Privacy Policy
Last Updated: June 2, 2026
1. Introduction
This Privacy Policy explains how Kredit724 and FINALOP TRADE LINKS SOLUTIONS PRIVATE LIMITED collect, use, store, share, and protect information when you use the Kredit724 mobile application, website, and related loan services in India. This policy is intended to be read together with any in-app notices, consent screens, and permission prompts shown during the loan, KYC, and repayment process.
Kredit724 provides digital personal loan and repayment-related services through regulated lending partners, banks, non-banking financial companies, or service providers as applicable. We process personal and sensitive user data only for app functionality, service delivery, risk control, legal compliance, customer support, and other purposes described in this policy.
2. Information We Collect
We collect information directly from you, from your use of the app, and from service providers involved in verification, credit assessment, loan processing, and repayment.
Account and contact information
- Mobile number, OTP verification status, email address, and account identifiers.
- Name, date of birth, gender, marital status, education, city, state, and current address information provided by you.
- Reference contact names, phone numbers, and relationship details that you manually enter in the loan application form. Kredit724 does not request or read your device contacts.
Identity and KYC information
- PAN, Aadhaar, or other government identity information submitted by you for eligibility and KYC checks.
- Identity document images, address proof images, DigiLocker or other verification results, and selfie/liveness images captured only after your action and permission.
- OCR and verification results returned by our identity verification service providers.
Financial and loan information
- Employment type, employer name, monthly income, bank account or bank card details, branch information, and repayment account information.
- Loan application details, approved amount, tenure, repayment schedule, fees, repayment records, payment channel, and order status.
- Credit assessment, fraud prevention, and risk-control information needed to process and service your loan.
Device, network, and app information
- Device model, manufacturer, operating system type and version, app version, device identifier generated or used for fraud prevention, network type, and IP address.
- App usage events, error logs, and service performance information used to secure, troubleshoot, and improve the app.
- Internet and network state information needed to connect to Kredit724 services and complete loan, KYC, and repayment workflows.
3. App Permissions and Sensitive Access
Kredit724 requests only the permissions needed for the app features used by you. Runtime permissions are requested before accessing permission-gated data.
| Permission | Purpose |
|---|---|
| Camera | Used only when you choose to capture identity documents, repayment proof, or selfie/liveness images for KYC and loan verification. |
| Internet | Used to connect securely to Kredit724 servers, submit applications, verify OTP, upload KYC records, and process repayment workflows. |
| Network state | Used to check connectivity so the app can complete requests reliably and display service status. |
Kredit724 does not request the following permissions or identifiers in the current Android app:
- Advertising ID
- Read contacts
- Read phone numbers
- Precise location
- Read external storage
- Write external storage
- Read media images
- Read media videos
- Query all packages
4. How We Use Information
- To register your account, verify your mobile number, and authenticate app sessions.
- To verify your identity, perform KYC checks, validate documents, and prevent impersonation or fraud.
- To assess loan eligibility, process applications, determine loan terms, disburse approved funds, and manage repayments.
- To provide customer support, send service messages, respond to complaints, and communicate important loan or account updates.
- To maintain app security, detect misuse, prevent unauthorized access, investigate suspicious activity, and protect users and our services.
- To comply with applicable financial, anti-fraud, audit, tax, reporting, recordkeeping, and legal obligations.
- To improve app reliability, troubleshoot errors, monitor service performance, and develop safer product features.
We do not use personal and sensitive user data for unrelated advertising purposes, and we do not sell personal and sensitive user data.
5. Information Sharing
We share information only when needed for the purposes described in this policy:
- Licensed lending partners, financial institutions, banks, payment processors, and repayment service providers where required to process your loan or repayment.
- KYC, OCR, identity verification, fraud-prevention, credit assessment, and risk-control service providers.
- Cloud hosting, storage, SMS, communication, analytics, security, and technical service providers that process data on our behalf.
- Regulators, courts, law-enforcement agencies, government authorities, auditors, or professional advisers where required by applicable law or valid legal process.
These parties are expected to handle data securely and use it only for authorized purposes. We may also share information with your consent or as part of a merger, acquisition, financing, restructuring, or transfer of business assets with legally appropriate notice.
6. Data Security
- We transmit personal and sensitive user data using secure network communication such as HTTPS/TLS.
- We apply access controls so only authorized personnel and service providers can access data when required for their role.
- We use technical and organizational safeguards to reduce risks of unauthorized access, loss, misuse, alteration, or disclosure.
- We monitor systems and service behavior to help detect fraud, abuse, technical failures, and security incidents.
No method of transmission or storage is completely secure. If you suspect unauthorized account access or misuse of your information, contact us immediately.
7. Data Retention and Deletion
We retain personal information only for as long as necessary for loan servicing, repayment, customer support, fraud prevention, legal compliance, audit, dispute resolution, and regulatory recordkeeping.
- Account and application information is retained while your account, loan application, or loan relationship is active.
- Loan, repayment, KYC, and transaction records may be retained for longer periods where required by applicable law, financial regulations, audit requirements, fraud prevention, or dispute handling.
- Data that is no longer required is deleted, anonymized, or securely archived according to our retention procedures.
You may request account or data deletion by contacting us at finlop95@gmail.com. If we must retain certain records for legal, security, fraud-prevention, or loan-servicing reasons, we will explain the applicable retention requirement.
8. Your Choices and Rights
- You can choose not to provide optional information, but required loan, KYC, or repayment features may not work without necessary data.
- You can deny or revoke camera permission through your Android device settings. If camera permission is revoked, document capture, selfie, and liveness verification features may not be available.
- You may request access to, correction of, deletion of, or restriction of your personal information, subject to identity verification and legal retention requirements.
- You may opt out of non-essential promotional communications where such communications are provided.
- You may contact us to raise privacy complaints or questions about how your information is handled.
9. Third-Party Services and Links
The app or website may link to third-party services such as payment pages, verification services, or support channels. Their privacy practices are governed by their own policies. We are not responsible for third-party websites or services that are not controlled by Kredit724.
10. Children's Privacy
Kredit724 services are intended only for adults who are legally eligible to apply for financial services in India. We do not knowingly collect personal information from children or minors. If we discover that a minor has provided personal information, we will take steps to delete it unless retention is legally required.
11. Changes to This Policy
We may update this Privacy Policy to reflect changes in our services, app permissions, data practices, legal requirements, or Google Play policy obligations. The updated version will be posted on this page with a new “Last Updated” date. Where required, we will provide additional notice or request consent.
12. Contact Us
For privacy inquiries, account deletion requests, data access requests, or complaints, contact:
- App: Kredit724
- Developer: FINALOP TRADE LINKS SOLUTIONS PRIVATE LIMITED
- Email: finlop95@gmail.com
- Phone: 98189 97364
- Address: H-165, Sector-63, Noida, Gautam Buddha Nagar, Uttar Pradesh, India, 201301
- Working Hours: Monday to Saturday, 9:00 AM - 6:00 PM
User Safety
Kredit724 values the safety and dignity of its users. If you face unprofessional behavior, harassment, coercive recovery conduct, or privacy concerns from any representative or partner, please keep evidence and contact us immediately. We review such complaints seriously.
Acknowledgment: By using the Kredit724 app and services, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with this policy, please do not use our services.