Privacy Policy

Effective date: May 18, 2026

This Privacy Policy explains how EAZEFIN (PRIVATE) LIMITED ("Company", "we", "our" or "us") collects, uses, stores, shares and protects information when you use the Lets Credit mobile application, website, and related loan services (together, the "Platform").

By accessing or using the Platform, you agree to this Privacy Policy. If you do not agree, please do not use the Platform or submit a loan application.

1. Information We Collect

We collect only information that is reasonably required to provide account registration, identity verification, loan application, loan management, repayment, support, fraud prevention, and legal compliance services.

• Account and contact information: mobile phone number, OTP verification status, email address, and account login information.
• Identity and KYC information: full name, date of birth, gender, National Identity Card or other identity document details, document photos, selfie or face verification images that you choose to capture and submit.
• Profile and application information: education, marital status, residential address, work information, income source, employer details, requested loan amount, loan tenure, application status, and repayment status.
• Bank and payment information: bank name, branch, bank account number, repayment receipt images, and repayment transaction records that you provide or generate through the Platform.
• Personal reference information: names, phone numbers, and relationship information for references that you manually enter. We do not access your device address book.
• App security and technical information: app version, system language, Android system version, IP address, server request logs, and an app-generated random identifier used for session security and fraud prevention.
• Support communications: messages, emails, complaints, feedback, or documents that you send to customer support.

2. Camera Permission

Lets Credit requests camera permission only when you choose to capture identity verification images, KYC documents, selfie images, or repayment receipt images. The app does not record audio, does not record calls, and does not use the microphone.

3. Information We Do Not Collect

To protect user privacy and comply with Google Play policy, we do not collect, read, upload, share, or process the following categories from your device:

• SMS or financial SMS messages.
• Call logs, call recordings, or phone call content.
• Device contacts or address book data.
• Installed application lists or package metadata.
• Precise location, approximate location, GPS, cell tower, or Wi-Fi based location.
• Microphone recordings, voice calls, or background audio.
• External storage files outside the images/documents you intentionally submit.
• Hardware or persistent device identifiers such as IMEI, serial number, Android ID, SIM identifiers, Wi-Fi MAC address, or advertising ID.

4. How We Use Information

We use the information described in this Policy for the following purposes:

• To create and secure your account.
• To verify your identity and eligibility.
• To process, review, approve, reject, disburse, manage, and collect loan applications.
• To send OTPs, service messages, repayment reminders, application status updates, and support responses.
• To detect, prevent, and investigate fraud, misuse, unauthorized access, and security incidents.
• To comply with applicable laws, regulatory obligations, audits, dispute resolution, and lawful requests.
• To maintain, debug, protect, and improve the Platform.

5. Legal Basis and Consent

We process your information when it is necessary to provide requested services, perform a contract with you, comply with legal obligations, protect our legitimate interests such as fraud prevention and security, or when you have provided consent. You may choose not to provide required information, but this may prevent us from providing some or all services.

6. Sharing and Disclosure

We do not sell your personal information. We may share necessary information only with:

• Licensed or regulated financial partners involved in loan assessment, disbursement, servicing, repayment, or collection.
• KYC, payment, cloud hosting, customer support, security, and technology service providers acting on our behalf.
• Government, law enforcement, courts, regulators, or other authorities when required by applicable law.
• Professional advisers, auditors, insurers, or successors in connection with compliance, risk management, merger, acquisition, or corporate restructuring.

Where we use service providers, we require them to process information only for authorized purposes and to protect it with appropriate confidentiality and security controls.

7. Data Storage and Security

We use reasonable administrative, technical, and physical safeguards to protect personal information against unauthorized access, loss, misuse, alteration, and disclosure. Information is transmitted using secure network protocols where supported. No method of transmission or storage is completely secure, but we work to maintain safeguards appropriate to the nature of the information.

8. Data Retention

We retain personal information only for as long as necessary to provide services, manage accounts and loans, resolve disputes, prevent fraud, enforce agreements, and comply with legal, accounting, tax, audit, and regulatory obligations. When information is no longer required, we will delete, anonymize, or securely archive it according to applicable requirements.

9. Your Choices and Rights

Subject to applicable law, you may request to access, correct, update, delete, or withdraw consent for certain personal information.

• You can disable camera permission in your device settings, but KYC capture features may stop working.
• You may contact us to request account deletion or data deletion.
• We may need to retain some information where required for legal compliance, fraud prevention, dispute handling, or loan servicing.

10. Children

The Platform is intended for adults who are legally eligible to apply for financial services. We do not knowingly provide services to children or knowingly collect information from children.

11. Third-Party Links

The Platform may contain links to third-party websites or services. Their privacy practices are governed by their own policies. We are not responsible for the content or privacy practices of third-party websites or services that we do not control.

12. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised effective date. Your continued use of the Platform after an update means that you accept the updated Policy, where permitted by law.

13. Contact Us