How KredSetu handles user data
KredSetu, a brand of Resilience Engineering Private Limited, is committed to protecting customer information and processing personal data only for legitimate lending facilitation and compliance purposes.
1. Information we collect
We may collect the following categories of information when you use our website or app:
| Category | Examples | Purpose |
|---|---|---|
| Identity information | Name, mobile number, email, PAN details, date of birth | KYC, verification, fraud prevention |
| Financial information | Income details, bank statements, employment information | Eligibility checks and lender underwriting |
| Technical information | Device model, IP address, browser data, app version | Security, analytics, troubleshooting |
| Communication records | Support messages, OTP delivery status, grievance submissions | Service operations and customer support |
2. How we use information
- To facilitate onboarding, eligibility checks, and loan application flows.
- To share required application data with regulated lending partners and service providers.
- To comply with legal, regulatory, audit, and anti-fraud obligations.
- To improve user experience, support performance monitoring, and resolve complaints.
3. Information sharing
We do not sell personal data. Information may be shared with NBFC or bank partners, KYC vendors, payment providers, analytics or infrastructure vendors, and regulators or law enforcement when legally required.
4. Data storage and protection
KredSetu uses commercially reasonable safeguards including access controls, encrypted transport, restricted operational access, and audit processes. Data is retained only for the period necessary to fulfil legal and business obligations.
5. User choices
- You may request correction of inaccurate data.
- You may contact support for account deletion or grievance handling.
- You may deny optional permissions where the product flow allows it.
6. Contact
For privacy questions or data requests, contact the support or grievance team through the channels published on the KredSetu website.