Last updated Sep 03, 2026
Effective Date: 19/07/2026
Last Updated: 01/09/2026
1. INTRODUCTION
This Privacy Policy ("Policy") is issued by Primescore Fintech Private Limited ("Primescore", "Company", "we", "our" or "us"), a company incorporated under the Companies Act, 2013, to explain how we collect, use, store, process, disclose, retain and protect your Personal Data when you access our website, mobile application, customer dashboard or other services (collectively, the "Platform").
Primescore is committed to processing Personal Data responsibly, transparently and in accordance with the Digital Personal Data Protection Act, 2023, the Information Technology Act, 2000, and other applicable laws in India.
By accessing or using the Platform or availing our Services, you acknowledge that you have read and understood this Privacy Policy and, where required by Applicable Laws, consent to the processing of your Personal Data in accordance with its terms.
2. APPLICABILITY
This Privacy Policy applies to all Personal Data collected, received or processed by Primescore through the Platform, including its website, mobile application, customer dashboard, onboarding processes, customer support, communication channels, online payment interfaces, documents submitted by users, authorized retrieval of credit reports, third-party service providers, and other lawful sources in connection with the Services. This Policy applies irrespective of whether such information is collected electronically, digitally or in physical form.
3. ABOUT PRIMESCORE
Primescore is a technology-enabled credit consultancy platform that assists individuals in analyzing, monitoring and improving their credit profiles through lawful and authorized processes. Primescore is not a bank, Non-Banking Financial Company (NBFC) or Credit Information Company under the Credit Information Companies (Regulation) Act, 2005, and does not grant loans, determine credit scores or independently alter credit records. Primescore acts solely as a facilitator by assisting users in analyzing their credit information and coordinating with lenders or Credit Information Companies where expressly authorized. Any correction or updation of credit records is carried out exclusively by the concerned lender or Credit Information Company in accordance with Applicable Laws.
4. DEFINITIONS
Unless the context otherwise requires, the following terms shall have the meanings assigned below:
"Applicable Laws" means all applicable statutes, rules, regulations, notifications, circulars, directions and governmental orders governing privacy, data protection, information technology and cybersecurity in India.
"Consent" means a free, specific, informed, unconditional and unambiguous indication of the User's agreement to the processing of Personal Data for specified purposes through a clear affirmative action.
"Personal Data" means any data about an identifiable individual and shall have the meaning assigned under the Digital Personal Data Protection Act, 2023.
"Platform" means the Company's website, mobile applications, customer dashboard, online portals and other digital interfaces through which the Services are made available.
"Processing" includes collection, recording, organization, storage, adaptation, retrieval, consultation, use, analysis, disclosure, transmission, sharing, modification, restriction, deletion or destruction of Personal Data.
"Services" means all services provided by Primescore, including but not limited to credit report analysis, credit monitoring, credit rectification assistance, dispute management, settlement assistance, written-off account assistance, suit-filed account assistance, financial wellness advisory and related services.
"User", "You" or "Your" means any individual accessing the Platform or availing the Services.
5. PERSONAL DATA WE COLLECT
Depending upon the Services availed by you, Primescore may collect and process the following categories of Personal Data.
5.1 Identity Information
We may collect identity-related Personal Data including your full name, date of birth, photograph, gender, Permanent Account Number (PAN), Aadhaar details where voluntarily provided or otherwise permitted under Applicable Laws, passport details, driving licence details, voter identification details, signature, and any other government-issued identification document that may be reasonably required for identity verification, compliance with legal obligations, or the provision of our Services.
5.2 Contact Information
We may collect your contact information, including your mobile number, email address, residential address, correspondence address, office address, and any alternative contact details provided by you for the purpose of facilitating communication, delivering the Services, responding to your queries, and complying with applicable legal or regulatory requirements.
5.3 Financial and Credit Information
Subject to your express authorization and to the extent necessary for providing the Services, we may collect and process your financial and credit-related information, including credit reports, credit scores, credit bureau information, loan account details, credit card information, repayment history, outstanding liabilities, default records, settlement records, written-off accounts, suit-filed accounts, credit enquiries, banking relationships, and such other financial information as may be relevant for analyzing your credit profile, facilitating dispute resolution, or providing the requested Services.
5.4 Supporting Documents
You may voluntarily provide supporting documents necessary for the provision of our Services, including your PAN Card, Aadhaar Card, passport, driving license, bank statements, salary slips, Income Tax Returns, loan agreements, and any other documents or records that may be relevant for identity verification, credit analysis, dispute resolution, or the Services requested by you.
