Privacy Policy

Effective Date: October 6, 2026. Last Updated: October 6, 2026.

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy.

This Privacy Policy governs the manner in which credit help collects, uses, maintains and discloses information collected from users (each, a "User") of the credithelp.in website ("Site"). This privacy policy applies to the Site and all products and services offered by CREDIT HELP INDIA

Google user data and Gmail API

The following explains how Credit Help India (“CHI”, “we”, “us”, or “our”) accesses, uses, stores, shares, retains, and deletes information obtained through Google APIs when a user chooses to connect their Google account with the Credit Help India platform.

1. Purpose of Google Account Integration

Credit Help India provides credit assistance and credit-related resolution services to its customers. As part of certain services, a customer may need to communicate with a bank, financial institution, credit institution, lender, or other relevant organization regarding an issue identified by the customer or Credit Help India during the service process.

Credit Help India may prepare an appropriate communication based on the customer's service request and make it available to the customer through the Credit Help India platform. Where the customer chooses to connect their Gmail account, the customer may use the Credit Help India platform to send such communication from their own Gmail account.

The email may be addressed to the relevant bank, lender, financial institution, credit institution, or other intended recipient. A designated Credit Help India credit expert or service representative may be included in CC where this is disclosed to the customer as part of the communication.

No email is intended to be sent merely because the user connects their Google account. The sending action is initiated and authorized by the user through the Credit Help India platform.

2. Google User Data We Access

Depending upon the permissions expressly granted by the user through Google's OAuth consent process, Credit Help India may access limited Google user data necessary to provide the Google-connected functionality. This may include:

Basic Google account information, where required for authentication, such as the user's name and email address;
Authorization credentials or OAuth tokens required to provide the Google-connected functionality; and
Permission to send an email from the user's Gmail account where the user expressly initiates or authorizes the sending action.

Credit Help India requests only the Google permissions reasonably necessary to provide the relevant user-facing functionality (including https://www.googleapis.com/auth/gmail.send and https://www.googleapis.com/auth/userinfo.email, as presented in Google's OAuth consent screen).

Gmail access

Credit Help India uses Gmail API authorization solely to enable the user-authorized sending of emails through the Credit Help India platform. Credit Help India does not access or read the contents of the user's Gmail inbox, sent items, email history, attachments, contacts, or other Gmail messages unless such additional access is separately introduced, clearly disclosed to the user, and expressly authorized by the user through Google OAuth.

3. How We Use Google User Data

Google user data accessed by Credit Help India is used only for providing or improving the specific user-facing functionality requested by the user. Google user data may be used to:

Authenticate or identify the user when the user chooses Google authentication;
Connect the user's Google account with the Credit Help India platform;
Enable the user to send a Credit Help India-prepared or assisted communication to a bank, lender, financial institution, credit institution, or other intended recipient;
Send the communication from the user's Gmail account after the user initiates or authorizes the sending action;
Include the relevant Credit Help India credit expert or service representative in CC when disclosed as part of the communication;
Maintain security, prevent unauthorized use, and troubleshoot the Google-connected functionality; and
Comply with applicable legal, regulatory, security, or contractual obligations.

4. What Credit Help India Does Not Do With Google User Data

Google user data obtained through Google APIs is not used by Credit Help India for purposes unrelated to the Google-connected functionality. In particular, Credit Help India does not use Google user data obtained through Google APIs to:

Determine a user's creditworthiness or credit score;
Make lending, loan eligibility, underwriting, or credit approval decisions;
Sell Google user data or sell Google user data to data brokers or information resellers;
Serve targeted, personalized, interest-based, or retargeted advertising or build advertising profiles;
Create unrelated databases of Google user data;
Train general-purpose, non-personalized artificial intelligence or machine-learning models;
Read or analyze the user's Gmail inbox for marketing or profiling purposes; or
Use Google user data for any purpose inconsistent with the permissions granted by the user.

Any credit report analysis or credit assistance provided by Credit Help India is based on information separately supplied, generated, obtained, or authorized as part of Credit Help India's credit assistance services and is not based on the contents of the user's Gmail account obtained through Google APIs.

5. User Control and Authorization

Connecting a Google account to Credit Help India is voluntary. Before Credit Help India receives access to Google account permissions, the user is presented with Google's OAuth consent process describing the permissions requested. The user may choose whether to grant those permissions.

For the email-sending functionality, the Credit Help India platform may display or provide the communication intended for the relevant recipient. The user initiates or authorizes the sending action through the platform. Credit Help India does not intend to send unrelated emails from the user's Gmail account without the user's authorization.

Users may revoke Credit Help India's access to their Google account at any time through their Google Account permissions settings (https://myaccount.google.com/permissions). Revocation prevents Credit Help India from making future API requests using the revoked authorization.

Credit Help India does not sell Google user data. Google user data is not shared with third parties except where necessary to provide the functionality expressly requested by the user, where required for security or legal compliance, or where the user has otherwise provided appropriate authorization.

When a user instructs Credit Help India to send an email, information contained in that email will necessarily be disclosed to the recipients selected or displayed for that communication, which may include banks, lenders, financial institutions, credit institutions, credit bureaus (where applicable to the user's requested service), other organizations relevant to the user's request, and the designated Credit Help India credit expert or service representative included in CC.

