Bytecraft Technologies Private Limited (“Company”, “we”, “us”, “our”) values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, store, and safeguard your information when you visit and use www.kreditedge.com and any associated mobile or digital applications (collectively, the “Website” or “Services”).
By accessing or using the Website in any way, you consent to the practices described in this Privacy Policy.
If you do not agree with the terms of this Policy, you should discontinue using the Website immediately.
1. Who We Are & Where Your Data Is Stored
Your personal information is collected by Bytecraft Technologies Private Limited, a company incorporated under the laws of India. Your data will be collected, stored, processed, and accessed on servers located in India.
We may share and transfer information with our affiliates, service providers, business partners, and regulatory authorities only as described in this Policy or as required under applicable laws.
2. What Information We Collect
We may collect the following categories of information from you:
A. Information You Provide Directly
Full name, email address, postal address, date of birth, gender, contact number
Government-issued identifiers (e.g., PAN, Aadhaar)
Financial details (bank account info, income, employment details)
Documents uploaded for verification, KYC, or service facilitation
Other data you voluntarily submit through forms, chats, calls, or support requests
You are not required to provide all information, but not doing so may limit your ability to use certain services.
B. Information Automatically Collected
We may automatically collect the following when you interact with our Website:
Browser type and version
IP address and device information
Operating system and platform
Pages visited, time spent, and interaction data
Cookies and similar tracking technologies
These help improve performance, security, and Website functionality.
C. One-Time Access Permissions
With your explicit consent, we may access:
Camera and microphone (for onboarding or video KYC)
Location (for providing certain service features)
This access will be sought only when necessary and only with your permission.
D. Information from Third Parties
We may receive additional information about you from:
Credit bureaus
Business partners
Public databases
Third-party authentication providers
This supplementary data may be linked with your existing account.
3. Use of Cookies and Similar Technologies
We use cookies and similar technologies to:
Maintain login and session information
Remember preferences and settings
Analyze usage patterns
Enable personalized content and targeted communication
You can control cookie acceptance through your browser settings. Disabling cookies may impact your ability to use certain features.
4. How We Use Your Information
We use the collected information for purposes including but not limited to:
Providing, operating, and maintaining the Website and services
Processing applications and facilitating financial product offers
Performing KYC, identity verification, fraud detection, and risk analysis
Communicating information about products, services, updates, and promotions
Customizing content and recommendations for you
Responding to queries, feedback, and complaints
Conducting internal analytics to improve our Services
Complying with legal and regulatory obligations
We may combine information received from various sources to provide a seamless experience.
5. Communication & Marketing
By providing your contact details (email, phone, SMS, WhatsApp, notifications), you agree that we (and our authorized partners) may contact you regarding:
Account and service updates
Transaction alerts
Promotional offers and new services
Surveys and feedback requests
These communications may be sent even if your number is registered under DND/NCPR, unless you opt-out.
You may opt out of promotional communications by following the unsubscribe mechanism or contacting our support team.
6. Disclosure of Information to Third Parties
We do not sell or rent your personal information for commercial purposes. However, we may share your information with:
A. Business Partners & Service Providers
Banks, financial institutions, lenders, credit bureaus, analytics partners, onboarding/KYC partners, and IT service vendors — only for purposes outlined in this Policy and subject to contractual confidentiality obligations.
B. Affiliates
Affiliated entities that assist in providing services under the same terms.
C. Legal & Compliance Authorities
Government, regulatory, judicial, or law enforcement authorities when required by law or to protect legal rights.
D. Corporate Transactions
In the event of a merger, acquisition, or reorganization, your information may be transferred to the successor entity with similar privacy obligations.
E. Anonymous & Aggregated Data
We may share de-identified or aggregated data that does not personally identify individuals for analysis or business purposes.
7. Data Retention & Storage
We retain your personal information:
As long as you maintain an account with us
To comply with legal obligations
To support dispute resolution, investigations, and regulatory requirements
Certain categories of information (such as credit reports) may be retained for specific minimum periods in compliance with applicable laws and contractual obligations.
Upon deletion request, we will remove your data, subject to legal or retention requirements.
8. Your Rights and Choices
A. Access & Correction
You have the right to view and update personal information associated with your account through your profile settings or by contacting support.
B. Consent Withdrawal
You may withdraw consent for processing certain personal data by contacting our support team, subject to legal limitations.
C. Opting Out of Marketing
You may opt out of promotional communications at any time.
D. Account Deletion
You may request account closure and deletion of personal information, subject to retaining necessary data for compliance and servicing purposes.
9. Data Security
We implement industry-standard technical and organizational safeguards to protect your data from unauthorized access, misuse, loss, or alteration.
However, no security system is completely impenetrable. You are also responsible for protecting your login credentials and ensuring their confidentiality.
In case of a data breach, we will notify affected users and relevant authorities as required by law.
10. Third-Party Advertisers and External Links
We may use third-party advertising technology to serve ads on our Website. Such parties may collect non-personal information about your visits to this and other websites for advertising purposes.
Our Website may contain links to external third-party sites. We are not responsible for their privacy practices and encourage you to review their policies before submitting information.
11. Changes to this Privacy Policy
We may update this Policy periodically. The revised Policy will be posted on the Website with an updated effective date.
Your continued use of the Website after changes constitutes acceptance of the updated Policy.
12. Contact Information & Grievance Redressal Officer
For any privacy related queries, concerns, data access requests, or complaints, you can contact:
Privacy Officer
Bytecraft Technologies Private Limited
Email: privacy@kreditedge.com
We will respond to your request in accordance with applicable laws.