Privacy Policy

The "LaxmiCreditPro" application (referred to below as "this Application"), which is built and operated by SHISH GLOBAL SOLUTIONS PRIVATE LIMITED, is governed by the Privacy Policy set out below.

Keeping your personal data and privacy secure is a duty we treat with the greatest seriousness. We are committed to handling your information in complete accordance with every applicable law throughout each phase of its collection, use, and protection. Before you start using this Application, we strongly urge you to go through this Privacy Policy carefully, so that you gain a full understanding of the way your personal data is treated. We follow India's Personal Data Protection Act and all other relevant legislation strictly, and we rely on internationally recognized information security frameworks to protect your personal data and defend your privacy rights.

Statement of Policy

This Privacy Policy sets out in full the lawful methods through which we collect, use, store, share, and transfer your personal information while delivering LaxmiCreditPro products and associated services, together with the technical and organizational safeguards we put in place to keep that information protected. For the sake of transparency, this document has been written in plain, easy-to-follow language, with important terms explained wherever they first come up.

By finishing the registration process, you affirm that you have read and fully understood this Privacy Policy, and that you agree to our collecting and using your personal information in line with this policy and the applicable legal requirements. Before you submit any sensitive information, please pause to consider whether you accept the purposes and methods explained here. Sensitive information is gathered and used only with your clear and informed consent, which is necessary for LaxmiCreditPro services to function properly. You are free to withhold sensitive information, although this may limit your access to certain features. If you disagree with, or cannot fully understand, any part of this policy, please stop using our products and/or services right away. Whenever you have questions, please reach out to our customer support team.

This Application and the services it offers are intended solely for people who are 18 years of age or above. If you have not yet reached 18, please stop using LaxmiCreditPro services immediately.

This Privacy Policy is intended to help you understand the following:

What information we gather and the ways it is used
How personal information is used
How personal information is shared
The measures we take to protect your personal information
How we uphold your rights to manage your own personal information
Our policy on third-party access and data sharing
How Cookies are used
Safeguarding the privacy of minors
How this policy is updated and revised
How to contact us and share feedback

1. What Information We Collect and How We Use It

Consistent with India's current laws and regulations, and to serve the purposes outlined in this Privacy Policy, we collect and use your personal information guided by the principles of lawfulness, fairness, and necessity. This covers information you willingly supply while using LaxmiCreditPro services, data produced through your interactions with those services, and information obtained lawfully from third parties. We collect and use your information only after you have granted your explicit consent. Except where the law permits it or where it is needed to protect important legitimate interests of yourself or others, we will neither gather information without your authorization nor collect any personal information that applicable laws or regulations prohibit.

1.1 Registering an Account and Logging In

To set up an account on the LaxmiCreditPro application and use its related services, the only registration detail we collect is your mobile phone number. This number serves as the basis for identity verification, account setup, and login authentication, and is central to keeping your account secure, confirming who you are, and enabling uninterrupted service. We stay fully committed to complying with every relevant law and regulation, and we apply suitable technical and organizational controls to protect your phone number. Beyond what you willingly choose to share, no other personal information is collected. If you decline to provide your phone number, or if verification does not succeed, registration and login cannot go ahead, which will affect your access to some service features. If you need help while using the app, please contact LaxmiCreditPro customer support — we are always glad to assist.

1.2 How Personal Information Is Collected and Used

While using LaxmiCreditPro services, you must supply accurate and valid identity information, which is used to support risk evaluation and eligibility review by the financial institutions we partner with. The information involved includes: full name, gender, date of birth, the type and number of your identification document, ID photograph, biometric data, educational background, marital status, religious affiliation, the name and phone number of your emergency contact, your relationship with that contact, occupation, employer information, monthly income, and bank account details, among others.

We may bring in suitably qualified third parties to carry out identity verification. Where applicable law allows, we may also cross-check and verify information against national databases or against financial institutions that are legally authorized to hold such records. The information gathered is used for identity authentication, risk assessment, service matching, and the security of transactions between users and the platform. We are committed to collecting and using your information only to the extent required for contract performance or service delivery, and solely with your explicit consent, while keeping rigorous technical and organizational controls in place to ensure data security. Opting not to provide relevant identity information may restrict access to certain loan-matching features, but it will not prevent you from browsing the platform's core content.