The recipient email address, CC address, subject, and message content are made available to the user as part of the email-sending process so the user understands where the communication is being sent.

Credit Help India may also use service providers that process information on our behalf solely as necessary to operate, secure, host, or maintain our platform. Such providers are required to process information only for authorized purposes and subject to appropriate confidentiality and security obligations. Google user data will not be transferred to third parties for advertising, data brokerage, information resale, independent profiling, or unrelated commercial purposes.

7. Google API Services User Data Policy

Credit Help India's use and transfer to any other application of information received from Google APIs will adhere to the Google API Services User Data Policy, including the applicable Limited Use requirements. Google user data obtained through Google APIs is used only to provide or improve the user-facing functionality that is visible and relevant to the user.

8. Data Storage and Security

Credit Help India applies reasonable technical and organizational safeguards designed to protect Google user data from unauthorized access, disclosure, alteration, loss, or misuse. Access to Google user data within Credit Help India is restricted to authorized systems and personnel where access is required for legitimate operational, security, support, or compliance purposes. OAuth credentials and tokens, where retained, are protected using appropriate security controls. Credit Help India does not request or store the user's Google account password.

9. Data Retention

Credit Help India retains Google user data only for as long as reasonably necessary to provide the Google-connected functionality, maintain security, comply with applicable legal requirements, resolve disputes, or fulfil legitimate contractual obligations.

OAuth access or refresh tokens, where retained, are retained only while required to maintain the user's authorized Google connection or until the user disconnects or revokes the authorization, subject to limited retention that may be necessary for security, fraud prevention, or legal compliance.

Credit Help India does not retain copies of a user's Gmail inbox or general Gmail message history because the Google-connected functionality described in this policy does not require such information. Where records relating to a user-authorized communication are retained as part of the user's Credit Help India service record, such records will be retained only in accordance with Credit Help India's applicable retention requirements and legal obligations.

When information is no longer required for the purposes described in this policy, Credit Help India will delete, anonymize, or securely dispose of it, subject to applicable legal requirements.

10. Deletion of Google User Data

Users may request deletion of Google user data held by Credit Help India. A user may submit a deletion request by emailing care@credithelpindia.com with the subject line "Google user data deletion request", or through our contact page at https://www.credithelpindia.com/contact.

Upon receiving a valid deletion request, Credit Help India will verify the request and delete applicable Google user data and associated authorization information within a reasonable period, except where retention is required by applicable law, regulatory obligations, fraud prevention, dispute resolution, or security requirements.

Users may also revoke Credit Help India's access directly through their Google Account settings. Revocation terminates Credit Help India's future access through the revoked Google authorization. Revoking Google access does not automatically delete information that the user has separately provided to Credit Help India outside the Google API integration; such information is governed by Credit Help India's general Privacy Policy and applicable legal requirements.

For withdrawal of consent relating to credit bureau data (separate from Google account data), see https://www.credithelpindia.com/revoke-consent.

11. Separation of Gmail Data From Credit Analysis

Credit Help India's Google/Gmail integration is intended as a communication facility. Credit Help India does not use the contents of a user's Gmail account obtained through Google APIs as a source for credit scoring, creditworthiness assessment, loan underwriting, loan eligibility, or lending decisions. Gmail authorization is used solely to facilitate sending a prepared communication to the relevant institution after the customer initiates or authorizes the sending action.

12. Changes to Google API Permissions

If Credit Help India introduces functionality requiring additional Google API permissions, Credit Help India will update the relevant disclosures and obtain any additional authorization required from the user before accessing such Google user data. Credit Help India will not materially expand its use of Google user data beyond the purposes disclosed to users without providing appropriate notice and obtaining consent where required.

13. User Rights and Questions

Users may contact Credit Help India regarding Google account data accessed by Credit Help India, the purpose for which such data is used, revocation of Google authorization, deletion of Google user data, privacy concerns relating to Gmail integration, or questions regarding this policy.

Credit Help India — Website: https://www.credithelpindia.com. Privacy contact email: care@credithelpindia.com. Registered office: Credit Help India Services Pvt Ltd, 16, First Floor, Opposite Sector 29, LIG Flats Baselva, Faridabad – 121008, Haryana, India.

Credit information from Equifax

With your consent, we obtain your credit information report from Equifax Credit Information Services Private Limited and use it only to provide the services you have asked for. Your consent is valid for 180 days. Credit information is processed and stored in India.

We keep each credit report for no more than 180 days from the date we obtain it, or until the purpose is complete, or until you withdraw your consent, whichever is earliest, and then permanently delete it. You can withdraw your consent at any time from the Privacy & consent section of your dashboard Profile, or as described at www.credithelpindia.com/revoke-consent. On withdrawal, we delete your credit reports immediately and confirm by email within 24 hours.

We do not sell, share or disclose your credit information to any third party. There is no unauthorised use of it by any third party, including any of our group companies, subsidiaries, affiliates or associates, in violation of the Credit Information Companies (Regulation) Act, 2005 and other applicable laws.

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