Effective Date: 01 May 2026
This Privacy Policy describes how Sky Credit ("Company", "We", "Us", or "Our") collects, uses, stores, processes, and protects your personal information when you access or use the Sky Credit mobile application, website, and related services ("Platform").
Sky Credit is not a direct lender and does not provide loans directly.Sky Credit is a digital loan facilitation platform that helps users access personal loan offers from RBI-registered NBFC partners through a fully digital process.
Lending Partner: POOJA FINSTOCK INTERNATIONAL LIMITED
RBI-Registered Non-Banking Financial Company (NBFC)
By accessing or using the Platform, you agree to the terms of this Privacy Policy. If you do not agree with this Policy, please do not use the Platform.
This Privacy Policy is prepared in accordance with applicable Indian laws and regulations relating to data protection and privacy.
By registering on or using Sky Credit, you expressly consent to:
If you do not agree with this Privacy Policy, please discontinue use of the Platform immediately.
To provide lending facilitation and related services, we may collect the following information:
Sky Credit does not collect or access your location information.
Used for video KYC, document uploads, and selfie verification.
Used for uploading documents and downloading loan agreements and statements.
SMS access, where applicable and permitted by law, is used only for OTP verification, account authentication, and financial transaction analysis related to loan eligibility assessment. We do not read, store, or share personal SMS unrelated to financial transactions.
Including POOJA FINSTOCK INTERNATIONAL LIMITED for loan processing, credit assessment, KYC verification, loan disbursal, and servicing.
Third-party vendors providing cloud hosting, verification services, analytics, customer support, communication services, and payment and banking integrations.
We may disclose information to comply with applicable laws, legal processes, or requests from government authorities, courts, regulators, or law enforcement agencies as required under law.
We do not sell your personal information to third parties.
By using the Platform and applying for loans, you authorize Sky Credit and its lending partners to obtain your credit report, verify your creditworthiness, and access bureau information from authorized credit bureaus. This may impact your credit score depending on the bureau inquiry process.
We implement reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, misuse, disclosure, loss, or alteration.
However, no digital platform can guarantee complete security.
We retain your information for as long as necessary to provide services, comply with legal and regulatory obligations, and resolve disputes or prevent fraud.
Users may request deletion of their data by contacting support@skycreditloans.com. Requests are processed in accordance with applicable regulatory obligations.. However, certain information may continue to be retained where required under applicable law or RBI regulations.
The Platform may use third-party SDKs, APIs, or external links for analytics, verification, payment processing, and customer engagement. Such third parties may collect limited information necessary for providing services. Their use of information is governed by their respective privacy policies.
Sky Credit services are intended only for individuals above 18 years of age. We do not knowingly collect personal information from minors.
By using Sky Credit, you authorize us and our partners to contact you through phone calls, SMS, WhatsApp, email, push notifications, and RCS messages for loan application updates, EMI reminders, service communications, and promotional and marketing purposes.
You may opt out of promotional communications at any time.
We reserve the right to update or modify this Privacy Policy at any time. Updated versions will be posted on the Platform with the revised effective date. Continued use of the Platform after updates constitutes acceptance of the revised Policy.
For any questions, concerns, or grievances regarding this Privacy Policy, please contact:
Sky Credit Support
Email: support@skycreditloans.com
Website: https://skycreditloans.com
In accordance with applicable laws and RBI guidelines, the details of the Grievance Officer are provided below:
Name: Shubham Pandey
Email: grievance@skycreditloans.com
Contact Number: +91-7517549829
Working Hours: Monday to Saturday, 10:00 AM to 6:00 PM
We aim to resolve complaints and grievances within a reasonable time from the date of receipt.
Sky Credit is a technology platform that facilitates loan applications with RBI-registered NBFCs and financial institutions. Loan approval, disbursal, interest rates, tenure, and repayment terms are determined solely by the respective lending partner based on eligibility and internal credit policies.
Use of the Platform does not guarantee loan approval.