Privacy Policy

1. Who we are

CredGold is operated by CredGold Solutions Private Limited (CIN U66190UW2026PTC257410), Jagmudi, Post Karahara, Sirsaganj, Shikohabad, Firozabad – 283151, Uttar Pradesh ("we", "us"). We are a loan facilitation platform: we connect customers with our lending partner, an RBI-regulated NBFC. We are not a bank, NBFC or lender, and we never take custody of your gold.

2. What we collect

• Details you enter in our forms: name, mobile number, city, approximate gold weight, loan amount needed and preferred language for the call.
• Your application ID and its status, so you can track your request.
• What you tell us when you call, WhatsApp or email us.
• Technical data: IP address (used to stop spam and abuse), device and browser type, and the pages you visit, collected through cookies (see section 6).

We do not ask for Aadhaar, PAN, bank account details, passwords or OTPs on this website. KYC documents are collected by the lender at its branch, under its own policy.

3. Why we use it

• To call or WhatsApp you about your gold loan request, in the language you chose.
• To pass your request to our lending partner so it can offer and process your loan.
• To show you the status of your application.
• To prevent spam, fraud and misuse of the website.
• To understand how the website is used and whether our advertising works, so we can improve both.
• To meet legal and regulatory requirements.

4. Your consent

We process the details in your application on the basis of the consent you give when you tick the box on the form. You can withdraw consent at any time by writing to arjitsingh@credgold.in. After that we will stop contacting you and stop using your data, except where the law requires us to keep it. Withdrawal does not affect anything done before it.

5. Who we share it with

• Our lending partner, to assess and process your loan. Our advisor tells you the lender's name when they call; its own privacy policy applies once it receives your details.
• Service providers who run the website and our systems for us — hosting (Vercel), email and spreadsheets (Google Workspace) — only to the extent needed, under their data protection terms.
• Analytics and advertising providers (Google, Meta) receive usage data such as pages visited and whether a form was submitted — never your name or mobile number.
• Government, regulators or courts when the law requires it.

We do not sell or rent your personal data to anyone.

6. Cookies and analytics

We may use cookies from Google Analytics, Google Ads and Meta (Facebook / Instagram) to count visits and to measure whether an advertisement led to an enquiry. We also remember your language choice in a cookie. You can block or delete cookies in your browser settings, and manage ad personalisation at adssettings.google.com and in your Facebook ad preferences. The website keeps working without these cookies.

7. Storage, security and retention

Your data is stored with our service providers, whose servers may be located outside India. We use HTTPS encryption, limit access to people who need it and use spam and rate-limit protection on our forms. No system is completely secure, but we work to protect your data and will act promptly on any breach as the law requires.

We keep your data only as long as needed to handle your request and follow up on it, or longer if the law requires. After that it is deleted or anonymised.

8. Your rights

• Get a summary of the personal data we hold about you and who we have shared it with.
• Ask us to correct, complete or update it.
• Ask us to erase it, unless we must keep it by law.
• Withdraw your consent.
• Nominate another person to exercise these rights in case of death or incapacity.
• Raise a grievance with us, and if unresolved, with the Data Protection Board of India.

To use any of these rights, write to arjitsingh@credgold.in from the mobile number or with the application ID you used with us.

9. Grievance officer

• Name: Arjit Singh
• Email: arjitsingh@credgold.in
• Phone: +91 75994 45821
• Address: Jagmudi, Post Karahara, Sirsaganj, Shikohabad, Firozabad – 283151, Uttar Pradesh

We acknowledge complaints within 48 hours and aim to resolve them within 30 days. Complaints about a loan itself (sanction, interest, charges, gold valuation) are handled by the lender under its grievance redressal policy; we will help you reach them.

10. Children

This website is meant for adults. We do not knowingly collect data from anyone under 18.

11. Changes to this policy

We may update this policy. The date at the top shows when it last changed; significant changes will be highlighted on the website.