Privacy Policy

1. Introduction

Baba Basukinath Retailing Private Limited (“CarCred”, “we”, “us”) respects your privacy. This Privacy Policy explains how we collect, use, store, and share personal information when you use our website and dealer-finance platform (collectively, the “Services”).

By using the Services, you acknowledge this Policy. If you do not agree, please discontinue use. We may update this Policy; we will revise the “Last updated” date above when we do.

2. Information we collect

• Account & business data: name, work email, phone, dealership or organisation name, role, and credentials you provide when registering or communicating with us.
• Transaction & workflow data: deal references, application metadata, documents you upload where applicable, status updates, and communications sent through the Platform in the ordinary course of service delivery.
• Technical data: IP address, device/browser type, approximate location derived from IP, log data, and cookies or similar technologies as described below.

3. How we use information

We use information to provide, secure, and improve the Services; authenticate users; facilitate lender submissions where you instruct us to; communicate operational updates; comply with law; and detect fraud or abuse.

We may use aggregated or de-identified data for analytics and product improvement in a form that does not identify individuals.

4. Legal basis (where applicable)

Where Indian law requires a specified ground for processing, we rely on performance of a contract, legitimate interests (such as securing our Platform and improving services), consent where we ask for it, and legal obligation where applicable.

5. Sharing & disclosure

We may share information with lenders, technology vendors (hosting, email, analytics), and professional advisers where necessary to operate the Services or meet legal requirements. We require processors to protect data appropriately.

We may disclose information if required by law, court order, or government request, or to protect the rights, safety, or integrity of CarCred, our users, or the public.

We do not sell personal information in the traditional sense. If we ever offer optional data practices that constitute a “sale” under future regulations, we will provide a clear choice mechanism.

6. Retention

We retain information for as long as needed to provide the Services, meet legal, tax, or regulatory obligations, resolve disputes, and enforce agreements. Retention periods may vary by data category and contract.

7. Security

We implement administrative, technical, and organisational measures designed to protect personal information. No method of transmission or storage is completely secure; we encourage strong passwords and safe handling of customer data on your side.

8. Your rights & choices

Depending on applicable law, you may have the right to access, correct, or delete certain personal data, or to object to or restrict certain processing. To exercise rights, contact us using the details below. We may need to verify your request.

You can control cookies through browser settings; disabling some cookies may affect functionality.

9. Children

The Services are not directed at children. We do not knowingly collect personal information from children. If you believe we have done so, contact us and we will take appropriate steps.

10. Contact (privacy)

Questions about this Policy or our data practices: privacy@carcred.co.in or info@carcred.co.in.

Postal address: Baba Basukinath Retailing Private Limited, Ring Road No. 1, Raipura, Raipur - 492009, Chhattisgarh, India.