CredLinq respects your privacy. This policy explains what personal information we collect, why we collect it, and how we handle it.
Information we collect
We collect the details you provide via our enquiry forms — name, mobile number, email, city, loan amount and purpose, employment type, monthly take-home pay, the total of your current EMIs and credit-card dues, a credit score range you choose yourself (we don't check your credit report), your contact choices and, if you give one, a separate WhatsApp number. We don't use advertising or tracking cookies. Our hosting and security providers set two short-lived technical cookies that keep the site working and protect it from abuse, and record anonymous page-view and page-speed statistics. Like any website, our servers receive your IP address and browser details when you visit, and our fonts are loaded from Google Fonts. On our enquiry forms we also count anonymous form steps and how you reached us (the referring website, any campaign tags in the link and your first page), using a random ID that lasts only while the tab is open. If you send an enquiry, how you reached our site (the campaign tags in the link, the referring website's domain and your landing page) is stored with your enquiry, but not that random ID, to understand which channels bring enquiries. It is kept and deleted together with your enquiry. To prevent abuse we briefly keep a scrambled form of your IP address for up to an hour.
How we use it
The CredLinq team reviews your enquiry and contacts you only through the methods you tick. We use the details you give to understand your situation, avoid repeat questions and decide which enquiries to follow up first. This internal prioritisation is not a credit decision and is not shared with lenders. If you ticked Email, we may email you a private link to review or add details to your enquiry; the link works once and expires after 14 days. The estimate on our enquiry form is calculated in your browser from illustrative rates and is not an offer. We don't sell your details, and we won't share them with a lender unless you later approve that specific lender.WhatsApp. When you message CredLinq on WhatsApp, we use WhatsApp (provided by Meta) to reply to you. Your messages are processed by Meta and stored by CredLinq for up to 24 months. Reply STOP at any time and we'll stop contacting you.
Your consent and how to withdraw
Enquiry handling requires your agreement. Phone calls, SMS, WhatsApp and email are optional contact methods, and personal loan marketing is a separate optional choice. All boxes start unticked. We will not call or message through a method you haven't ticked, including if your number is registered on DND. If you choose no contact method, we can accept but cannot contact you about your enquiry. Sharing with a lender requires your later approval of a named lender. New-enquiry details, including your contact details, contact choices and marketing flag, are sent to CredLinq's team for review and follow-up by email and by WhatsApp message (WhatsApp is provided by Meta). We record consent choices, the wording version and hash, timestamps, IP address and browser information. You can withdraw all consent, stop marketing or stop specific channels using your mobile number and enquiry reference at the Privacy Centre withdrawal form. Withdrawing doesn't affect anything already done with your permission. Email priya@credlinq.com or use the withdrawal form in the Privacy Centre.
Data retention
Enquiries are retained for up to 24 months for compliance and audit purposes, after which they are permanently deleted.
Your rights
You may request access, correction or deletion of your personal data. To withdraw consent, use the Privacy Centre form. For access, correction or deletion, email priya@credlinq.com.
Security
Data is encrypted in transit (TLS 1.2+) and at rest. Access to personally identifiable information is restricted to authorised personnel on a need-to-know basis.
Contact
To withdraw consent, use the Privacy Centre form. For access, correction or deletion, email priya@credlinq.com.
Grievance contact
Grievance contact: priya@credlinq.com (monitored by the CredLinq team). If you are not satisfied with our response, you may complain to the Data Protection Board of India under the Digital Personal Data Protection Act, 2023.