Privacy Policy

Hello Credit, operated by AMR Finance Private Limited, acts as a technology platform and Direct Sales Associate (DSA). We are not a lender and do not provide loans directly. We connect users with RBI-registered lenders based on their credit profile.

AMR Finance Private Limited ("AMR Finance", "we", "us", or "our") operates the website www.hellocredit.in ("Hello Credit" or "Website"). This Privacy Policy explains how we collect, use, share, store, and protect your personal information when you use our services.

By accessing or using our website, you consent to the practices described in this Privacy Policy.

1.1 Personal Information

We may collect the following personal data:

• Full name
• Email address
• Phone number
• Date of birth
• Aadhaar / PAN details (for verification purposes)
• Bank details (only for loan processing)
• Employment and income details
• CIBIL score and credit report

1.2 Automatic Information

We automatically collect certain technical information, including:

• IP address
• Browser and device information
• Cookies and tracking data
• Location data (if enabled on your device)

1.3 Information from Third Parties

We may receive information from:

• Credit bureaus (e.g., CIBIL, Experian)
• Banks, NBFCs, and financial institutions
• Government agencies for identity verification

We use your information for the following purposes:

• Credit score analysis and loan eligibility assessment
• Loan processing and lender matching
• Customer support and service communication
• Marketing and promotional communication (subject to opt-out rights)
• Fraud prevention and security monitoring
• Compliance with legal and regulatory requirements

Important: We do not sell or rent your personal information.

3.1 Financial Institutions

We share your information with RBI-registered Banks and NBFCs to facilitate loan applications. As a Direct Sales Associate, we act as an intermediary between you and the lender.

Shared data may include:

• Information required for loan eligibility checks
• Credit bureau reports and verification details

3.2 Service Providers

We may share limited data with trusted service providers for:

• Website hosting and maintenance
• Customer support tools
• Email and SMS communication services
• Analytics and marketing

3.3 Legal Requirements

We may disclose your information if required by law, court order, or government regulation, or to protect our rights and property.

We implement industry-standard security measures to protect your data, including:

• Encryption of sensitive data (SSL/TLS)
• Secure servers and firewalls
• Access controls and authentication protocols
• Regular security audits

However, no method of transmission over the internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

We use cookies to enhance your experience, analyze website traffic, and personalize content. You can control cookie preferences through your browser settings.

You have the right to:

• Access your personal information
• Request correction of inaccurate data
• Request deletion of your data (subject to legal retention requirements)
• Opt-out of marketing communications

If you have any questions about this Privacy Policy, please contact us at: