This Privacy Policy (“Policy”) describes how Bytecraft Technologies Private Limited (“we,” “us,” “our,” “Company”), including its affiliates and subsidiaries, collects, uses, discloses, and protects your Personal Information when you use the website www.kreditedge.com (the “Website”) and any related mobile or digital applications (collectively, “Services”).

By accessing or using the Website or Services, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy and consent to the practices described herein. This Policy forms part of the Terms of Use and is governed by applicable laws in India.

• Information We Collect- We may collect the following categories of information from or about you:
• Information You Provide Directly

This includes data you submit when:

• Filling out forms for products/services
• Uploading documents for KYC or verification
• Communicating with us
• Requesting support

Examples: full name, mobile number, email address, date of birth, address, identification information, financial data, employment details.

• Automatically Collected Information – When you interact with our Website or Services, we may automatically collect information such as:

1. Browser type and settings
2. IP address
3. Device identifiers
4. Usage data (pages visited, time spent, clicks)
5. Interaction data for analytics and performance monitoring

We may also use cookies and similar technologies to improve your experience. Cookies help with session management and personalization but do not directly identify you without other information you provide.

1. Mobile Device Information- With your explicit permission, we may access:

• Location data
• Camera and microphone (for onboarding or KYC purposes)

We do not access sensitive phone data (contacts, files, messages) without your consent.

1. Information from Third Parties

We may receive information about you from external sources such as:

• Data providers
• Business partners
• Credit bureaus
• Public databases

This may be combined with information you provide to us.

2. How We Use Your Information – We use your information for purposes including but not limited to:

• Delivering and improving our Services
• Processing requests, applications, and transactions
• Conducting KYC and fraud prevention
• Communicating service updates, notifications, and support
• Providing personalized content and offers
• Analyzing usage patterns and trends
• Internal business analytics and service enhancement
• Marketing and promotional communications, with consent
• Compliance with legal and regulatory obligations

We use both personal and non-personal information to improve our operations and services.

3. Legal Basis for Processing (where applicable) – We process your Personal Information on the basis of:

• Your consent
• Performance of a contract
• Compliance with legal obligations
• Legitimate interests (e.g., fraud prevention, analytics)

Where consent is the basis for processing, you may withdraw your consent at any time, subject to legal and contractual restrictions.

4. Information Sharing and Disclosure – We may share your information with:

• Service Providers – Third parties who help us operate the Website, administer services, or support business functions.
• Business Partners – Banks, NBFCs, financial institutions, and other partners offering financial products through our platform.
• Regulatory and Legal Authorities – Authorities, government agencies, law enforcement, or courts if required by law or to protect our rights.
• Corporate Transactions – In case of merger, acquisition, or sale of assets, your Personal Information may transfer to the successor entity.
• Analytics and Advertising – To third parties for analytics, advertising, and delivery of personalized content where permitted.

We do not sell your Personal Information for commercial purposes.

5. Cookies and Similar Technologies – Cookies are small text files placed on your device that help us:

• Recognize your preferences
• Maintain login sessions
• Understand usage patterns
• Improve performance

You can control or disable cookies through your browser settings. However, this may affect your ability to use certain features of the Website.

6. Data Retention and Purging – We retain your Personal Information only as long as required for:

• Providing our Services
• Fulfilling legal obligations
• Handling disputes
• Resolving issues

Once no longer needed, we securely delete or anonymize your data according to our retention policies.

7. Security of Your Information – We implement administrative, technical, and physical safeguards to protect your data from unauthorized access, misuse, loss, or alteration. However, no security measure is completely fail-proof. You should also protect your login credentials and avoid sharing them.

8. Your Choices and Controls
9. Access and Update – You may access, correct, or update your account information through your profile settings, where available.

• Consent Withdrawal – You can withdraw marketing consent at any time by contacting us or using opt-out mechanisms provided in communications.
• Deletion Requests – You may request deletion of your Personal Information. However, certain data may need to be retained for legal compliance or legitimate business purposes.
• Third-Party Links – Our Website may contain links to external sites. We are not responsible for the content or privacy practices of such third parties. We encourage you to review their privacy policies before submitting any information.

10. Grievance Officer – In accordance with applicable Indian laws, we have designated a Grievance Officer to address user concerns regarding this Privacy Policy:

Grievance Officer – Vishwanath Singh
Email: privacy@kreditedge.com

You may contact the Grievance Officer for any queries, issues, or complaints related to your privacy or data processing.

11. Changes to This Policy – We may update this Privacy Policy to reflect changes in our practices, technologies, or legal requirements. The revised Policy will be posted on the Website with an updated effective date. Your continued use constitutes acceptance of the updated terms.

12. Governing Law – This Privacy Policy is governed by the laws of India. Any dispute regarding this Policy shall be subject to the exclusive jurisdiction of courts in India.