Arham Fintech Private Limited · Last updated 29 July 2026
This Privacy Policy explains how Arham Fintech Private Limited ("we", "us") collects, uses, shares and protects
your information when you use the CreditSaathi mobile application and related services (the "App").
By using the App you agree to this Policy. We comply with India's Digital Personal Data
Protection Act, 2023 (DPDP Act) and the Reserve Bank of India's Digital Lending guidelines.
1. Information we collect
Identity & contact: your name, mobile number, Permanent Account
Number (PAN), date of birth and PIN code.
Credit information: your credit report and credit score, retrieved from
credit bureaus (such as Experian and, where applicable, TransUnion CIBIL) only with your
explicit consent.
Consent records: the date, time, IP address and reference of each consent
you give, kept as an audit trail as required by regulation.
Device & diagnostic data: app version, device model, operating system,
IP address, and crash/diagnostic information, collected via Google Firebase to keep the App
working and secure.
Install attribution: advertising/installation identifiers via the Facebook
SDK, used only to measure which advertisements led to app installs.
Subscription status: whether you have an active subscription. Payments are
processed by Razorpay; we do not collect or store your card, UPI or bank
credentials.
2. How we use your information
To create and secure your account and log you in (mobile OTP).
To verify your PAN and, with your consent, fetch and display your credit report and score.
To explain your report in your language and generate personalized insights and reminders.
To show you, as a Lending Service Provider (LSP), loan offers from partner lenders that may
suit your profile — you are never obligated to apply.
To send you notifications you have opted into.
To prevent fraud and misuse, and to meet legal and regulatory obligations.
3. Consent
We fetch your credit report only after you give explicit, informed consent. You can view and
withdraw your consent at any time from your profile in the App. Withdrawing
consent stops future bureau fetches; it does not affect processing already completed.
4. How we share your information
We do not sell your personal data. We share it only as follows:
Credit bureaus — to retrieve your credit report at your request.
Lending partners — only if you choose to apply for a loan. As an LSP we
display the lender's name, indicative APR and grievance officer before any
application, per RBI Digital Lending guidelines.
Service providers that process data on our behalf under contract: Google
Firebase (authentication, notifications, diagnostics), Meta/Facebook (install attribution),
Razorpay (payments), and our cloud hosting provider.
Legal & regulatory authorities where required by law.
5. Data security
All traffic is encrypted in transit using TLS. Sensitive fields such as your PAN and date of
birth are encrypted at rest, and access is restricted on a need-to-know basis. On-device features
(such as the narrated video report) process your report data on your phone.
6. Data retention
We keep your information for as long as your account is active and as required to provide the
service and meet legal, regulatory and audit obligations. When you delete your account we delete
or irreversibly anonymize your personal data, except records we are legally required to retain.
7. Your rights
Access and correct your information.
Withdraw bureau-pull consent from your profile at any time.
Raise a grievance with our Grievance Officer (below).
8. Children
CreditSaathi is intended for users aged 18 and above. We do not knowingly collect personal data from
children. If you believe a minor has provided us data, contact us and we will delete it.
9. Grievance Officer (DPDP Act, 2023)
Mr. Rushit K. Mehta (Director)
Email: mrushit711@gmail.com
Phone: 0261-6794000
Arham Fintech Private Limited, 416-417 A, X-Change Plaza, Dalal Street Commercial Tower, Block 53 E, GIFT City, Gandhinagar, Gujarat 382355, India
10. Changes to this Policy
We may update this Policy from time to time. The "Last updated" date above reflects the latest
version. Material changes will be notified in the App.