Privacy Policy

About This Policy

At ECS Credit (Yaksh Infinlease Pvt Ltd — RBI Registered NBFC, Registration No. B-14.82066), we understand that your personal information is important to you. This policy explains, in plain language, what data we collect, why we collect it, who we share it with, and what rights you have over it. If you have questions at any point, our Grievance Officer is available to help.

1. What Information We Collect

When you visit our website or apply for a loan, we collect information that helps us serve you better and meet our regulatory obligations.

Personal details we collect include:

• Your full name, date of birth, and gender
• Contact details — mobile number, email address, and residential address
• Identity documents such as Aadhaar and PAN
• Employment information and monthly income details
• Bank account details and recent statements
• Credit history obtained from bureaus such as CIBIL or Experian

We also collect certain technical data automatically:

• IP address, browser type, and device information
• Location data, where you have granted permission
• How you navigate and interact with our website
• Cookie data and session information

2. Why We Use Your Information

Your data is used only for legitimate and necessary purposes. We do not sell your personal information to anyone.

• To assess your loan eligibility and process your application
• To complete KYC verification as required under RBI guidelines
• To disburse and manage your loan account
• To detect and prevent fraud or unauthorised access
• To respond to your service requests and complaints
• To comply with legal obligations under the IT Act 2000 and applicable RBI regulations
• To send you important updates about your loan, repayments, or account
• To improve our website and lending services over time

3. Who We Share Your Data With

We share your information only when it is necessary to deliver our services or meet a legal requirement. The parties we may share data with include:

• Credit Bureaus such as CIBIL, Experian, Equifax, and CRIF — for credit assessment
• Banking and Payment Partners — for loan disbursal and repayment processing
• KYC and Verification Agencies — to verify identity and documents
• Technology and Cloud Providers — for secure hosting and platform operations
• Regulatory and Legal Authorities — including RBI, courts, and law enforcement, when required by law
• Business Successors — in the event of a merger or acquisition, under equivalent privacy obligations

Every third party we work with is bound by a confidentiality agreement. They are not permitted to use your data for anything beyond the specific service they provide to us.

4. How We Protect Your Data

We take data security seriously. Our platform uses SSL encryption for all data transmitted between your device and our servers. Access to personal data within our organisation is strictly limited to authorised personnel only. We conduct regular security reviews to identify and address potential vulnerabilities.

That said, no online system is completely risk-free. While we do everything reasonably possible to protect your information, we cannot guarantee absolute security over data transmitted via the internet.

5. How Long We Keep Your Data

We retain your personal data for as long as your loan account remains active with us. After that, data is kept for the period required under applicable law and RBI guidelines — typically for audit, dispute resolution, or regulatory inspection purposes. Once the retention period ends, your data is securely deleted or anonymised.

6. Your Rights Over Your Data

You have meaningful rights when it comes to your personal information:

• Access — You can ask us what data we hold about you
• Correction — You can request that we fix any incorrect or outdated information
• Deletion — You can ask us to delete your data, though some information may need to be retained under law
• Withdrawal of Consent — You may withdraw consent at any time, though this may affect your ability to use our loan services
• Grievance — You have the right to raise a formal complaint with our Grievance Officer

To exercise any of these rights, write to us at grievance@ecscredit.com and we will respond within 30 days.

7. Cookies

Our website uses cookies — small text files stored on your device — to improve your experience. We use four types:

• Functional — to remember your preferences across sessions
• Analytics — to understand how visitors use our site so we can improve it
• Security — to help identify suspicious activity
• Performance — to make pages load faster and more reliably

You can turn off cookies in your browser settings at any time. Some features of our website may not work properly if cookies are disabled.

8. External Links

Our website may occasionally link to third-party websites — for example, the RBI website or Sachet Portal. We are not responsible for the privacy practices of these external sites and recommend you read their policies before sharing any personal information with them.

9. Policy Updates

We may update this Privacy Policy from time to time to reflect changes in our services, technology, or legal requirements. When we do, the revised version will be published on this page. Continuing to use our services after an update means you accept the revised policy.

10. Contact Our Grievance Officer

Email: grievance@ecscredit.com

Phone: +91 88009 64446

Address: G-10, Ansal VikasDeep Building, Laxminagar District Center, Delhi — 110092

11. About ECS Credit

ECS Credit is a product of Yaksh Infinlease Pvt Ltd, a Non-Banking Financial Company registered with the Reserve Bank of India under registration number B-14.82066. All lending operations are governed by applicable RBI regulations and guidelines.