Privacy Policy

Welcome to FriendsKredit ("we", "our", "us"). We operate friendskredit.com and provide a DSA (Direct Selling Agent) platform that connects loan agents and financial consultants with banks and NBFCs across India.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, register as a DSA partner, or use any of our services. By using our platform, you agree to the practices described in this policy.

We collect the following types of information when you use our platform:

• Personal Information: Full name, email address, phone number, PAN card number, and other details you provide during registration.
• Account Information: Username, hashed password, DSA ID, and account preferences.
• Business Information: Bank account details, IFSC code, UPI ID for commission payouts.
• Customer Data: Information about loan applicants you submit through our platform (with their consent).
• Usage Data: IP address, browser type, device information, pages visited, and time spent on our site.
• Cookies & Session Data: To keep you logged in and improve your experience.

We use the information we collect for the following purposes:

• To create and manage your DSA partner account.
• To process loan applications submitted through our platform.
• To calculate, track, and pay your commissions accurately.
• To send you updates about your applications, payouts, and account.
• To communicate with you via email, SMS, WhatsApp, or phone.
• To improve our website, services, and user experience.
• To comply with legal obligations and prevent fraudulent activity.
• To send promotional offers and updates (you can opt out anytime).

We do not sell, rent, or trade your personal information with third parties. However, we may share your data in the following cases:

• With Banks & NBFCs: To process loan applications, relevant customer data is shared with our partner banks and NBFCs.
• With Service Providers: Trusted third parties who help us operate our platform (hosting, email, analytics).
• For Legal Compliance: When required by law, court order, or government authority.
• Business Transfers: In case of merger, acquisition, or sale of assets, your data may be transferred.
• With Your Consent: Any other sharing will be done only with your explicit permission.

We take the security of your data seriously. We use industry-standard measures to protect your information:

• SSL/TLS encryption for all data transmission.
• Hashed passwords (never stored in plain text).
• Secure servers with firewall protection.
• Regular security audits and monitoring.
• Restricted access to personal data on a need-to-know basis.

We use cookies and similar technologies to enhance your experience on our platform. Cookies help us:

• Keep you logged in during your session.
• Remember your preferences and settings.
• Understand how you use our website.
• Improve our services and user experience.

You can control cookies through your browser settings. However, disabling cookies may affect some features of our platform.

As a user of FriendsKredit, you have the following rights:

• Right to Access: Request a copy of the personal data we hold about you.
• Right to Correction: Request correction of inaccurate or incomplete data.
• Right to Deletion: Request deletion of your account and personal data.
• Right to Withdraw Consent: Opt out of marketing communications at any time.
• Right to Data Portability: Request your data in a portable format.
• Right to Object: Object to certain types of data processing.

To exercise any of these rights, please contact us at support@friendskredit.com.

We retain your personal information for as long as your account is active or as needed to provide you with our services. We may also retain certain data as required by law or for legitimate business purposes, such as:

• To comply with legal and regulatory obligations.
• To resolve disputes and enforce agreements.
• To maintain accurate business and financial records.
• To prevent fraud and abuse.

When your data is no longer needed, we securely delete or anonymize it.

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected data from a minor, please contact us immediately and we will take steps to delete it.

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we make significant changes, we will:

• Update the "Last Updated" date at the top of this page.
• Notify you via email or through a prominent notice on our website.
• Give you the opportunity to review the changes before they take effect.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us: