This Privacy Policy applies to Hyper Credit, a digital platform operated by STACKFIN TECHNOLOGY PRIVATE LIMITED (“STACKFIN”, “Hyper Credit”, “we”, “us”, or “our”).
Hyper Credit is designed to provide eligible users with access to and management of revolving credit facilities made available through applicable financial service providers or lending partners.
We understand that information relating to an individual is important and should be handled responsibly. This Privacy Policy explains the categories of information that may be collected when you use Hyper Credit, the reasons for processing that information, the circumstances in which information may be disclosed, and the choices that may be available to you.
By creating an account or using Hyper Credit, you acknowledge that you have reviewed this Privacy Policy. Where a particular type of information requires your consent, the relevant consent or permission will be requested through the application or another appropriate channel.
This Privacy Policy applies to information associated with your use of Hyper Credit, including information provided during registration, account verification, credit-related activities, customer service interactions, and other functions available through the application.
It also covers certain technical information generated when the application communicates with our systems.
The information collected and the purposes for which it is processed may vary depending on the features you use, the financial services available to you, the permissions you grant, and applicable legal requirements.
Hyper Credit is a technology platform intended to facilitate access to revolving credit services.
A revolving credit facility differs from a conventional one-time borrowing arrangement because an eligible user may have access to a defined credit limit and may use available credit within that limit in accordance with the applicable terms.
When an amount previously utilized from the available credit is repaid, the corresponding credit availability may be restored, subject to account status, eligibility, repayment performance, and the rules applicable to the relevant financial service provider.
Where another financial institution or lending partner provides the underlying financial facility, that institution may be responsible for decisions concerning eligibility, credit limits, utilization, repayment requirements, and continuation of the facility.
The information associated with your Hyper Credit account may come from several sources, including information you submit, information generated through use of the application, and information obtained from authorized sources where permitted.
Depending on the circumstances, this may include:
We do not necessarily collect every category of information from every user.
When you create or maintain a Hyper Credit account, you may be required to provide information needed to establish your account and verify your identity.
This may include your name, mobile number, email address, date of birth, address, occupation, income information, and other details relevant to the services you request.
Providing accurate information is important because inaccurate or incomplete information may prevent us or an applicable financial partner from properly verifying your account or determining your eligibility.
Certain Hyper Credit functions may require additional verification.
For example, we may request identification documents, photographs, or other supporting information when necessary to confirm that an account is being used by the appropriate individual.
Verification information may be used to:
Information submitted for verification may be processed by authorized verification or technology providers where necessary to complete the relevant procedure.
Because Hyper Credit facilitates revolving credit services, information relevant to financial eligibility and account servicing may be processed.
Depending on the applicable service, this may include information relating to income, banking activity, credit history, financial obligations, transaction activity, credit utilization, and repayment behavior.
Where permitted and appropriately authorized, information may also be obtained from recognized financial or credit information sources.
Such information may assist the relevant financial service provider in assessing eligibility, establishing or reviewing an available credit limit, monitoring the credit relationship, and managing repayment-related activities.
Hyper Credit may request certain permissions from your mobile device when a particular feature requires access to the relevant device function.
Permissions are requested for defined purposes and are not intended to provide unrestricted access to your device.
Camera functionality may be used to allow you to capture or submit information required for identity verification or document submission.
For example, the camera may be used to photograph an identification document or complete an applicable verification process.
Where location permission is enabled, relevant location information may be used for purposes such as determining whether the service is available in a particular area, supporting security measures, identifying potentially abnormal activity, and maintaining appropriate operational controls.
If SMS permission is requested and you grant the applicable permission, Hyper Credit may process relevant financial or transactional messages where necessary for permitted credit-related purposes.
This may include certain banking notifications, payment alerts, transaction confirmations, or other financial messages that are relevant to the requested service.
SMS access is intended to support defined financial-service functions and is not intended to monitor ordinary personal conversations.
You can manage application permissions through your device settings. Certain features may become unavailable if a required permission is disabled.
When Hyper Credit is used, our systems may automatically receive certain information required for the application to operate properly.
This may include:
This information may help us diagnose technical issues, improve system reliability, protect accounts, identify unusual activity, and maintain the security of the application.
Information may be processed for purposes associated with providing and administering Hyper Credit services.
