Mani Credit ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and safeguard your information when you use our Platform (website/app), services, or interact with our Partners/Lenders. By accessing our Platform, you consent to this policy.

Information Collected:

Personal Information: Name, phone number, email address, residential address.
Financial Information: PAN, Aadhaar (masked), income details, bank statements.
Technical Information: IP address, browser type, device information.

Purpose of Collection:

Information is collected solely to facilitate loan applications, verify identity, communicate service updates, and comply with applicable legal and regulatory requirements.

Data Sharing:

Information may be shared with partner banks/NBFCs, service providers, and regulatory authorities where required by law. We do not sell personal data to third parties.

Marketing Communication:

By submitting information, Users consent to receiving communications via SMS, WhatsApp, email, and phone calls, including promotional messages, even if registered under DND/DNC.

Data Security:

Reasonable administrative, technical, and physical safeguards are implemented to protect personal data. However, no system can guarantee absolute security.

Data Retention:

Information is retained only for as long as necessary to fulfill the purpose of collection or as required under applicable laws or lender policies.

User Rights:

Users may request access, correction, or withdrawal of marketing consent by contacting us using the details provided in this document.

Grievance Redressal:

Nodal Grievance Redressal Officer: Praful Das

Address: 3B, NETAJI SUBHASH ROAD, 5TH FLOOR KOLKATA WB IN 700001

Email: Praful.das@mani-credit.com

Response Time: 7–15 days.

Governing Law:

This policy is governed by Indian law, including the IT Act, 2000, and RBI guidelines.

By using Mani Credit's services, you agree to this Privacy Policy.