At Kredit Station, we value the privacy of every individual who uses our platform, engages with our services, or shares personal data with us for the purpose of loan assistance, documentation support, or lender matchmaking

This Privacy Policy outlines how we collect, use, protect, store, and disclose the information you provide to us. By using our website, WhatsApp service, or any of our advisory offerings, you consent to the practices described in this policy.​

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1. About Kredit Station

Kredit Station is a private loan consultancy and documentation support platform based in Jaipur, Rajasthan. We assist individuals and small business owners with

• Project & CRM report creation

• MSME/Udyam registration assistance

• Lender matchmaking (based on documentation and borrower profile)

We are not a bank, NBFC, or financial institution. We do not disburse loans, collect EMIs, or process monetary transactions between lenders and borrowers.

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2.Information We Collect

To provide you with our services, we may collect the following categories of personal and financial information

Personal Identification Data

• Full name

• Date of birth

• Aadhaar number

• PAN number

• Phone number

• Email address

• Current residential address

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Financial Details:

• Bank statements

• Salary slips or income declaration

• Business documents (if applicable)

• Past loan or EMI history

• Purpose of loan and amount required

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Digital Data:

• Device information

• IP address

• Location access (if permitted during browsing)

• WhatsApp communication history with our support team

We only collect data that is relevant, necessary, and voluntarily shared by you to enable us to offer you better services

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3. How We Use Your Information

Your data is used for the following purposes:

• To assess your eligibility for documentation and lender matchmaking

• To prepare personalized Project Reports and CRM Risk Reports

• To help register your business under MSME/Udyam (if applicable)

• To communicate with you through WhatsApp, email, or calls

• To resolve disputes, handle queries, and ensure compliance

• To comply with applicable Indian laws

We do not use your data for marketing, resale, or irrelevant third-party sharing.

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4. How We Share Your Information

We may share your data with third-party private lenders only after you give explicit consent, and only for the purpose of evaluating your loan eligibility.

We do not share your data with any financial agent, credit bureau, bank, app, or unrelated thirdparty without your prior knowledge and written consent

We may share limited information with:

• Government platforms (only for MSME registration, if opted)

• Our in-house consultants (for file preparation)

• Law enforcement or regulatory bodies, only when required by law

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5. How We Protect Your Data

We have implemented multiple layers of security to safeguard your information

• Secure storage systems (password-protected and access-restricted)

• Encrypted backup of critical data

• WhatsApp support access is limited to trained and monitored staf

• Consent-based sharing only — we never forward files without permission

• Internal privacy SOP followed by all team members and partners

Despite our best efforts, no system is 100% immune to cyber threats. By using our services, you acknowledge the risks inherent to digital transactions and agree not to hold Kredit Station liable for data theft caused by external cybercrime

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6. Data Retention and Deletion

• We retain your documents and reports only as long as necessary for your service delivery or as required by law.

• You may request deletion of your stored data after your case is closed by writing to support@kreditstation.com

• Upon receiving your request, your data will be removed from our systems within 7 business days, unless retention is required for legal, regulatory, or audit-related purposes.

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7. Your Rights

Under Indian law, you have the following rights

• Right to access your own data

• Right to correct any errors or outdated information

• Right to withdraw consent at any time

• Right to request deletion after service delivery

• Right to restrict how your data is used (within legal limits)​

To exercise these rights, please contact our support or legal team.

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8. Children’s Privacy

Kredit Station does not knowingly collect data from individuals below 18 years of age. Our services are intended only for adults legally eligible to apply for loans or run a business.

If you believe your child has provided us information in error, please contact us immediately for deletion.​​

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9. Changes to This Policy

We may update this Privacy Policy from time to time. The revised version will be posted on our website with the “Last Updated” date mentioned at the top. Continued use of our services after an update implies your acceptance of the revised terms.​

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10. Governing Law

This Privacy Policy is governed by and interpreted in accordance with the laws of India. Any dispute arising from the interpretation or execution of this policy shall fall under the jurisdiction of courts in Jaipur, Rajasthan.

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11. Contact & Grievance Redressal

If you have any questions, concerns, or requests related to your privacy or personal data, please reach out to us at:

privacy@kreditstation.com

+91 [+91 9256833284]

Office: [Royal Ln. Mesa, New Jersey 45463]

Response Time: 3–5 working days

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You may also request a copy of your data or raise concerns with India’s data protection authorities if unsatisfied with our internal redressal