Introduction

Incredit Money Limited ('we,' 'our,' or 'Company') is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India as a middle-layer, non-deposit-taking institution under Section 45-IA of the RBI Act, 1934. We provide financial services including gold loans, vehicle financing, and MSME loans through our official website www.increditmoney.in. We are committed to protecting your personal and financial information through robust security measures. By using our services, you consent to the practices outlined in this policy.

Information We Collect

We collect information you provide directly, including:

• Personal details (name, contact information, date of birth)
• KYC documents (PAN, photograph, signature)
• Financial information (bank account details)
• Transaction data and device information
• Aadhaar details (with explicit consent for e-KYC)

Data Protection Principles

We adhere to Indian privacy regulations and implement strict measures to safeguard your information:

• Sensitive data includes passwords, biometric information, and health data
• We obtain explicit consent before collecting sensitive information
• Data collection is limited to legitimate business requirements
• Access is restricted to authorized personnel

Data Security

We employ advanced security protocols including:

• Encrypted storage for biometric and OTP data
• Secure applications for Aadhaar authentication
• Annual security audits
• Certified devices and personnel for sensitive operations

Your Rights and Choices

You have the right to:

• Access and correct your personal information
• Withdraw consent for data processing
• Opt-out of marketing communications
• Request information about data sharing

Data Retention

We retain personal information only as long as necessary for legal, business, or regulatory purposes. Aadhaar authentication logs are maintained for two years and archived for five additional years.

Information Sharing

We may share information with:

• Regulatory authorities (RBI, SEBI, UIDAI)
• Legal and law enforcement agencies
• Credit bureaus and banks
• Auditors and third-party service providers Data sharing occurs only under confidentiality agreements or when legally required.

Contact Information

For privacy-related queries or grievances, please contact: info@increditmoney.in

Policy Updates

We may update this policy periodically. Continued use of our services constitutes acceptance of any revisions. Please check our website regularly for the current policy version. Last updated: 20 October 2025