Privacy Policy

1. Introduction

NCF Score Booster Private Limited ("NCF Score Booster", "we", "our", or "us") respects the privacy of visitors, customers, partners and users of our website and services.

This Privacy Policy explains how information may be collected, used, stored, protected and processed when you visit our website, contact us, submit an enquiry, request credit report analysis, seek credit improvement guidance or use our services.

By using our website or voluntarily submitting information to us, you acknowledge that you have read and understood this Privacy Policy.

2. About NCF Score Booster

NCF Score Booster Private Limited provides credit report analysis, credit improvement guidance, credit-related support and other services described on our website.

Our services may include assistance relating to credit report information, credit disputes, loan-related guidance, debt management, commercial credit and other credit-related matters, subject to applicable policies, documentation and eligibility.

3. Information We May Collect

Depending on the service or interaction, we may collect information voluntarily provided by you, including:

• Name and contact details
• Mobile number and WhatsApp number
• Email address
• City, district and state
• Information submitted through enquiry or service forms
• Information required for credit report analysis
• PAN or other identification information where specifically required and lawfully provided
• Loan and credit-account information provided by you
• Credit report information voluntarily submitted by you
• Documents voluntarily submitted for service purposes
• Service-related communication and correspondence
• Information relating to your requested service

4. Credit Report and Financial Information

Some of our services may require customers to voluntarily provide information relating to their credit profile, credit report, loan accounts, repayment history, DPD, account status, settlement, written-off accounts, account-sold information or other credit-related information.

5. How We Collect Information

Information may be collected when you:

• Submit an enquiry through our website
• Contact us by telephone
• Contact us through WhatsApp
• Submit a service request
• Provide documents for analysis
• Request credit report-related assistance
• Apply for partnership or business opportunities
• Communicate with our representatives

6. How We Use Your Information

Information collected from you may be used for legitimate business and service purposes, including:

• Responding to enquiries and service requests
• Providing credit report analysis
• Providing credit improvement guidance
• Understanding credit-report related concerns
• Assisting with credit-report dispute processes
• Providing requested loan-related assistance
• Providing debt-management related guidance
• Providing commercial credit-related assistance
• Communicating about your service request
• Processing applicable service payments
• Maintaining service and business records
• Improving our website and services
• Preventing misuse, fraud or unauthorized activity
• Complying with applicable legal requirements

7. Credit Report Analysis and Dispute Assistance

When a customer requests assistance relating to a credit report, the information supplied by the customer may be reviewed to understand the reported issue and identify appropriate steps for raising a dispute, requesting clarification or seeking correction from the concerned lender or credit information company.

NCF Score Booster does not independently alter credit bureau records or lender records. Corrections, dispute outcomes, account-status changes and credit-score changes are ultimately subject to the concerned lender, financial institution, credit information company and applicable rules.

8. Communication With Customers

We may contact you using information voluntarily provided by you for purposes connected with your enquiry, service request, documentation, appointment, payment, support or other legitimate business communication.

Communication may take place through telephone calls, WhatsApp, SMS, email or other available communication channels.

9. WhatsApp Communication

If you choose to communicate with us through WhatsApp, information shared through WhatsApp may be processed through the WhatsApp platform and its applicable privacy and security practices.

Customers should avoid sending unnecessary confidential authentication credentials through WhatsApp.

10. Payment Information

Where online or electronic payment facilities are used, payment processing may be handled by the relevant payment service provider.

We do not intentionally collect or store sensitive payment authentication information such as UPI PINs, banking passwords or card PINs through our website.

11. Information Sharing

We do not sell or rent your personal information for unrelated commercial purposes.

Information may be shared where reasonably necessary for:

• Providing a service requested by you
• Processing payments
• Operating and maintaining our website
• Providing technical or communication services
• Responding to lawful requests
• Complying with applicable legal requirements
• Protecting our rights, property or legitimate interests
• Preventing fraud, misuse or unauthorized activity

12. Third-Party Service Providers

Our website or business operations may use third-party service providers for functions such as:

• Website hosting
• Website analytics
• Forms and enquiry management
• Payment processing
• Communication services
• WhatsApp or messaging services
• Maps and location services
• Website security and technical services

Third-party providers may process information according to their own applicable terms and privacy policies.

13. Cookies and Similar Technologies

Our website may use cookies or similar technologies to improve website functionality, remember preferences, understand website usage and improve user experience.

You may control or disable cookies through your browser settings. Disabling certain cookies may affect some website functionality.

14. Data Security

We take reasonable administrative, technical and organizational measures to protect information against unauthorized access, misuse, alteration, disclosure or destruction.

However, no method of electronic transmission, communication or storage can be guaranteed to be completely secure.

15. Data Retention

We may retain information for as long as reasonably necessary to provide requested services, maintain business records, resolve disputes, comply with legal obligations and protect legitimate business interests.

When information is no longer reasonably required, it may be deleted, anonymized or securely disposed of, subject to applicable legal and operational requirements.

16. User Responsibility

Users are responsible for ensuring that the information they provide is accurate, lawful and belongs to them or that they have appropriate authorization to provide it.

Users should not submit another person's confidential financial, identity or credit information without appropriate authorization.

17. Documents Submitted by Customers

Customers may voluntarily submit documents for credit report analysis, dispute assistance, loan-related guidance or other requested services.

Customers should provide only documents and information that are reasonably necessary for the requested service.

18. Children's Privacy

Our services are not specifically directed toward children. We do not knowingly request personal financial or credit information from children without appropriate legal or parental authorization.

19. External Links

Our website may contain links to external websites, applications or third-party platforms.

We are not responsible for the privacy practices, content, security or policies of external websites. Users should review the applicable privacy policy before submitting information through any third-party website or platform.

20. Marketing and Promotional Communication

Where permitted and where you have provided appropriate contact details, we may send information about our services, updates, offers or business communications.

You may request that promotional communication be stopped, subject to applicable legal and operational requirements.

21. Your Privacy Choices

Subject to applicable law, you may contact us regarding questions about personal information you have provided, request clarification about its use or raise concerns regarding privacy and data handling.

Where applicable, we will consider reasonable requests relating to access, correction, updating or deletion of personal information, subject to legal, contractual and legitimate business requirements.

22. Business and Legal Compliance

We may process or retain information where necessary to comply with applicable laws, regulations, legal proceedings, lawful requests, accounting requirements, dispute resolution or legitimate business obligations.

23. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, business practices or applicable legal requirements.

The updated version will be published on this page with a revised "Last Updated" date.

24. Contact Us Regarding Privacy