Privacy Policy of ONE CREDIT

This privacy policy outlines how ONE CREDIT collects and uses your personal information when you utilize our services or visit our website at www.onecredit.in.

Lines of credit offered through ONE CREDIT are provided by our financial partners. The personal information you provide in your application will be shared with, which financial partner / Direct vendor ready to avail in your matched credit profile.

We may update our privacy policy periodically. Any changes will be posted on our website, with the date of the last update displayed at the top of the page. Your continued use of our services or website after changes signifies your acceptance of the updated policy.

When you register for services or apply for a line of credit via partner merchant websites or our website, we collect your name, email address, mobile number, Permanent Account Number (PAN), and shipping/residential address. We may also request additional information to verify your identity and assess your eligibility for credit. Your financial information may be shared for credit reporting purposes as required by with our regulated lending partners / Direct vendors.

To assist in identifying you, we may collect information about the device you use to access our services, including its location, IP address, and any other relevant device data. We may also track your interactions with our website and partner sites, including previous service usage and application actions.

We may obtain additional information from third-party sources, including identity verification companies and credit reporting agencies, as part of the qualification process.

Our app may collect specific information for credit assessment to uniquely identify you and prevent fraud. Your acceptance or denial of these permissions may affect your application outcome.

We collect and analyze your financial SMS messages, specifically those from 8-digit alphanumeric senders, to identify bank accounts, cash flow patterns, and transaction details. This information aids in credit risk assessment and helps us determine your risk profile. Your SMS data is not stored, shared with third parties, or used for marketing. You can revoke access to this data at any time, although this may impact your credit limit adjustments.

We also monitor your device's location to enhance our service, mitigate application risk, and provide personalized offers related to your credit line.

This information helps us verify your address, make informed credit risk decisions, and expedite the Know Your Customer (KYC) process.

When you download the One Credit app, we collect information about the names and packages of each installed application on your device. This data is sent to our backend servers via https://www.onecredit.org for credit risk assessment. This process is part of onboarding you as a user, determining your purchase limit, processing loans, and providing pre-approved offers, with your explicit consent.

The information the app collects depends on your device’s privacy settings. We store the data with unique identifiers linked to your device. We seek your permission to access the necessary information, which includes:

• Operating system version, brand, model, RAM (available and total), internal and external storage (available and total)
• Display language and unique device identifiers
• SIM information, including network operator and type

This data helps us uniquely identify your device and prevent unauthorized access, reducing fraud risk.

We also collect metadata of the installed applications, such as names, package names, and paths, sending this information to our backend servers. This assessment aids in determining your creditworthiness and provides you with tailored pre-approved offers. Users with fraudulent or non-Play Store apps may be flagged in our system.

To verify your identity, we collect a list of accounts logged into your device, ensuring no unauthorized users act on your behalf.

We use your Google Advertising ID (GAID), also known as the Android Advertising ID (AAID), to deliver personalized advertisements. This unique identifier helps us track advertising effectiveness while keeping your identity anonymous.

We request camera permission to allow you to easily upload photographs of your KYC documents and other required documents during your application process.

Microphone permissions are sought to facilitate two-way communication for your video KYC process, which may be recorded and stored for verification and regulatory purposes.

Storage permissions allow us to securely download and save your KYC and related documents on your device, making it easier for you to upload the correct documents and speed up your application process.

We use cookies to gather information about you, which helps enhance our marketing efforts and improve user experience. No confidential information is stored in cookies, and you can manage cookie preferences in your browser. Please note that rejecting cookies may prevent you from using our services.

We retain your information for as long as your account is active or as needed to comply with legal obligations, resolve disputes, or enforce our agreements.

We collaborate with various partner merchants, vendors, and banks, including credit reporting agencies, financial service providers, identity verification services, and electronic payment processors. We may share your information with these partners as needed.

We may share your information with our vendors and partners to facilitate the services they provide to us, governed by data security agreements to protect your information. Exceptions may apply if information needs to be shared for service provision or as required by law.

Our partner banks have access to the information you share with us, and we may also share information with the merchant whose website you are using.

Your information may be disclosed in response to legal proceedings, court orders, or to prevent fraud or criminal activity as mandated by law, or to protect our legal rights.

Access to your information is limited to authorized employees and representatives, who are required to follow strict confidentiality guidelines. We utilize your information for various business activities, including assessing creditworthiness, processing transactions, collecting repayments, resolving disputes, and mitigating fraud risk.

We maintain robust security measures to protect your personal information, including:

• Firewalls and data encryption
• Restricted access to authorized personnel only
• Regular monitoring of security risks

Our physical office access is also restricted to employees and representatives.

This privacy policy applies specifically to your use of our services or access to the Onecredit site or mobile app. Please review the privacy policies of our merchant partners, as their practices may differ.

We comply with all applicable laws and regulations in India regarding the services provided by ONE CREDIT and its affiliates. Our legal team ensures we remain compliant with updated regulations.

Employees receive regular training on confidentiality and privacy. Access to personally identifiable information is limited to those with a legitimate business need. Security measures, including access codes and limited access to sensitive information, are enforced. Employees are informed of these standards upon hiring, and violations of this policy will result in disciplinary action.

Account Deletion