Privacy Policy

Last updated: April 2026

This Privacy Policy describes how FLUXCAP SOFTWARE PRIVATE LIMITED ("EasyCred", "we", "us", or "our"), operating the platform available at www.easycred.co.in, collects, uses, stores, and protects your personal information. By accessing or using our services, you consent to the practices described in this policy.

1. Information We Collect

We collect the following categories of information:

  • Personal Identification Information: Name, date of birth, PAN number, Aadhaar number (with consent), email address, phone number, and residential address.
  • Financial Information: Income details, employment information, bank account details, credit score, and existing loan obligations as required for loan eligibility assessment.
  • Device & Usage Information: IP address, browser type, device identifiers, pages visited, and interaction patterns to improve our services.
  • KYC Documents: Government-issued identity documents, address proof, and income proof as required by our lending partners and RBI guidelines.

2. How We Use Your Information

Your information is used for the following purposes:

  • To assess loan eligibility and match you with appropriate lending partners.
  • To facilitate the loan application and disbursement process.
  • To verify your identity in compliance with KYC/AML regulations mandated by the Reserve Bank of India (RBI).
  • To communicate with you about your applications, offers, and service updates.
  • To improve our AI-powered credit assessment algorithms and user experience.
  • To comply with applicable laws, regulations, and legal processes.

3. Information Sharing & Disclosure

We share your personal information only in the following circumstances:

  • Lending Partners: We share your information with our NBFC and bank partners (such as FIBE, OLYV, ZYPE, InCred Finance, Bajaj Finserv, and others) solely for the purpose of processing your loan application.
  • Credit Bureaus: We may share or access your credit information through authorised credit bureaus (CIBIL, Experian, Equifax, CRIF High Mark) with your explicit consent.
  • Legal Compliance: We may disclose information when required by law, regulation, or court order, or in response to requests from government authorities including CERT-In.
  • Service Providers: We engage third-party service providers for hosting, analytics, and communication services who are bound by strict confidentiality obligations.

4. Data Storage & Security

Your data is stored on secure servers within India in compliance with RBI data localisation requirements. We employ industry-standard security measures including AES-256 encryption at rest, TLS 1.3 encryption in transit, and regular security audits. Access to personal data is restricted to authorised personnel on a need-to-know basis.

5. Data Retention

We retain your personal data for as long as necessary to fulfil the purposes outlined in this policy, or as required by applicable laws. Loan application data is retained for a minimum of 8 years in accordance with RBI guidelines on record-keeping. You may request deletion of non-mandatory data by contacting us.

6. Your Rights

Under applicable Indian data protection laws, you have the right to:

  • Access and review the personal data we hold about you.
  • Request correction of inaccurate or incomplete data.
  • Withdraw consent for data processing (where consent is the legal basis).
  • Request deletion of your data, subject to legal retention requirements.
  • Lodge a complaint with the relevant data protection authority.

7. Cookies & Tracking

We use cookies and similar tracking technologies to enhance your browsing experience. For detailed information, please refer to our Cookie Policy.

8. Third-Party Links

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically. Continued use of our services after changes constitutes acceptance of the revised policy.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:

  • Company: FLUXCAP SOFTWARE PRIVATE LIMITED
  • Address: STPI, Incubation Center 6, Patliputra, Patna, Bihar
  • Email: compliance@easycred.co.in
  • Grievance Officer: Available upon request at the above email address.