Last Updated: December 2025

This Privacy Policy explains how Credoshine Financial Services (“Credoshine”, “we”, “our”, “us”) collects, uses, discloses, and protects your information when you use our website and digital services. By using our website, you acknowledge that you have read and accepted this Privacy Policy. For any questions, contact us at: info.credoshine@gmail.com

INFORMATION WE COLLECT
We collect two types of information from users:

Personally Identifiable Information (PII)
This is information you voluntarily provide when interacting with our services, including:

• Name
• Mobile number
• Email address
• City or location
• Financial service preferences
  
  

You may provide this information through:

• Consultation forms
• Loan inquiry forms
• Mutual fund inquiry forms
• Newsletter signups
• Lead forms from advertisements
• WhatsApp or chatbot interactions
• Contact or support forms
  
  

Non-Personal / General Information
Automatically collected while browsing the website, such as:

• Device and browser type
• Pages visited
• Time spent on pages
• Referring URLs
• General usage statistics
  
  

This does not personally identify you.

HOW WE USE YOUR INFORMATION
We use collected information to:

• Provide financial services and consultations
• Respond to inquiries
• Process loan or mutual fund requests
• Send service updates and newsletters
• Improve website performance
• Conduct analytics
• Meet legal and compliance requirements
  
  

We do not sell or rent personal information.

DISCLOSURE OF INFORMATION
We may disclose your information:

• To comply with legal obligations
• To trusted service providers assisting our operations
• If you violate our Terms of Service
• During business transitions such as mergers or restructuring
  
  

All shared information is done with necessary confidentiality protections.

PAYMENT INFORMATION
Payments may be processed through secure, PCI-DSS compliant gateways (such as Razorpay).
Credoshine does not store card details. Payment information is encrypted and only used to complete the transaction.
Refer to the payment processor’s policies for further details.

THIRD-PARTY SERVICES
Third-party partners may collect or use information to provide services such as payments, analytics, communication tools, and lead collection.
Once you leave our website or interact with a third-party service, their privacy policies apply. We encourage reviewing them.

EXTERNAL LINKS
Our website may contain links to other websites. We are not responsible for their privacy practices and recommend reviewing their policies.

SECURITY
We use reasonable security measures to protect your information against unauthorized access, alteration, disclosure, or destruction.
However, no digital transmission is completely secure. We encourage maintaining good personal security practices.

COOKIES AND TRACKING TECHNOLOGIES

We use cookies to enhance user experience. Cookies may track:

• Visit date and time
• Pages viewed
• Browsing duration
• Navigation paths
  
  

This information is collected anonymously for analytics. You can disable cookies through your browser settings.

• YOUR RIGHTS
  Depending on your region, you may request to:
• Access your data
• Correct or delete your data
• Withdraw consent
• Opt-out of marketing
• Request copies of stored data
  
  

POLICY UPDATES
This Privacy Policy may be updated periodically. Changes will be posted with the updated date. Continued use of the website constitutes acceptance of any updates.

For any Privacy Policy concerns:

Email Us : info.credoshine@gmail.com

Call Us : +91-9914982227