Privacy Policy

By accessing or using our website or services, you agree to the collection and use of information in accordance with this Privacy Policy.

2. Scope

This Privacy Policy applies to all users who:

• Visit our website.
• Register for our services.
• Purchase any CREDIT BUILDER products or services.
• Submit documents for credit report review or dispute resolution.
• Contact our customer support team.
• Participate in surveys, promotions, or marketing campaigns.

3. Information We Collect

We may collect the following categories of information:

A. Personal Information

• Full Name
• Date of Birth
• Mobile Number
• Email Address
• Residential Address
• PAN Number
• Aadhaar Number (where legally required)
• Passport, Driving Licence, or Voter ID (if required)
• Occupation and Employment Details

B. Financial Information

• Credit Reports
• Credit Scores
• Loan Details
• Credit Card Information
• EMI Information
• Banking Information (only where required)
• Income Details
• Financial Documents submitted by you

C. Technical Information

• IP Address
• Browser Type
• Device Information
• Operating System
• Website Usage
• Cookies
• Log Files

D. Communication Records

• Emails
• Phone Calls
• WhatsApp Conversations
• Chat Messages
• Customer Support Requests

4. Purpose of Data Collection

Your information is collected for purposes including:

• Credit report analysis
• Credit dispute resolution assistance
• Credit score improvement services
• Identity verification (KYC)
• Processing payments
• Customer support
• Fraud prevention
• Compliance with applicable laws
• Service improvement
• Internal analytics
• Marketing communications (where consent has been provided)

5. Legal Basis of Processing

We process your information based on:

• Your consent.
• Performance of our service agreement.
• Compliance with applicable legal obligations.
• Legitimate business interests.
• Fraud prevention and security.

6. Data Sharing

Your information may be shared only when necessary with:

• Credit Information Companies (Credit Bureaus)
• Banks and NBFCs
• Payment Gateway Providers
• KYC Verification Partners
• Technology Service Providers
• Legal or Regulatory Authorities
• Government Departments where required by law

All third parties are expected to maintain appropriate confidentiality and security standards.

7. Data Security

We implement commercially reasonable technical and organizational safeguards, including:

• SSL Encryption
• Secure Servers
• Access Controls
• Password Protection
• Data Encryption
• Firewalls
• Employee Confidentiality Agreements
• Regular Security Reviews

While we strive to protect your information, no method of internet transmission or electronic storage is completely secure.

8. Data Retention

We retain personal information only for as long as necessary to:

• Deliver our services.
• Meet legal and regulatory obligations.
• Resolve disputes.
• Prevent fraud.
• Enforce our agreements.

After the applicable retention period, data is securely deleted or anonymized.

9. Your Rights

Subject to applicable law, you may:

• Access your personal information.
• Request correction of inaccurate information.
• Request deletion of your information where legally permissible.
• Withdraw consent for future processing.
• Request a copy of your personal data.
• Opt out of promotional communications.

Requests may be sent to info@profileindia.com or customersupport@profileindia.com.

10. Cookies

Our website uses cookies and similar technologies to:

• Improve website functionality.
• Remember user preferences.
• Analyze website traffic.
• Enhance user experience.
• Improve website security.

You may disable cookies through your browser settings; however, some website features may not function properly. See our full Cookie Policy for details.

11. Third-Party Services

Our website may integrate with third-party services including:

• Payment Gateway Providers
• Credit Information Companies
• SMS & OTP Providers
• Email Service Providers
• Analytics Providers
• Cloud Hosting Providers

These third parties maintain their own privacy policies.

12. Children's Privacy

Our services are intended only for individuals aged 18 years or older. We do not knowingly collect personal information from minors.

13. Grievance Officer

If you have questions or complaints regarding this Privacy Policy or your personal information, please contact:

We aim to acknowledge complaints within 48 hours and resolve them within 30 days, subject to applicable law.

14. Governing Law

This Privacy Policy shall be governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the competent courts located in Haldwani, Nainital, Uttarakhand, India.

15. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. Any revisions will be published on this page along with the updated Effective Date and Last Updated date. Continued use of our services after changes become effective constitutes acceptance of the revised Privacy Policy.