Account & Data Deletion Policy – CreditSea

Effective Date: September 26, 2025

Creditsea respects your right to control your personal information. This page explains how you can request deletion of your account and associated personal data, even if you never created a full customer login, and the conditions under which we may retain certain information.

1. How to Request Deletion

You can request deletion at any time—whether you created a loan account or only shared data for a credit check.

Steps

Send an email from your registered email ID to help@creditsea.com
Subject line: Account/Data Deletion Request
Provide the following for verification:
- Full Name
- Registered Mobile Number
- Last 4 digits of Loan / Customer ID (if any)
- Last 4 digits of a Government ID used for KYC
We will acknowledge your request within 7 days and complete eligible deletion within 30 days, except for data we are legally required to retain.
If you do not have an account but believe CreditSea has processed your information (for example, during a credit eligibility check), include the phone number or email used so that we can locate your records.

2. What Will Be Deleted

Profile details, contact information, and login credentials
Financial and credit data held by CreditSea that are not subject to legal retention
Device and technical data collected through our mobile app
Deletion covers active systems and backups. Backup copies are purged automatically within 90 days of primary deletion.

3. Data We May Need to Retain

We may retain specific information only as long as required by law or regulation, including but not limited to:

Loan and repayment records, KYC documents, tax invoices, and credit-bureau submissions – up to 10 years as mandated by the Reserve Bank of India, Income-Tax Act, and the Digital Personal Data Protection Act 2023.
Information needed for fraud detection, dispute resolution, or legal claims.
Such retained data will be used solely for these purposes and then securely deleted.

4. Outstanding Obligations

If you have an active loan or unpaid dues, deletion will be paused until all obligations are settled. You may still submit the request; we will notify you of any pending requirements.

5. Confirmation

Once your request is fulfilled, you will receive a final confirmation email stating that your account and associated personal data (except legally retained records) have been deleted.

6. Contact & Grievance Redressal

Email: help@creditsea.com

Phone: +91 92402 54922

Grievance Officer: Mr. Romel Kumar – +91 95893 93499 – romelkumar@creditsea.com

Registered Office:SO-11, 3rd Floor, Magneto The Mall, Telibandha, Raipur, Chhattisgarh 492001, India

Consent & Updates

By submitting a deletion request you confirm that you understand the conditions above. This page may be updated from time to time; the latest version will always be available at https://www.creditsea.com/account-deletion