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. If you do not agree with any part of this policy, please do not use our services.

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 when required 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

We DO NOT sell or rent your personal information to third parties.

3. How We Share Your Information

3.1 Financial Institutions & Partners

Banks, NBFCs, and financial service providers
Credit bureaus for fetching 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

Encryption (SSL/TLS) for secure transactions
Restricted access to sensitive information
Regular security audits & monitoring

5. Cookies & Tracking Technologies

We use cookies to enhance user experience. You can disable cookies via your browser settings.

6. Third-Party Links

Our website may contain links to third-party sites. We recommend reviewing their privacy policies before providing any information.

7. Data Retention & Deletion

We retain your data as long as necessary. You may request data deletion by contacting us at contact@hellocredit.in.

8. Your Rights & Choices

Access your data
Update or correct your information
Withdraw consent
Request data deletion

9. Children's Privacy

Our services are not intended for individuals under 18 years of age.

10. Refund & Payment Policy

Refunds for failed transactions will be processed within 5-7 business days.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be effective immediately upon posting.

12. Contact Information

Email: hey@hellocredit.in
Address: AMR Finance Private Limited,
2nd Floor, 30, 1st Main Rd, Opp. Gopalan Innovation Mall,
BHCS Layout,BTM 2nd Stage,
BTM Layout, Bengaluru, Karnataka 560076

By using Hello Credit, you confirm that you have read, understood, and agree to this Privacy Policy.