Privacy Policy

Introduction

LowCredit is a service arm of CredBuddha – a loan aggregator platform operated by Intexm Media Private Limited, a registered financial technology company that facilitates loan aggregation through RBI-regulated banks and NBFCs.
This Privacy Policy (“Policy”) outlines how we, through our mobile application "lowcredit" and website www.lowcredit.in (together referred to as the “Platform”), collect, use, process, and disclose your personal data when you access or use our services (“Services”). At lowcredit, we are committed to protecting your privacy and ensuring the security of your information. This Policy explains the principles governing how we handle your personal data, including how it is collected, stored, used, and shared. By accessing the Platform or using our Services and voluntarily providing your personal data, you consent to its collection and processing in accordance with this Policy. Please review this Policy carefully to understand your rights and our obligations regarding your information.

Information We Collect

We may collect and process certain categories of personal data to provide our services effectively and comply with regulatory requirements. This information may include your full name, mobile number, and email ID; government-issued identification such as PAN and Aadhaar; residential address details for KYC verification; financial documentation such as income proof, salary slips, and bank statements; and credit bureau reports including CIBIL or Experian scores. Additionally, we may collect data related to your communication preferences and interactions on our platform, such as WhatsApp opt-ins, message engagement, and other activity logs, to enhance user experience and service delivery. All data is collected with your consent and handled in accordance with applicable privacy laws and this Policy.

How We Use Your Data

We use your personal data to evaluate your eligibility for various loan and financial products offered by RBI-regulated lending partners. This includes sharing relevant information with banks and NBFCs to match you with suitable offers. Additionally, we use your data to comply with applicable legal and regulatory obligations, including Know Your Customer (KYC) requirements and reporting standards. Your data may also be used for internal purposes such as improving our services, conducting risk assessments, preventing fraud, and analyzing user behavior to enhance platform functionality and user experience. All such use is done with your consent and in accordance with data protection laws.

Data Sharing

We may share your personal data with trusted third parties strictly for the purpose of delivering our services and fulfilling legal obligations. This includes RBI-licensed banks and NBFCs for loan assessment and offer generation; authorized credit bureaus for performing eligibility and creditworthiness checks; and verified technology service providers that support our operations—such as SMS, email, and WhatsApp communication platforms. Additionally, we may disclose your data to government authorities, regulatory bodies, or law enforcement agencies when required by applicable law or in response to a legal request. All data sharing is performed with appropriate safeguards to ensure confidentiality, security, and compliance with relevant data protection regulations.

Data Security

We take the security of your personal data seriously and implement industry-standard safeguards to protect it against unauthorized access, disclosure, or misuse. Our platform is hosted on secure AWS cloud infrastructure located in India, ensuring compliance with local data residency requirements. We employ advanced encryption protocols, robust firewalls, and strict access control policies to secure all data at rest and in transit. Access to your information is limited to authorized personnel and trusted service providers, all bound by confidentiality obligations. These measures are regularly reviewed and updated to maintain the integrity and privacy of your data in accordance with applicable legal and regulatory standards.

User Rights

As a user of our platform, you have the right to access the personal data we hold about you, request correction of any inaccurate or outdated information, and request deletion of your data where legally applicable. You may also withdraw your consent to be contacted and opt out of receiving promotional or transactional communications via WhatsApp, SMS, email, or phone. To exercise any of these rights, please contact us at [email protected]. We are committed to responding to your requests promptly and in accordance with applicable data protection regulations.

WhatsApp Consent

By opting in, you expressly authorize us to send you personalized updates, offers, and service-related communications via WhatsApp using the mobile number you have provided. These messages may include application updates, reminders, promotional content, or information relevant to your financial interests. You retain full control over your preferences and may opt out of receiving WhatsApp messages at any time by replying with “STOP” in the chat. Your consent to WhatsApp communication is voluntary and may be withdrawn without affecting your access to our services.

Cookies & Tracking

We use cookies, tracking pixels, and analytics tools to enhance your experience on our website and improve the functionality of our services. These technologies help us understand user behavior, analyze traffic patterns, and deliver personalized content and relevant loan offers through retargeting on various platforms, including WhatsApp and social media. By continuing to use our website, you consent to our use of such tracking technologies. You can manage your cookie preferences through your browser settings at any time.

Compliance

We comply with Meta’s Commerce Policy, Indian data protection laws, and RBI regulations. Our platform is transparent, secure, and respectful of user rights.

Payment Methods

LowCredit does not charge users for comparing loan offers. All loan-related transactions, if applicable, are conducted directly between the user and the lender on secure platforms. We do not store or process payment data.

Refund and Cancellation Policy

Since we do not collect payments from users directly or sell physical products, refunds are not applicable. If you believe an error occurred in your application or submission, please contact our support team for resolution.

Service Fulfillment & Timelines

Loan offers and approvals are subject to credit evaluation by third-party lenders. While we facilitate applications instantly, final approval timelines may vary by lender, ranging from a few hours to several days. We do not guarantee loan approval or disbursement.

Prohibited Items and Content

We do not promote, list, or sell any prohibited products, including but not limited to:

  • Financial scams or misleading services

We comply strictly with Meta’s advertising policies and content standards.

Grievance Redressal

If you have any concerns, complaints, or questions regarding our privacy practices or the handling of your personal data, you may contact our designated Grievance Officer. We are committed to addressing your concerns promptly and fairly. Please reach out using the details below:

  • Grievance Officer
  • Name: G M Murali
  • Email: [email protected]
  • Phone: +91-9154730244
  • Response Time: We aim to respond to all grievances within 5 business days.

Registered Address: Flat no 501, Sai Chandra Residency, Raghavendra Colony, Kondapur, Hyderabad
Customer Support: [email protected]

We value your trust and strive to ensure transparency, accountability, and compliance with all applicable data protection laws.