When you access the Platform, we may automatically collect: IP address; Browser type and version; Device identifiers; Device model; Operating system; Network information; Login timestamps; Session information; Cookies; Device diagnostics; Usage analytics; and Log files.
We may maintain records of communications exchanged through: Email; Telephone; WhatsApp; Live chat; Customer support; Feedback forms; Contact forms; and Other authorized communication channels.
Such records may be retained for quality assurance, customer support, dispute resolution, fraud prevention, internal audits and legal compliance.
6. HOW WE COLLECT YOUR PERSONAL DATA
(a) Information Provided Directly by You: When you register an account, avail our Services, upload documents, complete onboarding, submit credit reports or other information, make payments, contact customer support, communicate with us through authorized channels, or otherwise use the Platform.
(b) Information Collected Pursuant to Your Authorization: Where expressly authorized by you, Primescore may obtain your credit reports and related information from Credit Information Companies, lenders, financial institutions or other authorized entities for providing the requested Services.
(c) Information Received from Third Parties: Subject to Applicable Laws, we may receive relevant information from banks, NBFCs, Credit Information Companies, payment gateway providers, identity verification agencies, technology service providers, business partners, government or regulatory authorities, and other lawful public sources, solely for legitimate business and service-related purposes.
(d) Automatically Collected Information: We may automatically collect technical and usage information through cookies, analytics tools, server logs and similar technologies to operate, secure and improve the Platform.
7. PURPOSE OF PROCESSING PERSONAL DATA
Primescore processes your Personal Data only for lawful, legitimate and specified purposes necessary to provide the Services or as otherwise permitted under Applicable Laws.
Your Personal Data may be processed to: (a) create and manage your user account; (b) verify your identity and authenticate access to the Platform; (c) retrieve, analyze and interpret your credit reports and related information; (d) identify discrepancies or inaccuracies in your credit profile; (e) facilitate representations, disputes or rectification requests with banks, financial institutions and Credit Information Companies, where authorized by you; (f) provide credit monitoring, financial wellness and advisory services; (g) respond to your queries and support requests; (h) process payments and maintain transaction records; (i) communicate service-related updates; (j) prevent fraud, identity theft and unauthorized access; (k) maintain internal records, audits and business continuity; (l) comply with legal, regulatory and contractual obligations; (m) protect the rights and legitimate interests of Primescore, its users and third parties; (n) improve the functionality, security and performance of the Platform; (o) conduct internal analytics using anonymized or aggregated data; and (p) fulfil any other purpose for which your consent has been obtained or which is otherwise permitted under Applicable Laws.
8. CONSENT
By voluntarily providing your Personal Data or by availing the Services offered through the Platform, you consent to the collection, storage, use and processing of your Personal Data for the purposes specified in this Privacy Policy.
Where required under Applicable Laws, Primescore shall obtain your consent through a clear affirmative action before processing your Personal Data.
You acknowledge that certain Services cannot be provided unless the necessary Personal Data is furnished by you. If you choose not to provide the required information or subsequently withdraw your consent, Primescore may be unable to provide or continue providing the relevant Services.
You may withdraw your consent at any time by contacting Primescore through the details provided in this Privacy Policy. Withdrawal of consent shall not affect the lawfulness of processing undertaken prior to such withdrawal or processing otherwise permitted under Applicable Laws.
9. CREDIT INFORMATION AND CUSTOMER AUTHORISATION
Certain Services offered by Primescore require access to your credit information and related financial records. By requesting such Services and providing the necessary authorization, you expressly authorize Primescore to obtain your credit information from authorized Credit Information Companies or financial institutions, analyses such information, communicate with banks, NBFCs, Credit Information Companies and other relevant entities for dispute resolution or rectification, prepare the necessary documentation, and retain such information for as long as reasonably required to provide the Services and comply with Applicable Laws.
Primescore shall process such information only to the extent authorized by you or permitted under Applicable Laws. Nothing in this Privacy Policy authorizes Primescore to independently modify, alter or update any credit records maintained by a lender or Credit Information Company.
10. ARTIFICIAL INTELLIGENCE AND AUTOMATED PROCESSING
Primescore may utilize proprietary technologies, automated tools and artificial intelligence solutions, including its AI-powered credit analysis engine, to improve the efficiency, accuracy and quality of its Services.
Such technologies may assist in:
Where automated tools are used, Primescore may supplement such processing with appropriate human review wherever considered necessary.
Where third-party artificial intelligence service providers are engaged, Primescore shall implement reasonable contractual and technical safeguards to protect your Personal Data in accordance with Applicable Laws.
11. COOKIES AND SIMILAR TECHNOLOGIES
Primescore uses cookies and similar technologies to operate the Platform, enhance security, improve user experience, analyze website performance and traffic, maintain user sessions and preferences, and detect fraudulent or malicious activities. You may disable cookies through your browser settings; however, doing so may affect the availability or functionality of certain features of the Platform.
12. DISCLOSURE OF PERSONAL DATA
Primescore does not sell or rent your Personal Data. We may disclose your Personal Data only where necessary to provide the Services, comply with Applicable Laws, or protect the legitimate interests of Primescore, its users or third parties. Such disclosures may be made to banks, NBFCs, Credit Information Companies, payment gateway providers, cloud and technology service providers, identity verification agencies, professional advisors, regulatory or law enforcement authorities, or any other entity with your consent or as permitted by law. Primescore takes reasonable steps to ensure that such recipients process your Personal Data only for authorized purposes and maintain appropriate confidentiality and security safeguards.
13. THIRD-PARTY SERVICE PROVIDERS
Primescore may engage independent third-party service providers for hosting, payment processing, communication services, analytics, cloud storage, identity verification, customer support and other operational requirements.
Such service providers shall be permitted to process Personal Data only to the extent necessary for providing the relevant services to Primescore and shall be contractually required to implement reasonable security measures and confidentiality obligations.
Primescore shall not be responsible for the privacy practices of third-party websites, platforms or services that are not owned or controlled by the Company. Users are encouraged to review the privacy policies of such third parties independently.
14. INTERNATIONAL TRANSFER OF PERSONAL DATA
Primescore may utilize cloud infrastructure, software platforms or service providers located within or outside India for the purpose of providing the Services.
Where Personal Data is transferred outside India, such transfer shall be undertaken only in accordance with Applicable Laws and subject to appropriate contractual, technical and organisational safeguards designed to ensure an adequate level of protection for such Personal Data.
By using the Platform and availing the Services, you acknowledge that your Personal Data may be processed in jurisdictions other than the jurisdiction in which it was originally collected, subject always to Applicable Laws.
15. MARKETING AND COMMUNICATIONS
Primescore may communicate with you via email, SMS, telephone, WhatsApp or other authorized channels regarding account notifications, service updates, payment confirmations, customer support, security alerts, promotional offers and other communications relating to the Services. Where required under Applicable Laws, promotional communications will be sent only with your consent, and you may opt out at any time. However, essential service-related communications may continue as necessary for the provision of the Services.
16. SECURITY OF PERSONAL DATA
Primescore implements reasonable technical, organisational and administrative safeguards to protect Personal Data against unauthorized access, use, disclosure, alteration, loss or destruction. Such measures may include encryption, secure cloud infrastructure, access controls, authentication mechanisms, system monitoring and periodic security assessments. Access to Personal Data is restricted to authorized personnel and service providers with a legitimate business need and appropriate confidentiality obligations.
While Primescore adopts commercially reasonable security measures, no method of electronic transmission or storage is completely secure. Accordingly, Primescore cannot guarantee absolute security of Personal Data. Users are responsible for maintaining the confidentiality of their account credentials and promptly notifying Primescore of any suspected unauthorized access.
17. DATA RETENTION
Primescore retains Personal Data only for as long as necessary to provide the Services, fulfil the purposes set out in this Privacy Policy, comply with Applicable Laws, resolve disputes, enforce legal rights, or meet statutory, regulatory, taxation or audit requirements. Upon expiry of the applicable retention period, Personal Data will be securely deleted, anonymized or otherwise disposed of, unless its continued retention is required by law.
18. YOUR RIGHTS
Subject to the Digital Personal Data Protection Act, 2023 and other Applicable Laws, you may exercise the following rights in relation to your Personal Data:
(a) Right to Access: You may request a summary of the Personal Data processed by Primescore and the purposes for which it is processed.
(b) Right to Correction: You may request correction, updating or completion of inaccurate or incomplete Personal Data.
(c) Right to Erasure: You may request deletion of your Personal Data where required under Applicable Laws or upon withdrawal of consent, subject to Primescore's right to retain information for legal, regulatory or dispute resolution purposes.
(d) Right to Withdraw Consent: Where processing is based on your consent, you may withdraw such consent at any time. Such withdrawal shall not affect the lawfulness of processing undertaken prior to its withdrawal.
(e) Right to Grievance Redressal: You may submit complaints regarding the processing of your Personal Data through the grievance mechanism provided in this Policy.
(f) Right to Nominate: Where permitted under Applicable Laws, you may nominate another individual to exercise your rights on your behalf.
Primescore may require reasonable identity verification before processing any request under this Clause.
19. USER RESPONSIBILITIES
Users are responsible for ensuring that:
Primescore shall not be responsible for any consequences arising from inaccurate, incomplete or misleading information furnished by the User.
