Be among the first to leverage Light seamless UPI & RuPay credit transactions.

Last Updated: January 2026

Light (“Light”, “we”, “our”, or “us”) is committed to protecting the privacy and security of users (“you”, “your”) who access and use the Light website and the Light Credit feature available through supported UPI applications (collectively, the “Services”). This Privacy Policy explains how we collect, use, share, store, and protect your information when you use Light Credit on a UPI app or visit our website.
By accessing or using the Services, you agree to the terms of this Privacy Policy.

This Privacy Policy applies to: - The Light website; - Light Credit services accessed via UPI-enabled applications; - Related communications, customer support, and services.
This policy does not apply to third-party websites, UPI apps, banks, or service providers that may have their own privacy policies.

2. Information We Collect

2.1 Information You Provide

We may collect the following information when you use Light Credit or interact with us: - Personal details such as name, mobile number, email address, and date of birth; - KYC-related information as required under applicable laws (e.g., identity proof, address proof); - UPI identifiers and transaction-related details required to provide credit services; - Communication details when you contact us for support or inquiries.

2.2 Information Collected Automatically

When you access the Services, we may automatically collect: - Device information (device type, operating system, browser type); - IP address and approximate location; - Usage data, including pages visited, timestamps, and interaction logs; - Cookies and similar tracking technologies (see Section 9).

2.3 Information from Third Parties

We may receive information from: - UPI apps, partner banks, NBFCs, or regulated financial institutions; - Credit bureaus and verification agencies, where permitted by law; - Service providers assisting with fraud prevention, analytics, or compliance.

3. How We Use Your Information

We use your information for the following purposes: - To provide, operate, and improve Light Credit services on UPI apps; - To assess eligibility, process transactions, and manage credit limits; - To comply with KYC, AML, and other regulatory requirements; - To detect, prevent, and investigate fraud, security incidents, or misuse; - To communicate with you regarding transactions, updates, and support; - To comply with legal obligations and enforce our terms.

4. Sharing of Information

We do not sell your personal data. We may share your information only as necessary with: - Partner banks, NBFCs, and UPI platform providers to enable Light Credit; - Regulatory authorities, law enforcement agencies, or government bodies, when required by law; - Service providers and vendors who process data on our behalf under strict confidentiality obligations; - Credit bureaus, as permitted under applicable regulations.
All such sharing is done in accordance with applicable data protection laws.

5. Data Storage and Security

We implement reasonable administrative, technical, and physical safeguards to protect your information, including: - Secure servers and encrypted data transmission; - Access controls and monitoring; - Periodic security reviews and audits.
While we strive to protect your data, no system is completely secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information only for as long as necessary to: - Provide the Services; - Meet legal, regulatory, tax, and accounting requirements; - Resolve disputes and enforce agreements.
Once data is no longer required, it is securely deleted or anonymized in accordance with applicable laws.

7. Your Rights and Choices

Subject to applicable laws, you may have the right to: - Access and review your personal information; - Request correction or update of inaccurate data; - Withdraw consent, where applicable; - Request deletion of your data, subject to legal and regulatory obligations.
You may exercise these rights by contacting us using the details provided in Section 11.

8. Regulatory Compliance

Light Credit services are provided in compliance with applicable Indian laws and regulations, including those issued by the Reserve Bank of India (RBI) and relevant data protection laws.

9. Cookies and Tracking Technologies

We use cookies and similar technologies to: - Improve website functionality and performance; - Understand usage patterns; - Enhance user experience.
You can manage cookie preferences through your browser settings.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on the Light website with an updated “Last Updated” date. Continued use of the Services after such changes constitutes acceptance of the revised policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your data, please contact us at:
Light Support Team
Email: support@lightcred.com
Website: https://www.lightcred.com

This Privacy Policy is intended to provide transparency regarding our data practices and does not create any contractual rights beyond applicable law.