisition, reorganization, or business transfer, your data may be shared with affiliates or successors-in-interest.
4. Legal Compliance – We may disclose information to law enforcement, regulators, courts, or government agencies when required under applicable laws.
   

Data Privacy Policy
We process your personal data based on one or more of the following lawful grounds:

• Consent: You have explicitly agreed to us processing your data for validation, verification, and service delivery.
• Contractual Necessity: To fulfill agreements or provide requested services.
• Legal Obligations: To comply with laws and regulations.
• Legitimate Interests: For internal research, fraud prevention, and product/service improvement.
  

Your Rights
As a Credwise user, you have the right to:

• Consent to or deny use of specific personal data.
• Restrict disclosure of your data to third parties.
• Revoke any previously granted consents.
• Request deletion or erasure of your personal data (“right to be forgotten”).

Withdrawal of consent may affect our ability to provide services. We will communicate such consequences before processing your withdrawal request.

Data Security Practices
We adopt industry-standard measures to safeguard your information:

• Data is stored on secure servers behind firewalls.
• Access to servers is password-protected and strictly controlled.
• All transmissions are encrypted via secure HTTPS/TLS protocols.
• No payment or card-related data is stored on Credwise servers.
• Internal access to your data is isolated and monitored to prevent misuse.
• Third-party vendors engaged by Credwise are required to follow equivalent data protection standards.

While we take robust steps to secure your data, no method of transmission or storage over the internet is fully secure. By using our website and services, you acknowledge and accept this risk.

Cookies & Browsing Data
We may collect non-personal information such as:

• IP address, browser type, operating system.
• Pages visited, time spent, and referral URLs.
• Cookies for user experience optimization and service personalization.

You may disable cookies via your browser settings, but this may limit website functionality.

Data Storage & Retention

• All personal data is stored and processed in compliance with Information Technology Act, 2000, and related rules.
• Customer data is securely deleted six months after withdrawal of consent or closure of service relationship, unless retention is legally required.
  

Third-Party Advertising
Credwise may partner with advertising networks or agencies to display relevant ads. These third parties may use anonymized browsing data but not your name, contact details, or personal identifiers.

Children’s Privacy
We do not knowingly collect or process data from individuals under the age of 18.

Privacy Policy Updates
Credwise reserves the right to amend this Privacy Policy from time to time. Any changes will be posted on this page, and significant updates will be communicated via email or platform notification.

Disclosure to Legal Authorities
Credwise may disclose personal information when:

• Required by law, subpoena, or court order.
• Necessary to protect our rights, safety, or interests.
• To prevent fraud or illegal activities.

All disclosures are reviewed by our compliance team to ensure they meet legal and privacy standards.

Contact Us
For questions, concerns or requests regarding this Privacy Policy, please contact:
📧 support@credwise.co
🌐 www.credwise.co
🏢 Credwise Corporate Office
No. 63, LS-03, 2nd Floor, 100ft Road,
5th A block, Koramangala,
Bengalauru 560095