Privacy Policy

Last updated: April 15, 2026

TABLE OF CONTENTS

1. Introduction
2. Information We Collect
3. How We Use Your Information
4. Information Sharing with Lenders
5. Data Security
6. Your Rights (DPDP Act 2023)
7. Data Retention
8. Cookies and Tracking
9. Children's Privacy
10. Credit Bureau Consent
11. Third Party Links
12. Changes to This Policy
13. Grievance Redressal
14. Contact Us

1. Introduction

MatchMyCredit is a loan aggregator platform that connects borrowers with RBI-licensed lenders. We are NOT a lender. We do not disburse loans. We help users compare loan offers from verified lending partners.

By using the MatchMyCredit platform, you agree to the collection and use of your information in accordance with this Privacy Policy.

2. Information We Collect

• Personal Information: Full name, date of birth, gender, email address, mobile number.
• Financial Information: Monthly income, employment details, loan amount requested, loan purpose.
• Identity Documents: PAN number (masked — last 4 digits only stored). Aadhaar number is NOT stored — used only for verification and immediately deleted after KYC.
• Credit Information: Credit score (fetched with your explicit consent from credit bureaus).
• Device Information: Device type, IP address, browser type (for fraud prevention only).
• Usage Data: Pages visited, buttons clicked, time spent (for app improvement).

3. How We Use Your Information

• To match you with eligible lenders based on your profile.
• To generate personalised loan offers.
• To verify your identity (KYC).
• To communicate loan application status updates.
• To prevent fraud and ensure platform security.
• To comply with legal and regulatory requirements.
• To improve our platform and user experience.

✅ We do NOT sell your personal data to third parties.

✅ We do NOT use your data for unsolicited advertising.

4. Information Sharing with Lenders

When you click "Apply" on a lender offer:

• We share your loan application details with that specific lender only.
• Data shared includes: name, contact details, income, employment, loan requirement.
• Aadhaar number is NEVER shared with lenders.
• Each lender you apply to has their own privacy policy governing how they use your data.
• We only share data with RBI-licensed lending partners.

5. Data Security

• All data transmitted using 256-bit SSL/TLS encryption.
• Sensitive fields (income, DOB) encrypted at rest using AES-256.
• PAN numbers stored in masked format only (ABCDE****F).
• Aadhaar numbers are NOT stored in our database.
• Regular security audits conducted.
• Access to user data restricted to authorised personnel only.
• We comply with India's Digital Personal Data Protection Act, 2023 (DPDP Act).

6. Your Rights (DPDP Act 2023)

Under India's Digital Personal Data Protection Act 2023, you have the right to:

• Access your personal data we hold.
• Correct inaccurate personal data.
• Request deletion of your personal data ("Right to be Forgotten").
• Withdraw consent at any time.
• Nominate a person to exercise rights on your behalf.
• File a complaint with the Data Protection Board of India.

To exercise any of these rights, email us at support@matchmycredit.in with subject "Data Request - [Your Name]". We will respond within 30 days.

7. Data Retention

• Active user accounts: Data retained while account is active.
• Loan application data: Retained for 3 years (regulatory requirement).
• KYC documents: Deleted immediately after verification.
• Aadhaar data: Never stored, deleted in real-time.
• Inactive accounts: Data deleted after 2 years of inactivity.
• You can request deletion at any time (subject to legal retention requirements).

8. Cookies and Tracking

• We use essential cookies for login sessions.
• Analytics cookies to understand app usage (can be opted out).
• No advertising or tracking cookies.
• No third-party advertising networks.

9. Children's Privacy

MatchMyCredit is strictly for users aged 18 and above. We do not knowingly collect data from minors. If you believe a minor has provided us data, contact us immediately at support@matchmycredit.in.

10. Credit Bureau Consent

When you use our eligibility checker, you explicitly consent to:

• One-time credit bureau inquiry (CIBIL/Experian).
• This may appear as a "soft inquiry" on your credit report.
• This does NOT negatively impact your credit score.
• Bureau data is used solely for loan matching and deleted after 90 days.

11. Third Party Links

Our app contains links to lender websites and apps. Once you leave MatchMyCredit, their privacy policies apply. We are not responsible for their data practices.

12. Changes to This Policy

We may update this policy periodically. We will notify you via:

• In-app notification for significant changes.
• Email notification to registered users.
• Updated "Last Modified" date at top of this page.

Continued use of the app after changes constitutes acceptance.

13. Grievance Redressal

To raise a service concern or privacy grievance, review our Grievance Redressal page or email support@matchmycredit.in.

14. Contact Us

MatchMyCredit
Email: support@matchmycredit.in