Privacy Policy

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, and protect your personal information when you use our services.

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

1. Information We Collect

1.1 Personal Information

• Name
• Email Address
• Phone Number
• Date of Birth
• Aadhaar / PAN Details (for verification purposes)
• Bank Details (only for loan processing)
• Employment & Income Details
• CIBIL Score & Credit Report

1.2 Automatic Information

• IP Address
• Browser & Device Information
• Cookies & Tracking Data
• Location Data (if enabled)

1.3 Information from Third Parties

• Credit bureaus (e.g., CIBIL, Experian)
• Financial institutions & loan providers
• Government agencies for identity verification

2. How We Use Your Information

• Credit Score & Loan Analysis
• Customer Support
• Loan Processing
• Marketing & Promotions
• Fraud Prevention & Security
• Legal Compliance

Note: We DO NOT sell or rent your personal information.

3. How We Share Your Information

3.1 Financial Institutions

• Banks, NBFCs, and financial service providers
• Credit bureaus for credit reports

3.2 Service Providers

• Data storage & hosting
• Payment processing
• Fraud detection & verification

3.3 Legal & Compliance

We may disclose your information if required by law enforcement agencies or government authorities.

4. Data Security

• SSL/TLS encryption
• Restricted access to sensitive data
• Regular security audits & monitoring

5. Cookies & Tracking Technologies

We use cookies to improve user experience. You can manage cookie preferences in your browser settings.

6. Third-Party Links

Our site may contain external links. We are not responsible for the content or privacy practices of these sites.

7. Data Retention & Deletion

We retain personal data as long as necessary. You may request data deletion by contacting: contact@hellocredit.in.

8. Your Rights

You have the right to access, correct, delete, or object to processing of your personal data.

9. Children's Privacy

Our services are not intended for children under 18. We do not knowingly collect their data.

10. Refund Policy

Refunds are governed by specific service terms. Please contact support for refund queries.

11. Policy Changes

We may update this policy from time to time. Check this page periodically for changes.

12. Contact Information

For questions or concerns, email us at: contact@hellocredit.in