Instant Credit respects your privacy and is committed to protecting your personal information. This Privacy Policy explains what information we collect, why we need it, how we use it, and the safeguards we apply. Whenever “we,” “our,” or “us” is used, it refers to Instant Credit and its operating entity.
By downloading, installing, or using the Instant Credit mobile application, you acknowledge that you have read, understood, and agreed to this Privacy Policy. If you do not agree, please discontinue using the app.
We request specific permissions to provide loan services, ensure security, and comply with regulations. Each permission has a defined scope and usage, and we do not share this information with third parties unless required by law.
Includes: name, date of birth, gender, PAN/Aadhaar number, address, email, and phone number.
Used for: identity verification, account setup, and compliance with KYC regulations.
Handling: encrypted, uploaded to https://api.instantcreditapp.net, and deleted after onboarding or loan decision (unless required by law).
We do not share this information with any third party.
Scope: We only read financial SMS messages (e.g., salary credits, EMI payments, loan confirmations, and bank alerts) from the past 180 days.
Exclusions: We do not access personal chats, OTPs, or promotional SMS.
Usage: To assess credit eligibility and detect risk patterns.
Handling: Encrypted, uploaded securely to https://api.instantcreditapp.net, and permanently deleted after credit evaluation.
We never share SMS data with third parties.
Scope: We collect metadata about financial apps installed on your device (package name, version, and install/update date).
Usage: To evaluate financial behavior, verify device integrity, and prevent fraud.
Handling: Encrypted, uploaded to https://api.instantcreditapp.net, deleted after risk assessment.
This information is not shared with external parties.
Scope: device model, OS version, IMEI or device ID, network type, screen size, and language settings.
Usage: For fraud prevention, compatibility checks, and service optimization.
Handling: Encrypted, uploaded to https://api.instantcreditapp.net, and deleted after verification.
We do not share this data with any unauthorized third party.
Scope: Used only when you take a photo of KYC documents or a selfie.
Usage: To complete identity verification as per regulations.
Handling: Images are encrypted, securely uploaded to https://api.instantcreditapp.net, and deleted after verification is completed.
Camera is never used in the background, and images are not shared externally.
Scope: Allows you to manually upload selected KYC documents (ID, address proof, etc.) from your phone.
Usage: To complete onboarding and comply with KYC norms.
Handling: Files are encrypted, uploaded to https://api.instantcreditapp.net, and deleted after processing.
We do not access other folders or files on your device.
Scope: Collects approximate (non-GPS) location only.
Usage: To confirm regional service availability and enhance fraud prevention.
Handling: Encrypted, uploaded to https://api.instantcreditapp.net, and deleted after verification.
We do not share location data with third parties.
Scope: Anonymized logs of app screens visited, button clicks, and session durations.
Usage: To improve user experience and identify technical issues.
Handling: Encrypted, transmitted securely to https://api.instantcreditapp.net, anonymized within 30 days, and deleted after analysis.
We do not link analytics data to personal identity.
To evaluate credit eligibility and set loan terms
To complete KYC and regulatory compliance
To detect fraud and enhance account security
To resolve disputes and provide customer support
To analyze usage patterns and improve app features
To comply with applicable RBI and financial regulations
We do not sell or rent your personal data. Information is shared only when required:
With licensed NBFC partners to provide loan services
With regulators or law enforcement, if mandated
With authorized service providers under strict confidentiality agreements
Active Accounts: Information is retained for the duration of the relationship and as required by RBI or tax laws.
Rejected/Abandoned Applications: Data is purged within 90 days.
KYC/Transaction Records: Maintained as per statutory obligations, then securely deleted.
We apply multiple safeguards, including:
TLS/SSL encryption for all communications
End-to-end data encryption (in transit & at rest)
Access restricted to authorized staff only
Continuous monitoring and intrusion detection
Regular security audits and compliance reviews
As a user, you may:
Access or correct your personal information
Request data deletion via the in-app “Delete My Data” option or by contacting us
Withdraw consent by uninstalling the app (some data may remain if required by law)
Raise a complaint regarding misuse or unauthorized access
This app is intended only for individuals aged 18 years and above. We do not knowingly collect information from minors. If a minor has provided data, please contact us for immediate deletion.
We may revise this Privacy Policy to reflect changes in regulations, technology, or business needs. Updates will be posted in-app and on this page, along with the effective date. Continued use of the app constitutes acceptance of the updated policy.
For any questions, concerns, or requests regarding this Privacy Policy, please contact us:
Email: supports@mediandirectfin.com