Effective Date: September 2026
Welcome to InstaKredit.
InstaKredit is an educational and informational application designed to help users understand common financial topics and use simple financial calculation tools. The app may provide information related to loans, EMIs, credit scores, savings, and other personal-finance concepts.
This Privacy Policy explains how information may be handled when you use InstaKredit.
InstaKredit is designed to allow users to access its main educational features without submitting sensitive personal or financial information.
We do not intentionally collect sensitive information such as:
Bank account numbers
Debit or credit card details
UPI PINs or banking credentials
Banking passwords
Loan application documents
OTPs or authentication credentials
Limited technical information may be processed when necessary for app operation, diagnostics, or stability. This may include device type, operating system version, app version, crash information, and general technical diagnostics.
InstaKredit may provide tools such as an EMI Calculator, GST Calculator, SIP Calculator, and FD Calculator.
Information entered into these calculators is used to generate the requested calculation or estimate.
Calculator inputs are not intended to be maintained by InstaKredit as permanent personal financial records.
Calculator results are estimates and may differ from actual values depending on applicable rates, terms, taxes, financial institution policies, and other conditions.
Any limited technical information that may be available to us may be used to:
Improve application stability
Identify and resolve technical issues
Diagnose crashes and errors
Improve application performance
Understand general app functionality and usage
Maintain and improve the user experience
We do not use InstaKredit to request sensitive banking credentials from users.
InstaKredit is intended to provide an educational and informational experience.
If advertising is introduced in the future, this Privacy Policy may be updated to explain the relevant advertising technologies and data practices before or when such functionality is implemented.
Certain technical features of InstaKredit may be supported by third-party service providers, such as services used for crash reporting, analytics, hosting, or application performance monitoring.
Where applicable, these providers may process limited technical information necessary to provide their services.
Third-party services may have their own privacy policies and terms governing their handling of information.
We take reasonable measures to protect information associated with InstaKredit and to reduce the risk of unauthorized access, misuse, alteration, or disclosure.
However, no application, network, electronic transmission, or digital storage system can be guaranteed to be completely secure. Therefore, absolute security cannot be guaranteed.
InstaKredit is not intended for children under 13 years of age.
We do not knowingly request personal information from children under 13. If we become aware that personal information has been provided by a child under this age, we will take reasonable steps to address the situation.
InstaKredit is an educational and informational application only.
InstaKredit is not:
A bank
An NBFC
A lender
A financial institution
An investment advisor
A tax advisor
A credit provider
InstaKredit does not issue or approve loans, accept loan applications, provide credit facilities, process banking transactions, hold user funds, or facilitate financial transactions.
All financial information available through the app is provided for general educational purposes and should not be considered financial, investment, tax, banking, lending, or legal advice.
Users should independently verify important financial information with the relevant financial institution or qualified professional before making financial decisions.
We may update this Privacy Policy from time to time to reflect changes in the InstaKredit application, technology, applicable requirements, or our information-handling practices.
Any updated Privacy Policy may be made available through the application or the applicable InstaKredit website.
The Effective Date at the beginning of this policy indicates when the current version became effective.
If you have questions, feedback, or concerns regarding this Privacy Policy or InstaKredit, you can contact us at: