Privacy Policy

Last updated: 24 August 2026

This policy explains what ARHAM FINTECH PRIVATE LIMITED (“CreditSaathi”, “we”), CIN U66190GJ2026PTC178246, collects, why, and what control you have. We are the data fiduciary for the personal data described here.

1. What we collect

• Details you give us: name, mobile number, date of birth, PAN, and postal code.
• Credit information: your credit report and score, fetched from licensed credit bureaus with your consent.
• Usage and device data: app events, device identifiers and diagnostic logs, used to run and secure the Service.
• Payment data: handled by our payment partner. We receive a payment reference and status — we never receive or store your card, bank or UPI credentials.
• Loan application data: if you apply for a pre-approved loan, the amount, purpose, tenure, employment and income details you provide, and any documents you upload for that application (salary slip, bank statement, Aadhaar).
• Session analytics: masked screen-interaction data (taps, scrolls, navigation) captured to understand and improve the app. Text and images are masked before this leaves your device — this data does not include what you type or see on screen.

2. Why we collect it

Only to provide the service you asked for: verifying your identity, fetching and explaining your credit report, preparing disputes, sending reminders you enabled, and processing your subscription. We also process data where required to meet legal obligations.

3. Consent

We fetch your credit report only with your explicit, purpose-specific consent, recorded with a timestamp. You can view every consent you have given and revoke it at any time from your profile in the app. Revoking consent stops future processing for that purpose; it does not affect processing already carried out lawfully.

4. How we protect it

Sensitive fields are encrypted at rest, transport is encrypted with TLS, and access is limited to what is needed to operate the Service. We do not sell your personal data. Some features, such as the narrated report, run on your device so that report data does not leave it.

5. Sharing

We share data only with: credit bureaus (to fetch your report, on your consent), our payment provider (to process your subscription), infrastructure and communication providers acting on our instructions, and authorities where required by law. If you apply for a pre-approved loan, we share your application details and documents with our lending partner, FTIPL Payments and Marketing Tech Private Limited (FaircentPro), and its financing partners, so they can process your application — on your consent, recorded when you apply. Masked session-interaction data (see §1) is processed by Microsoft Clarity to help us understand app usage. We do not sell or rent your data to advertisers.

6. Retention

We keep personal data only as long as needed for the purposes above or as required by law, after which it is deleted or anonymised.

7. Your rights

You may access, correct or delete your personal data, withdraw consent, and request the details of processing. You can request account and data deletion at any time from the app or by contacting us. We respond within the timelines required by applicable law.

8. Children

The Service is not directed at anyone under 18 and we do not knowingly collect their data.

9. Changes

We will notify material changes to this policy in the app. The “last updated” date above always reflects the current version.

10. Grievance officer

If you have a privacy concern, contact our grievance officer Yash Mehta at support@arhamfintech.ai, or by post at the registered address on our Contact page. We acknowledge complaints within 24 hours and aim to resolve them within 15 days. If you are not satisfied with our response, you may escalate to the Data Protection Board of India.