Credit Zone • Effective Date: September 17, 2026
Credit Zone respects your privacy and is committed to protecting the personal information you provide while using the Credit Zone mobile application, website, and related services.
This Privacy Policy explains how we collect, use, store, process, share, and protect your information when you use our services.
By accessing or using Credit Zone, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with this policy, please do not use the application.
We may collect the following categories of information when you use the Credit Zone application or submit an application:
We may collect information through:
We may use the information collected for the following purposes:
We do not sell your personal information. We may share information where necessary to provide the requested services, operate the application, comply with legal obligations, or protect our rights.
Information may be shared with:
Information will be shared only to the extent reasonably necessary for the relevant purpose and in accordance with applicable legal requirements.
Credit Zone may facilitate access to financial services through the applicable lending partner.
Lending Partner: Nirman Fincap Private Limited
Registered Address: 88-B, Rajguru Nagar, Ludhiana, Punjab – 141012
CIN: U67120PB1992PTC012036
Website: https://nirmanfincap.com/
Partner Details: https://nirmanfincap.com/partner.php
Email: contact@nirmanfincap.com
The lending partner may independently process information in accordance with its own privacy policy, applicable laws, and regulatory requirements.
Where required, we may collect and process KYC, employment, income, and bank account information to facilitate the requested financial services.
You should provide only accurate, complete, and legally authorized information. You must not submit another person's personal information without their permission or lawful authority.
We may use verification providers or applicable lending partners to validate the information submitted by you.
We retain personal information only for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, provide services, maintain business and transaction records, resolve disputes, prevent fraud, and comply with legal or regulatory obligations.
When information is no longer required, it may be deleted, anonymized, or securely disposed of in accordance with applicable law and our internal retention practices.
We take reasonable technical and organizational measures to protect personal information against unauthorized access, misuse, loss, alteration, disclosure, or destruction.
However, no electronic transmission or storage system can be guaranteed to be completely secure. You acknowledge that the transmission of information over the internet involves certain risks.
We may contact you through SMS, phone calls, email, WhatsApp, push notifications, or other available communication channels for purposes such as:
You may manage certain notification permissions through your device settings. Some service-related communications may still be necessary for processing your application.
The application may contain links to third-party websites, services, or platforms. These third parties may have their own privacy policies and terms.
Credit Zone is not responsible for the privacy practices, content, or security of third-party websites or services. We recommend reviewing their privacy policies before providing information.
Subject to applicable law, you may have the right to:
Certain information may need to be retained to comply with legal, regulatory, fraud-prevention, or contractual requirements.
Credit Zone is not intended for individuals who are below the applicable legal age to use financial services. We do not knowingly collect personal information from children.
If you believe that a child has provided personal information, please contact us so that appropriate action can be taken.
We may update this Privacy Policy from time to time to reflect changes in our services, legal requirements, technology, or business practices.
Any updated version will be published through the application or the relevant website. The revised policy will become effective when published unless otherwise stated.
If you have any questions, concerns, requests, or complaints regarding this Privacy Policy or the handling of your personal information, please contact us.
App Name: Credit Zone
Support Email: contact@nirmanfincap.com
Lending Partner: Nirman Fincap Private Limited
Registered Address: 88-B, Rajguru Nagar, Ludhiana, Punjab – 141012