Privacy First

Privacy Policy

At CredSettle.com ("CredSettle", "we", or "us"), protecting your personal and financial information is integral to how we operate. This Privacy Policy explains what data we collect, why we collect it, and the safeguards we apply while delivering debt settlement support services in India through our website and mobile experiences.

Last reviewed: 14 April 2026

How We Use Your Information

We use the collected information strictly for the following purposes:

To create, verify, and manage your user account
To authenticate users via Google Sign-In and other login methods
To securely store and process data using Firebase services
To send important notifications, alerts, and updates through Firebase Cloud Messaging (FCM)
To respond to user queries, including assistance through our in-app “Contact Support” feature available in the Account section, as well as email-based support
To provide customer support and resolve user issues related to account access, services, or app functionality
To improve application performance, stability, and overall user experience
To monitor, detect, and prevent fraudulent or unauthorized activity
To comply with applicable legal, regulatory, and security obligations

We only collect and process information that is necessary for providing core application functionality and maintaining secure service operations.

Legal Basis for Processing

We process your personal data based on one or more of the following grounds:

Your consent when you use our application
The necessity to provide requested services
Compliance with applicable legal obligations
Legitimate interests such as improving app performance and security

Collection of Personally Identifiable Information

We collect limited personal information to activate your engagement, customise settlement strategies, and keep you informed about progress. This may include:

Full name, email address, mailing address, and phone number for identification and secure communication.
Company name, team size, and business type when you enquire on behalf of an organisation.
Billing details required to process professional fees (We do not store complete payment card details.).

You consent to receive essential service-related communications necessary for the use of the application.

Use of Non-Personal Identifiable Data

To optimise the CredSettle experience we may capture non-identifiable analytics such as device fingerprints, locale preferences, or session behaviour. Typical data points include:

Device type, operating system, browser version, and language preference.
Time zone, screen resolution, referring/exit pages, and on-site navigation patterns.

We use aggregated insights to improve usability, prioritise new features, and tighten the security posture of our platform.

Children’s Privacy

CredSettle does not knowingly collect or solicit personal information from individuals under the age of 18. Our services and mobile applications are intended solely for use by adults.

If we become aware that we have collected personal data from a user under the age of 18 without verified parental consent, we will take immediate steps to delete such information from our systems.
If you are a parent or guardian and believe that your child has provided personal information to CredSettle, please contact us at info@credsettle.com, and we will take appropriate action to remove such data promptly.

We encourage parents and guardians to supervise their children’s online activities to ensure a safe digital experience. CredSettle is committed to complying with applicable data protection and children’s privacy laws.

Data Retention Policy

Data Retention: We retain personal information only for as long as necessary to:

Provide our services
Fulfill legal and regulatory obligations
Resolve disputes and enforce agreements

After this period, data is securely deleted or anonymized.

Third-Party Services Disclosure

CredSettle uses trusted third-party services to provide core application functionality, improve performance, and enhance user experience. These services may process limited user data on our behalf under their respective privacy policies. We currently use the following third-party services:

Google Firebase – used for backend services including authentication, database storage, analytics, and crash reporting.
Firebase Cloud Messaging (FCM) – used to send push notifications and important service updates to users.
Google Sign-In Authentication – used to allow users to securely sign in using their Google account.

These third-party providers may collect and process certain information such as device identifiers, authentication tokens, and usage data strictly for service functionality. We do not sell or misuse this data. Each third-party service operates under its own privacy policy, and we encourage users to review them for more details. CredSettle ensures that all third-party integrations are used only to support app functionality and maintain service reliability and security.

Data Processing & Storage

Your information may be processed and stored securely using trusted cloud infrastructure services such as Firebase, which is a Google platform.

Data may be processed in secure servers located in different regions depending on service availability, performance optimization, and reliability requirements.
We ensure that all third-party service providers follow strict data protection, security, and compliance standards.

For more information on how Google/Firebase handles data, please refer to their official privacy documentation:

Google Privacy Policy:https://policies.google.com/privacy
Firebase Privacy and Security:https://firebase.google.com/support/privacy
Google Cloud Data Processing Terms:https://cloud.google.com/terms/data-processing-terms

No Advertising Policy

CredSettle does not display any third-party advertisements within the mobile application.

We do not use advertising networks, ad tracking tools, or personalized advertising services in the app. The experience is designed to remain clean, simple, and free from promotional content.

We do not share user data with advertisers or marketing networks. If this policy is updated in the future, users will be informed through an updated version of this Privacy Policy.

User Rights

As a user of CredSettle, you have certain rights regarding your personal information in accordance with applicable data protection laws, including relevant privacy regulations such as GDPR, CCPA, and India’s Digital Personal Data Protection Act, 2023. You are entitled to:

Access Your Information: You may request access to the personal data we store about you.
Update or Correct Data: You can request corrections to any inaccurate or incomplete information.
Withdraw Consent: You may withdraw your consent for communications or data usage where applicable.
Request Deletion: Users may request deletion of their account and associated personal data directly through the “Delete Account” option available within the Account section of the application. Alternatively, users can contact our support team for assistance with account deletion requests.

To exercise any of these rights or for any privacy-related concerns, you can contact us at info@credsettle.com. We will review and respond to all legitimate requests within a reasonable timeframe as required by applicable laws.

User Consent & Acceptance

By accessing or using CredSettle, you acknowledge that you have read, understood, and agree to be bound by our Terms & Conditions and Privacy Policy.

By continuing to use the application, you also consent to the collection and use of information as described in the Privacy Policy.
If you do not agree with these terms, you should discontinue using the application.

Sharing of Personal Information

We disclose personal information only when necessary with trusted affiliates, operational vendors, and legal authorities. Typical scenarios include:

Fraud detection, credit risk assessment, and platform security enforcement.
Service delivery partners who assist with debt settlement support services in India or technology infrastructure.
Corporate restructuring events such as mergers, acquisitions, or investment diligence-always under confidentiality obligations.

Information Security

We implement industry-standard safeguards (including SSL encryption, access controls, and regular audits) to protect your information. While no Internet transmission is 100% secure, we continually strengthen our defences.

Privacy Policy Updates

We may update this Privacy Policy from time to time to reflect changes in our services, legal requirements, or data handling practices.

When we make significant changes, we will notify users through appropriate channels, which may include in-app notifications, updates within the application, or other direct communication methods where applicable.
The latest version of the Privacy Policy will always be available through the link provided within the application.
We encourage users to review this Privacy Policy periodically to stay informed about how we protect and use their information.