This Privacy Policy governs your use of the KreditBook mobile application ("App") and website at https://kreditbooks.com/ ("Service"), operated by HBT Creations Pvt Ltd. Our App provides personal loan services in compliance with India’s Reserve Bank of India (RBI) regulations and Google Play’s User Data and Personal Loans policies. "We", "Us", or "Our" refers to HBT Creations Pvt Ltd, and "You", "Your", or "User" refers to you. "Personal Information" means data identifying you, such as name, email, or phone number.
We use reasonable security practices to protect your Personal Information, aligned with industry standards. Due to internet vulnerabilities, we cannot guarantee absolute security, but we strive to exceed norms. By using the Service, you consent to the collection, use, and sharing of your Personal Information as described below. If you disagree, please do not use the Service.
Our Terms and Conditions and Refund and Cancellation Policy are integral to your use of the Service and should be read alongside this Privacy Policy.
We collect Personal Information to provide and enhance our loan services. If you provide third-party account credentials, you authorize their transmission to your account, covered by this Privacy Policy. Choosing not to provide certain information may limit access to features.
We use Personal Information to enable loan services, ensure safety, customize experiences, send updates, detect fraud, process payments, and comply with laws. New uses require your consent.
To use our loan services, you may create an account, providing:
Prominent Disclosure: KreditBook collects location data to help you find the nearest shop, even when the App is closed or not in use. Photos are accessed via the Android photo picker for document uploads during loan applications.
We use your email for updates or newsletters (if subscribed; unsubscribe via email links). Phone numbers are used for transaction/SMS alerts (opt out by emailing support@kreditbooks.com). Your Personal Information is not sold or made public.
Payment information is shared with businesses only if you choose to share it. We are not liable for misuse by those businesses.
You may request deletion of your Personal Information via the App’s settings or by emailing support@kreditbooks.com. We will delete your data unless required by law (e.g., RBI regulations) or for ongoing services. Account deletion may prevent access to loan services.
If you provide feedback or complaints, we store your Personal Information to respond effectively.
We collect usage data (e.g., searches, pages viewed, IP address, browser type, location, timestamps) to administer the Service, enhance security, and analyze trends in aggregate (non-identifiable).
We use cookies and web beacons:
Disable cookies in your browser to opt out, but this may affect functionality. Third parties may collect anonymous data for analytics/ads. See TermsFeed for details.
We use your Personal Information to enforce our Terms and Conditions and Privacy Policy, including fraud detection.
We share Personal Information with:
Aggregate, non-identifiable data may be shared with advertisers.
Third-party links on our Service have their own privacy policies. We are not responsible for their practices.
We use industry-standard encryption (e.g., HTTPS) and limit access to authorized personnel. No internet transmission is 100% secure. Contact support@kreditbooks.com for security queries.
KreditBook complies with RBI regulations, disclosing the maximum Annual Percentage Rate (APR) as required by law (e.g., Truth in Lending Act for U.S. users, if applicable). Contact support@kreditbooks.com for details.
For questions, complaints, or data deletion requests, contact our Grievance Officer:
Website: https://kreditbooks.com/
Email: support@kreditbooks.com