Privacy Policy | Orangecred

Privacy Policy

Effective Date: 21 July 2025

Orangecred Financial Services Private Limited (“Orangecred”, “we”, “us”, or “our”) is committed to protecting the privacy and personal data of our users (“you”, “your”). This Privacy Policy outlines the types of information we collect, how it is used, and the steps we take to protect it.

1. Information We Collect

  • Personal Information: Name, email address, mobile number, PAN, Aadhaar, address, date of birth, employment details, income information, and bank account details.
  • KYC Information: As required under RBI and SEBI norms, including scanned documents and eKYC data.
  • Device & Technical Information: IP address, device ID, browser type, location data, and cookies.
  • Usage Data: How you interact with our website, services, or customer support.

2. How We Use Your Information

  • To evaluate your loan eligibility and process your loan application.
  • To comply with legal and regulatory requirements (KYC, AML, creditworthiness checks, etc.).
  • To communicate with you via SMS, email, phone or WhatsApp regarding your application or offers.
  • To improve our website, customer service and offerings based on usage trends.
  • To send transactional, promotional and informational communications with your consent.

3. Sharing of Information

We may share your information with:

  • Authorized banks, NBFCs, and financial institutions for loan processing.
  • Credit bureaus such as CIBIL, Experian, CRIF, and Equifax.
  • Regulatory authorities if required under law or investigation.
  • Third-party service providers under strict confidentiality obligations for technical, legal, or customer service support.

4. Data Retention

Your data is retained as long as it is required for the purposes mentioned or required by applicable law, whichever is longer. Post-retention, your data is deleted or anonymized securely.

5. Cookies and Tracking

We use cookies to enhance your user experience. You can manage or disable cookies in your browser settings, but this may limit site functionality.

6. Security Measures

We implement industry-standard security protocols including encryption, firewalls, and access controls to protect your information. However, no system can be 100% secure and we cannot guarantee absolute data security.

7. Your Rights

  • Access and review your personal data.
  • Request correction or deletion of your personal data.
  • Withdraw consent for processing your data (may affect service availability).

To exercise these rights, please email us at kiran.waghmare@orangecred.in.

8. Grievance Redressal

If you have any complaints regarding your personal data or this policy, please contact our Grievance Officer:

Name: Kiran Waghmare
Email: kiran.waghmare@orangecred.in
Phone: +91 98236 73547
Address: Plot No. 7, Ramkrushna Nagar, Dighori Umred Road, Mhalgi Nagar, Nagpur – 440034

9. Updates to This Policy

We may update this policy from time to time. Any material changes will be communicated on our website or via email. Continued use of our services constitutes your consent to the updated policy.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at info@orangecred.in.

© 2025 Orangecred Financial Services Private Limited