Effective Date: 06-07-2023
Last Updated: 06-07-2025
Welcome to CredScorePlus Private Limited (also operating under the brand Mystic Finance). Your privacy is important to us. This Privacy Policy outlines how we collect, use, share, and protect your personal information when you visit our website or engage with our services.
1. Information We Collect
We collect the following types of information:
a) Personal Information
- Name, phone number, email address
- PAN number, Aadhaar number (if applicable)
- Credit bureau reports (e.g., CIBIL, Equifax, Experian)
- Loan account numbers and bank-related documents
- Address and identification documents
b) Technical Information
- IP address and browser details
- Device type and usage patterns
- Cookies and tracking technologies (only for user experience enhancement)
2. How We Use Your Information
We use your personal and financial information to:
- Evaluate and analyze your credit report
- Offer personalized credit restoration solutions
- Dispute errors with credit bureaus on your behalf
- Provide regular updates and customer support
- Improve website experience and service delivery
- Comply with legal or regulatory obligations
3. Sharing of Information
We do not sell your personal data to third parties. However, we may share your information with:
- Authorized employees and credit advisors
- Credit bureaus (for rectification or verification)
- Banks or NBFCs (only with your written or digital consent)
- Legal or regulatory bodies when required by law
4. Data Security
We follow industry-standard security protocols, including:
- SSL encryption on our website
- Secure data storage and controlled access
- Regular security audits and staff training
Despite our best efforts, no data transmission over the internet is 100% secure. We recommend you protect your login credentials and avoid sharing sensitive information over unsecured networks.
5. Your Rights
You have the right to:
- Access the personal data we hold about you
- Correct or update inaccurate information
- Withdraw consent at any time (subject to service limitations)
- Request deletion of your personal data (if legally permissible)
For such requests, email us at nds@mysticfinance.in
6. Cookies Policy
Our website uses cookies to:
- Enhance your browsing experience
You can manage or disable cookies through your browser settings.
7. Third-Party Links
Our website may contain links to external websites. We are not responsible for their content or privacy practices. We recommend reviewing their privacy policies separately. As on date we don’t have any external links.
8. Children’s Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal data from minors.
9. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted here with an updated date. Continued use of our services implies your acceptance of the revised policy.
10. Contact Us
For any questions, concerns, or complaints regarding this Privacy Policy, contact:
- Email: nds@mysticfinance.in
- Phone: +91 8777350020