Last updated: 7 September 2026
1. Who we are
Crediscore is operated by Aswini's Cibil Agency, MSME registration UDYAM-TN-31-0027268. This policy applies to crediscore.in and the services available through our customer portal.
2. Information we collect
We may collect information you provide while registering, completing your profile, requesting a report, making a payment or contacting support. This may include your name, email address, mobile number, address, PAN, Aadhaar-related information, consent records, payment references and request history.
We may also collect limited technical information such as IP address, device/browser details, access time and application logs for security, troubleshooting and service delivery.
3. Why we use your information
- To create and secure your customer account.
- To verify submitted details and process a report request after consent.
- To communicate request, payment and report status.
- To prevent misuse, investigate errors and maintain service security.
- To meet applicable legal, regulatory, accounting and dispute-resolution requirements.
4. Consent and accuracy
By submitting a request, you confirm that the information belongs to you or that you are lawfully authorised to provide it. You must provide accurate information and valid consent. You may contact us before processing begins if a correction is required.
5. Sharing and service providers
Information may be shared only as needed with authorised credit-information/API providers, payment processors, hosting and technical service providers, professional advisers, or government and legal authorities where required. These parties receive only the information reasonably necessary for their role.
6. Data security and retention
We use access controls, masked customer-facing identifiers, authenticated accounts and reasonable technical and organisational safeguards. No internet-based system can be guaranteed to be completely secure. Information is retained only for as long as reasonably necessary for the stated purpose, legal obligations, fraud prevention and dispute handling.
7. Your choices and requests
You may request access, correction or deletion of eligible personal information, withdraw consent for future processing where applicable, or raise a grievance by contacting us. Some records may be retained when required by law or for completed transactions and disputes.
8. Cookies and external services
The website may use essential cookies for login, session security and core functionality. Payment and credit-information services may apply their own privacy terms when their systems are used.
9. Updates to this policy
We may update this policy to reflect service, legal or security changes. The revised date will be displayed on this page.
10. Contact
For privacy questions or grievances, email aswinicibilagency@gmail.com or call/WhatsApp +91 95243 76139 during support hours.