Privacy Policy
Last updated: 22 September 2026 · Contact: info@qcred.in
1. Who we are
QCred.in is operated by Simply Insight Consultancy LLP, an associate of Terranua Insurance Brokers, from 302, AT by AGM, Off Mahakali Caves Rd, Andheri East, Mumbai, Maharashtra 400093. This notice covers the public website (www.qcred.in), partner and employee onboarding forms, and the QCred Partner mobile app / CRM used by staff and channel partners (privacy URL for the app: https://crm.qcred.in/privacy).
2. What we collect
Website: information you submit through forms — name, mobile number, email, city, product interest and approximate loan amount. Partner and employee onboarding also collect KYC details and document uploads (PAN, Aadhaar, address, emergency contact, and employment papers where given). Partner app / CRM: account login, partner profile, bank details for commission, uploaded KYC files, customer application data and configured verification results. Website analytics and performance services process technical information about page visits and performance. If you allow notifications in the app, we also process a device push token.
3. How we use it
To respond to your enquiry, match you with suitable lenders, process your application with the lender(s) you choose, and communicate with you about your enquiry via call, SMS, WhatsApp and email. For partners and staff, to operate the CRM and Partner app (leads, documents, payouts, team). Aggregated, anonymised data may be used to improve our services. We do not sell personal data and we do not use the Partner app for third-party advertising.
4. Who we share it with
Enquiry and application details are handled by authorised QCred staff and shared with the relevant banks/NBFCs as the file requires. Partner and employee onboarding data is used by the authorised onboarding team. Infrastructure and communication providers support hosting, database, storage, email and notifications. Configured services include Vercel hosting/analytics, FormSubmit for existing website enquiry routes, Resend for CRM onboarding emails, and Expo and platform push services for app notifications. Verification providers receive information for authorised checks described below. These services do not make lender organisations users of the internal app.
5. Credit information
A website enquiry is not consent for a credit check. When an authorised employee or partner initiates a configured identity, business, credit or banking check, relevant identifiers and information may be sent to a verification provider, including Surepass. The relevant person's required consent must be obtained before credit or banking checks. Results support assessment; they do not guarantee lender approval. Lenders may also carry out their own checks under their notices and consent process.
6. Camera and documents (Partner app)
QCred Partner is a restricted business tool for approved employees and channel partners, not borrowers or lender organisations. Users submit applications and manage customer files within their assigned permissions. Partner applications do not themselves grant CRM access. The app requests camera access when you choose to photograph a document and uses system pickers for selected photos and files. Broad Android photo-library, contacts and location access is not requested. Files are not used for ads or facial recognition.
7. Account deletion (Partner app & CRM)
Employees and partners can delete their login in the QCred Partner app: Profile (or More) → Delete account, confirmed with their password. This ends sign-in, invalidates the password, removes device push tokens and clears profile identity and payout-bank fields. Uploaded KYC documents, onboarding submissions, verification results, customer files, payout history and audit records are not automatically erased. Request a review of remaining personal data at info@qcred.in; records with continuing retention requirements may remain. Customers can also request review without a CRM account. Instructions: https://crm.qcred.in/account-deletion. Do not send passwords or identity documents in an initial email.
8. Storage and security
Data is transmitted over encrypted channels (HTTPS) and stored with access controls. No system is perfectly secure; we cannot guarantee absolute security but follow reasonable industry practices.
9. Your choices (including DPDP)
You may request access to, correction of, or deletion of your personal data, and may withdraw consent to be contacted, by writing to info@qcred.in. We retain enquiry and file data as needed for legal and audit purposes before deletion. Grievance contact: info@qcred.in, 302, AT by AGM, Off Mahakali Caves Rd, Andheri East, Mumbai, Maharashtra 400093.
10. Cookies
The website uses Vercel analytics and performance services to understand page usage and performance. The CRM uses a session cookie for signed-in access. Your browser lets you manage cookies and site storage; blocking session storage may prevent sign-in. External lender pages have their own notices and storage settings.
11. Children
The website and Partner app are not directed at children under 18.
12. Updates
We may revise this policy from time to time; the latest version will always be available on this page. The Partner app also links to https://crm.qcred.in/privacy.