User Data Policy

Kredit724 collects user data solely for the following purposes: • Loan Application Processing: To assess your eligibility and process your loan application • Identity Verification: To verify your identity and prevent fraud using PAN Card/Aadhaar and selfie verification • Credit Assessment: To determine loan terms and amounts based on your profile • Account Management: To manage your loan account and provide customer support • Legal Compliance: To comply with RBI regulations and Indian law • Service Improvement: To improve our app and services based on usage patterns We do not collect or use data beyond what is necessary for these purposes.

Your data is stored securely: • Primary Storage: Secure cloud servers with industry-standard encryption • Backup Systems: Encrypted backups for disaster recovery • Retention Period: Data is retained as per regulatory requirements • Access Controls: Only authorized personnel can access your data We implement strict protocols to ensure data integrity and availability.

We share data with third parties only when necessary: Payment Partners: • UPI, GPay, PhonePe for transaction processing Regulatory Bodies: • RBI for regulatory compliance • Credit bureaus for credit reporting Service Providers: • Cloud hosting providers (under strict data protection agreements) • Analytics providers (anonymized data only) We never sell your personal data to advertisers or marketing companies.

As a Kredit724 user, you have the following rights: Right to Access: You can request a copy of all personal data we hold about you. Right to Correction: You can request correction of any inaccurate information. Right to Deletion: You can request deletion of your data, subject to legal retention requirements. Note that we must retain certain data for regulatory compliance. Right to Portability: You can request your data in a commonly used format. Right to Withdraw Consent: You can withdraw consent for marketing communications at any time. To exercise any of these rights, contact our support team.

To request data deletion: 1. Contact our support team via the app or email at finlop95@gmail.com 2. Verify your identity through our security process 3. Specify what data you want deleted 4. We will process your request within 30 days Important Notes: • Active loans must be fully repaid before deletion • Some data must be retained for legal compliance (typically 5-7 years) • Anonymized analytics data may be retained • Account deletion is permanent and cannot be reversed

Your consent is important to us: Loan Application: All loans are processed only with your explicit consent. You can click "Quit" anytime during the application process. Mistake Applications: If you applied by mistake, repay within 24 hours and contact us for free cancellation assistance. Marketing Communications: You can opt out of marketing messages through app settings or by contacting support. Data Processing: By using Kredit724, you consent to data processing as described in this policy.

In the unlikely event of a data breach: • We will notify affected users within 72 hours • We will inform regulatory authorities as required • We will provide details of the breach and data affected • We will explain steps taken to address the breach • We will offer guidance on protecting yourself We continuously monitor our systems to prevent and detect any unauthorized access.

Kredit724 does not: • Provide services to individuals under 18 years of age • Knowingly collect data from minors • Process loan applications from minors If we discover we have collected data from a minor, we will immediately delete all associated data and close any related accounts.