Effective Date: 25/06/2025
Last Updated: 25/06/2025
KreditFin.com (“we”, “our”, “us”) is committed to protecting the privacy of our users (“you”, “your”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.kreditfin.com, use our finance calculators, or interact with our WhatsApp-based AI chatbot.
We believe in complete transparency, and we are committed to maintaining the highest standards of data privacy and security.
- Scope of This Policy
This policy applies to:
- Users of our website (www.kreditfin.com)
- Users who interact with our financial calculators
- Individuals who engage with our WhatsApp-based AI chatbot
- Visitors accessing our tools, content, or services via desktop, mobile, or other platforms
- What Information We Collect
- No Personal Data Collected from Calculators
Our online calculators, including but not limited to:
- EMI Calculator
- Loan Eligibility Checker
- FD Calculator
- SIP Calculator
- Income Tax Estimator
- Insurance Premium Estimator
- EV vs Petrol Calculator
- Net Worth Calculator
- Debt-to-Income Ratio Checker
do not store, transmit, or save any user input data. All calculations happen locally on your device through your browser. We do not and will not track or link your inputs to your identity in any way.
- Information Collected via WhatsApp AI Chatbot
When you interact with our AI chatbot via WhatsApp, we may collect:
- Your name and mobile number (via WhatsApp)
- Messages and queries you send to the bot
- Details required to process financial assistance, such as income, loan needs, city, etc.
Important: This information is collected only to provide relevant financial assistance or services. We do not store this data beyond the purpose of engagement unless you opt-in for future updates or services.
- Purpose of Data Usage
We use your data strictly for the following purposes:
- To respond to your questions and queries via WhatsApp
- To recommend suitable financial products or services (only when you explicitly request it)
- To connect you to third-party partners like NBFCs or banks, only with your consent
- To improve the user experience and performance of our chatbot
- To comply with legal or regulatory requirements (if any)
- What We Don’t Do
✅ We do not collect any financial or personal details from users passively.
✅ We do not track user behavior or inputs on our calculators.
✅ We do not sell or trade your data to any advertisers or third parties.
✅ We do not use your WhatsApp data for any marketing unless you opt-in.
- Third-Party Data Sharing
We value your privacy and only share your information:
- With partner banks or NBFCs, but only after your consent
- With government agencies if required by Indian law (such as under lawful investigation)
- With technical service providers (such as WhatsApp Business API) only for message delivery purposes, not for any data profiling
- Data Security Measures
We follow industry-best practices and implement strong administrative, technical, and physical safeguards including:
- Encrypted communication channels
- Secure servers for chatbot processing
- Access control policies for our internal systems
- Regular monitoring of our systems for vulnerabilities
However, please note that no internet-based platform is 100% secure, and while we do our best, we cannot guarantee absolute security.
- Analytics and Cookies
Our website may use:
- Cookies: Small data files to enhance your user experience
- Google Analytics / Similar Tools: To collect aggregate, non-personal data like page visits, time on site, and device type
You can disable cookies in your browser settings. We do not use cookies to identify or profile you.
- Data Retention Policy
- For WhatsApp chatbot users, we retain data only for the duration of your engagement and support session.
- If you request a loan service, your data may be stored securely only for as long as required for processing the request or complying with legal obligations.
- User Rights
As a user, you have the right to:
- Know what data is being collected about you
- Request correction or deletion of your data
- Withdraw consent at any time
- Opt-out of any marketing communication
You can exercise these rights by contacting us at support@kreditfin.com.
- Children’s Privacy
KreditFin.com does not knowingly collect data from users under the age of 18. Our services are intended only for adults seeking financial products or assistance.
- Policy Updates
We may revise this Privacy Policy from time to time to reflect changes in our services or legal updates. Any changes will be posted here, and we encourage you to review it periodically.
Last Updated: 03/06/2025
12. Contact Us
For any queries regarding this privacy policy or your data:
📧 Email: support@kreditfin.com
🌐 Website: https://www.kreditfin.com
📍 Address: A 72, 2nd FLOOR, GALI NO 4, MADHU VIHAR, 110092,DELHI.