These purposes may include:
We seek to process information for purposes that are reasonably connected with the operation of Hyper Credit and the services requested by users.
Information generated through the use of a revolving credit facility may be recorded and processed for account administration.
This may include information regarding:
This information may be provided to or reviewed by an applicable financial partner where necessary to manage the credit relationship.
We may provide relevant information to organizations or individuals that have a legitimate need to process it in connection with Hyper Credit.
Depending on the circumstances, these recipients may include:
Financial Service Providers: Organizations responsible for providing, evaluating, administering, or servicing the revolving credit facility.
Verification Organizations: Providers that assist with identity checks, document verification, fraud detection, or related security processes.
Technology Vendors: Companies providing hosting, infrastructure, security, software, data storage, communications, maintenance, or other technical services.
Customer Service Providers: Authorized organizations supporting customer inquiries and account-related assistance.
Professional or Compliance Advisors: Where access is reasonably necessary for legal, accounting, auditing, compliance, or risk-management purposes.
Government or Law-Enforcement Authorities: Where disclosure is required by applicable law or pursuant to a valid legal or regulatory process.
We maintain reasonable safeguards intended to reduce the risk of unauthorized access, alteration, disclosure, loss, or misuse of personal information.
Depending on the nature of the information and the relevant risks, safeguards may include controlled access, authentication mechanisms, secure infrastructure, encryption or equivalent technologies, monitoring procedures, and internal security controls.
Access to information is restricted based on legitimate business requirements.
Despite reasonable security measures, no electronic transmission or storage environment can be guaranteed to be completely secure.
Information may be retained for the period necessary to provide the service, administer an account, maintain appropriate records, address security concerns, resolve disputes, or comply with applicable legal and regulatory obligations.
The applicable retention period may depend on the type of information, the purpose for which it was collected, the status of your account, the existence of an ongoing credit relationship, and legal record-keeping requirements.
After the relevant retention period expires, information may be deleted, anonymized, or otherwise handled in accordance with applicable requirements.
Closing an account does not necessarily result in immediate deletion of every associated record.
Depending on applicable law, you may have certain rights concerning your personal information.
These may include the ability to:
Some requests may be subject to verification or legal limitations.
For example, certain information may need to be retained because of financial, regulatory, fraud-prevention, or dispute-resolution requirements.
If you no longer wish to use Hyper Credit, you may contact us regarding account closure.
You may also submit a request concerning deletion of personal information where applicable.
We will assess each request in light of applicable legal and operational requirements.
Information that must be retained for regulatory, accounting, security, fraud-prevention, dispute-resolution, or other legally permitted purposes may remain stored for the required period.
We may process relevant information to protect Hyper Credit, its users, and associated financial service providers from fraud, unauthorized activity, and misuse.
Security-related processing may involve account activity, device information, verification information, transaction-related information, and other relevant technical indicators.
These measures may be used to identify unusual activity, prevent unauthorized account access, investigate suspected misuse, and protect the integrity of the revolving credit service.
We may use your registered contact information to send service-related communications.
These may include:
Certain operational communications may be necessary for the proper administration and security of your account.
Hyper Credit is intended for users who are legally eligible to access the financial services made available through the platform.
We do not knowingly seek personal information from individuals who are not legally eligible to use the relevant services.
If we become aware of information relating to an ineligible user, we may take appropriate steps in accordance with applicable law.
Our privacy practices may change as our platform, services, technology, business relationships, or legal requirements develop.
We may therefore revise this Privacy Policy periodically.
Where required, we may notify users of significant changes through the application, website, email, or another appropriate method.
The revised version will apply from the effective date shown in the updated policy.
Questions, privacy requests, complaints, or concerns regarding the handling of personal information may be submitted using the contact information below.
STACKFIN TECHNOLOGY PRIVATE LIMITED
Application: Hyper Credit
Email: help@stackfin.cc
Registered Address:
SAROJANIL VATIKA, BANK COLONY, GOSAIDIH, BHUIPHORe,
DHANBAD, Jharkhand, India – 828109
By using Hyper Credit, you acknowledge that you have reviewed this Privacy Policy and understand the general categories of information that may be processed in connection with the platform and its revolving credit services.
Where separate consent is legally required for a particular activity, the relevant consent will be obtained through an appropriate mechanism.