Effective Date: 1st September 2025

Profitag Technologies Private Limited (“Light”, “we”, “our”, or “us”) operates the Light app, which provides credit on UPI services (“Service”). We value your trust and are committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and safeguard your personal information.

1. Information We Collect

When you use the Light app, we may collect the following information:

• Personal Information: Name, mobile number, email, date of birth, PAN, Aadhaar (as per regulatory requirements).
• Financial Information: Bank account details, credit/debit history, repayment data, UPI transaction details.
• Device Information: Device model, operating system, IP address, app version.
• Usage Data: App activity, preferences, crash logs, and analytics.

2. How We Use Your Information

We use the collected data to:

• Verify your identity and assess creditworthiness.
• Facilitate credit disbursement and UPI payments.
• Improve our app’s performance and user experience.
• Send important updates, reminders, and support messages.
• Comply with legal, regulatory, and KYC requirements.

3. Sharing of Information

We do not sell or rent your personal information. However, we may share data with:

• Regulated financial institutions/partners for credit and UPI services.
• Credit bureaus to assess credit scores.
• Service providers for customer support, analytics, and cloud hosting.
• Regulators or law enforcement if required by law.

4. Data Security

We use bank-grade encryption, secure servers, and strict access controls to protect your data from unauthorized access, disclosure, or misuse.

5. Your Rights

You have the right to:

• Access and update your personal information.
• Request deletion of your account and related data (subject to regulatory retention).
• Withdraw consent for non-essential data processing.

6. Cookies & Tracking

We may use cookies and similar technologies to improve user experience, app performance, and security.

7. Third-Party Services

Our app may contain links or integrations with third-party services (e.g., UPI apps, payment gateways). Their privacy practices are governed by their respective policies.

8. Children’s Privacy

Light is not intended for individuals under 18 years of age. We do not knowingly collect data from minors.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be notified within the app or on our website.

10. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us:

Profitag Technologies Private Limited
Email: info@lightcred.com