Privacy Policy

Hello Credit (AMR Finance Private Limited) acts as a technology platform and Direct Sales Associate (DSA). We are not a lender and do not provide loans directly. We connect you with RBI-registered lenders based on your credit profile.

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.

1.1 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

• 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.

3.1 Financial Institutions

We share your data with RBI-registered Banks and NBFCs to facilitate your loan application. As a Direct Sales Associate (DSA), we act as a bridge between you and the lender. A full list of our lending partners can be found here.

• 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.

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

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

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

We retain your personal information for a period of 5 years as required by financial regulations to maintain transaction records. If you do not proceed with a loan application, we may retain basic contact data for 12 months for marketing purposes, subject to your opt-out rights.

You may request data deletion by contacting: hey@hellocredit.in.

We do not store your full credit report permanently. Data retrieved from credit bureaus (like TransUnion) is used strictly for the purpose of generating your credit score and matching you with potential lenders. We do not sell your sensitive personal data to unrelated third parties.

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

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

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

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

Grievance Officer Details:

• Name: Jayaprasad
• Designation: Grievance Officer
• Address: #30, Bharat House, Building Co-Op Society, BTM Rashtrakavi Kuvempu Nagara, 2ndStage, BTM Layout, Bangalore, Karnataka, India, 560076
• Email: contact@amrfinance.in
• Phone: 9035306999

We will acknowledge your grievance within 24 hours and resolve it within the timeframe stipulated.

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

Address: #30, Bharat House, Building Co-Op Society, BTM Rashtrakavi Kuvempu Nagara, 2ndStage, BTM Layout, Bangalore, Karnataka, India, 560076