20. DATA BREACH RESPONSE
Where Primescore becomes aware of any Personal Data breach requiring notification under Applicable Laws, it shall take such measures as may be reasonably necessary, including notifying the appropriate regulatory authorities and affected individuals where legally required.
Primescore reserves the right to investigate suspected security incidents and to take appropriate remedial measures for protecting its systems, users and business operations.
21. CHILDREN'S PRIVACY
The Services offered by Primescore are intended only for individuals who are legally competent to enter into contracts under the Indian Contract Act, 1872 and are eligible to avail financial or credit-related services.
Primescore does not knowingly collect or process Personal Data relating to individuals below the age of eighteen (18) years. If Primescore becomes aware that Personal Data relating to a minor has been inadvertently collected, such information shall be deleted or otherwise dealt with in accordance with Applicable Laws.
22. THIRD-PARTY WEBSITES
The Platform may contain links to third-party websites, applications or services that are not owned or controlled by Primescore. Primescore is not responsible for the privacy practices, content or security of such third-party platforms.
Users are advised to review the privacy policies of such third parties before submitting any Personal Data to them.
23. AMENDMENTS TO THIS POLICY
Primescore may modify or update this Privacy Policy from time to time to reflect changes in Applicable Laws, business practices or operational requirements. Any revised Policy will be published on the Platform with the updated "Last Updated" date. Where required by Applicable Laws, fresh consent will be obtained before processing Personal Data for materially different purposes. Continued use of the Platform after such updates constitutes acceptance of the revised Policy, unless otherwise required by law.
24. GRIEVANCE REDRESSAL
Any User who has a complaint, query or request relating to this Privacy Policy or the processing of Personal Data may contact the Company's Grievance Officer using the details provided below:
Grievance Officer
Name: Sawai singh
Designation: Grievance Officer
Email: legal@primescore.in
Address: Plot no 42 Khasra no 134 Laxman nagar C Nandari Jodhpur (Raj)-342027
Primescore shall endeavor to acknowledge and address grievances within such period as may be prescribed under Applicable Laws.
25. LIMITATION OF LIABILITY
Primescore shall implement reasonable measures to safeguard Personal Data and process it in accordance with this Privacy Policy and Applicable Laws. However, Primescore shall not be liable for any loss, damage or unauthorized disclosure arising from the acts or omissions of third parties beyond its reasonable control, failures of internet, telecommunications or cloud infrastructure, inaccurate information provided by the User, unauthorized access resulting from the User's failure to safeguard account credentials, actions of banks, financial institutions, Credit Information Companies or governmental authorities, or any force majeure event beyond Primescore's reasonable control. Nothing in this Privacy Policy shall exclude or limit any liability that cannot be excluded under Applicable Laws.
26. DISCLAIMER
Primescore is a technology-enabled credit consultancy platform and is not a bank, lender, NBFC or Credit Information Company. It does not issue loans, determine or modify credit scores, maintain credit bureau databases, or guarantee correction of credit records, improvement of credit scores or loan approvals. Any changes to credit information are made solely by the relevant lender or Credit Information Company in accordance with Applicable Laws. The reports, analyses and recommendations provided by Primescore are for informational purposes only and do not constitute legal, financial or investment advice.
27. GOVERNING LAW AND JURISDICTION
Subject to Applicable Laws, the courts having jurisdiction at Jodhpur, Rajasthan, shall have exclusive jurisdiction to adjudicate any dispute arising out of or relating to this Privacy Policy, the processing of Personal Data or the use of the Platform.
28. SEVERABILITY
If any provision of this Privacy Policy is held to be invalid, illegal or unenforceable by any court or competent authority, such provision shall be severed to the extent of such invalidity without affecting the validity or enforceability of the remaining provisions.
29. NO WAIVER
Failure or delay by Primescore in exercising any right, remedy or provision under this Privacy Policy shall not operate as a waiver of such right or preclude the subsequent exercise thereof.
30. CONTACT US
For any questions, requests or concerns regarding this Privacy Policy or the processing of your Personal Data, you may contact us at:
Primescore Fintech Private Limited
Email: info@primescore.in
Registered Office: Plot no 42 Khasra no 134 Laxman nagar C Nandari Jodhpur (Raj)-342027
Website: https://www.primescore.in
ACKNOWLEDGEMENT
By accessing or using the Platform or availing any Services offered by Primescore, you acknowledge that you have read, understood and agreed to the collection, use, processing and disclosure of your Personal Data in accordance with this Privacy Policy.
Where consent is required under Applicable Laws, you expressly consent to such processing for the purposes set out herein.