Privacy Policy

Effective Date: 31-03-2026

At Creadxmoney, your privacy is important to us. This Privacy Policy explains how we collect, use, share, and protect your information when you use our platform.

Creadxmoney is a product owned and operated by NEXT STOP ON TOP INDIA PRIVATE LIMITED (the “Company”).

References to “Creadxmoney”, “we”, “us”, or “our” refer to NEXT STOP ON TOP INDIA PRIVATE LIMITED.

IMPORTANT: Creadxmoney is NOT a lender. We do NOT provide loans. We only act as a facilitator connecting users with RBI-registered banks and financial institutions.

1. Information We Collect

Personal Information

• Name
• Mobile number
• Email address
• PAN (Permanent Account Number)
• Employment and income details

Technical Information

• Device information
• IP address
• App usage data

2. How We Use Your Information

We use your information to:

• Check your credit score through authorized credit bureaus
• Assess and display loan eligibility options
• Connect you with RBI-registered banks and financial institutions
• Improve our platform and user experience
• Send service-related updates and communication

We do NOT provide loans or make lending decisions.

3. Sharing of Information

We may share your data only with:

• RBI-registered banks and financial institutions
• Authorized credit bureaus
• Trusted service providers

All data sharing is done under the authority of NEXT STOP ON TOP INDIA PRIVATE LIMITED and only with your explicit consent.

We do NOT sell your personal data.

4. Data Security

We implement appropriate security measures, including:

• SSL/TLS encryption
• Secure servers and storage
• Restricted access controls

5. Cookies and Tracking

We may use cookies or similar technologies to enhance user experience and analyze usage patterns.

6. User Consent

By using our platform, you provide explicit consent to NEXT STOP ON TOP INDIA PRIVATE LIMITED to:

• Collect and process your personal and financial data
• Fetch your credit score
• Share your data with RBI-registered entities
• Communicate via SMS, email, or calls

7. Data Retention

We retain your data only as long as necessary or as required by law.

8. Your Rights

You have the right to access, correct, delete your data, or withdraw consent (subject to legal requirements).

9. Third-Party Services

We are not responsible for third-party privacy practices.

10. Updates to this Policy

We may update this Privacy Policy periodically.

11. Contact Us

For any concerns, contact:

📧 developer@nsot.co.in

(Managed by NEXT STOP ON TOP INDIA PRIVATE LIMITED)