Privacy Policy

Jononi Creditcure Solutions Private Limited ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our credit consulting services or website.

1. Information We Collect

To provide accurate credit advisory services, we may collect the following information:

• Personal Identifiers: Name, phone number, email address, physical address.
• Financial Information: Current CIBIL/credit score range, voluntarily shared credit report details (such as account statuses, outstanding dues, or disputes).
• KYC Documents: PAN card or Aadhar details, strictly for the purpose of verifying your identity when pulling credit reports or filing formal disputes on your behalf.

2. Why We Collect This Information

Your information is collected solely for the purpose of delivering our consulting services, which includes:

• Analyzing your credit profile to identify errors or areas for improvement.
• Drafting and filing formal disputes with credit bureaus (CIBIL, Experian, Equifax, CRIF Highmark) on your behalf.
• Communicating with you regarding your consultation, service updates, and progress reports.
• Complying with legal and regulatory obligations.

3. How We Store and Protect Your Data

We implement robust physical, electronic, and procedural safeguards to protect your personal information. Your data is stored securely and accessed only by authorized personnel strictly on a need-to-know basis. We do NOT sell, rent, or trade your personal or financial information to third-party marketers, lenders, or brokers under any circumstances.

4. Credit Bureau Interactions

As part of our service, we may act as your authorized representative to communicate with credit bureaus. We will only share the necessary information with these entities required to process disputes or rectify errors on your report, and only after obtaining your explicit consent.

5. Cookies and Website Tracking

Our website may use basic session cookies to enhance your browsing experience and ensure the site functions correctly. We do not use intrusive tracking mechanisms to monitor your behavior across other websites.

6. Your Rights

You have the right to:

• Request access to the personal data we hold about you.
• Request correction of any inaccurate or incomplete information.
• Request deletion of your data from our active records once your consulting engagement has concluded, subject to legal retention requirements.

7. Contact Us Regarding Privacy

If you have any questions or concerns about this Privacy Policy or how your data is handled, please contact our privacy officer at:

Email: info@jononicreditcure.com
Phone: +91 91813 17685
Address: C/O Bihari Singh, GHY-37, Batahghuli, Basistha, Panjabari, GMC, Kamrup - 781037, Assam