Privacy Policy

This Privacy Policy describes how Sky Credit ("Company", "We", "Us", or "Our") collects, uses, stores, processes, and protects your personal information when you access or use the Sky Credit mobile application, website, and related services ("Platform").

Sky Credit is not a direct lender and does not provide loans directly. Sky Credit is a digital loan facilitation platform that helps users access personal loan offers from RBI-registered NBFC partners through a fully digital process.

By accessing or using the Platform, you agree to the terms of this Privacy Policy. If you do not agree with this Policy, please do not use the Platform.

This Privacy Policy is prepared in accordance with applicable Indian laws and regulations relating to data protection and privacy.

1. Consent

By registering on or using Sky Credit, you expressly consent to:

• Collection of your personal and financial information
• Processing and verification of your information
• Sharing of data with lending partners, service providers, and regulated entities
• Receiving transactional and promotional communications through SMS, WhatsApp, calls, RCS, push notifications, and email regarding loans and related services

If you do not agree with this Privacy Policy, please discontinue use of the Platform immediately.

2. Information We Collect

To provide lending facilitation and related services, we may collect the following information:

A. Personal Information

• Full name
• Mobile number
• Email address
• Date of birth
• Gender
• Residential and office address
• PAN card details
• Aadhaar details (where legally permitted)
• Selfie/photo for KYC verification
• Signature
• Employment information

B. Financial Information

• Bank account details
• Salary and income details
• Bank statements
• Credit score and repayment history
• Existing loan obligations
• Transaction details

C. Device & Technical Information

• IP address
• Device model
• Device identifiers
• App version

D. Location Information

Sky Credit does not collect or access your location information.

3. Permissions Used by the App

Camera Permission:
Used for video KYC, document uploads, and selfie verification.

Storage Permission:
Used for uploading documents and downloading loan agreements and statements.

SMS Permission (If Applicable):
SMS access, where applicable and permitted by law, is used only for OTP verification, account authentication, and financial transaction analysis related to loan eligibility assessment. We do not read, store, or share personal SMS unrelated to financial transactions.

4. How We Use Your Information

• User registration and onboarding
• Identity verification and KYC
• Loan eligibility assessment
• Credit underwriting and risk evaluation
• Fraud detection and prevention
• Loan processing and servicing
• Customer support and grievance resolution
• Regulatory compliance
• Internal analytics and service improvement
• Communication regarding loan applications and offers

5. Information Sharing & Disclosure

A. Lending Partners

Including POOJA FINSTOCK INTERNATIONAL LIMITED for loan processing, credit assessment, KYC verification, loan disbursal, and servicing.

B. Service Providers

Third-party vendors providing cloud hosting, verification services, analytics, customer support, communication services, and payment and banking integrations.

C. Regulatory & Legal Authorities

We may disclose information to comply with applicable laws, legal processes, or requests from government authorities, courts, regulators, or law enforcement agencies as required under law.

We do not sell your personal information to third parties.

6. Credit Bureau Checks

By using the Platform and applying for loans, you authorize Sky Credit and its lending partners to obtain your credit report, verify your creditworthiness, and access bureau information from authorized credit bureaus. This may impact your credit score depending on the bureau inquiry process.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, misuse, disclosure, loss, or alteration.

• Encryption of data in transit
• Restricted employee access
• Role-based access control
• Secure cloud infrastructure
• Continuous monitoring and security reviews

However, no digital platform can guarantee complete security.

8. Data Retention & Deletion

We retain your information for as long as necessary to provide services, comply with legal and regulatory obligations, and resolve disputes or prevent fraud.

Users may request deletion of their data by contacting support@skycredit.com. Requests are processed in accordance with applicable regulatory obligations. However, certain information may continue to be retained where required under applicable law or RBI regulations.

9. Third-Party Links & SDKs

The Platform may use third-party SDKs, APIs, or external links for analytics, verification, payment processing, and customer engagement. Such third parties may collect limited information necessary for providing services. Their use of information is governed by their respective privacy policies.

10. Children’s Privacy

Sky Credit services are intended only for individuals above 18 years of age. We do not knowingly collect personal information from minors.

11. Communications

By using Sky Credit, you authorize us and our partners to contact you through phone calls, SMS, WhatsApp, email, push notifications, and RCS messages for loan application updates, EMI reminders, service communications, and promotional and marketing purposes.

You may opt out of promotional communications at any time.

12. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Updated versions will be posted on the Platform with the revised effective date. Continued use of the Platform after updates constitutes acceptance of the revised Policy.

13. Contact Us

For any questions, concerns, or grievances regarding this Privacy Policy, please contact:

Sky Credit Support
Email: support@skycredit.com
Website: https://skycreditloans.com

14. Nodal & Grievance Officer

In accordance with applicable laws and RBI guidelines, the details of the Nodal & Grievance Officer are provided below:

We aim to resolve complaints and grievances within a reasonable time from the date of receipt.

15. Disclaimer

Sky Credit is a technology platform that facilitates loan applications with RBI-registered NBFCs and financial institutions. Loan approval, disbursal, interest rates, tenure, and repayment terms are determined solely by the respective lending partner based on eligibility and internal credit policies.

Use of the Platform does not guarantee loan approval.