1.3 How Device Information Is Collected and Used

To keep platform operations stable, transaction environments secure, service quality high, and risk control and anti-fraud capabilities strong, we may collect the following categories of device information when you use the LaxmiCreditPro application and its related services:

Device Information: For platform security assurance, device identification, and risk management, we may collect certain device-related data to help with identity verification, risk evaluation, and anti-fraud analysis, thereby making credit services more secure and accurate. Declining to share device information will not impair the platform's core functionality, though it may lower the precision of our risk-level assessments, which could in turn influence service recommendations and evaluation outcomes. The information that may be collected includes: device name, device model, device brand, operating system and version, screen dimensions, memory details, Android ID, IP address, Google Advertising ID (Google advertising identifier), language settings, carrier name, network access method, battery status, and similar data.
Call Log Permission: In some cases during the verification code login process, you may have trouble receiving SMS-based verification codes. To address this and keep the login experience smooth, we provide an alternative way of delivering verification codes by phone call. Granting this permission allows voice-based verification to be completed more quickly. This permission is completely optional and may be refused without affecting your ability to use the application.
List of Installed Applications: To strengthen risk management and maintain service compliance and security, we may — with your explicit authorization — collect the list of applications installed on your device. By reviewing this application data, we can spot potential high-risk behavior such as use of gambling platforms or virtual currency transactions, which lets us refine risk models and adjust control strategies accordingly. The application details that may be collected include: application name, package name, installation and update timestamps, version number, and whether the application is a system app, among others. All collected data is securely transmitted to an encrypted storage facility at https://l5c5p3.com and protected with appropriate encryption measures. Without your authorization, this information will not be used for any other purpose or disclosed to any third party. Refusing to grant this permission will not affect the platform's core functions, though it may reduce the accuracy of personalized recommendations and risk evaluations.
Phone Contact Information: When you submit a loan application through our platform, we may need to retrieve emergency contact details from your address book in order to lower fraud risks, confirm your credit standing, and keep reliable channels of communication with you. The details retrieved include the contact's phone number, full name, and their relationship to you. All collected data is securely transmitted to an encrypted storage facility at https://l5c5p3.com and protected with appropriate encryption. Without your authorization, this information will not be used for any other purpose or shared with any third party.
Camera Permission: To keep the identity verification process secure and compliant, we may request access to your device camera when you use the identity verification feature, so you can photograph your ID document (KTP). This lets us confirm that your identity information is authentic and consistent, guard against identity fraud, and reinforce the integrity of the verification process. Images captured this way are used only for identity verification, stored at https://l5c5p3.com, and protected with encryption. Without your authorization, they will not be used for any other purpose or shared with any third party. Refusing camera access may cause verification to fail, which could affect your access to related services.
Images: As an alternative during identity verification, you may upload a photo of your ID document (KTP) directly from your device gallery. We will not request or keep any other kinds of images. Photos collected this way are used solely for identity verification, stored at https://l5c5p3.com, and protected with encryption. Without your authorization, they will not be used for any other purpose or disclosed to any third party.
Approximate Location Information Permission: To support account security verification, run risk assessments, and satisfy applicable regulatory requirements, we may collect approximate location data from your device when you use the LaxmiCreditPro application. Location data helps us detect unusual account activity — for example, logins from rapidly changing geographic areas or loan applications submitted from multiple regions — which lets us activate risk control measures promptly, prevent fraudulent behavior, and protect the security of your account and transactions. The approximate location data we collect consists of latitude and longitude coordinates. This data is used only for risk control and compliance, and is never applied to any advertising or marketing activity. Refusing this permission will not disrupt the platform's basic functions, but may limit our ability to spot risks, which could affect the precision of loan matching and risk evaluations.
Notification Permission: So that you receive timely updates on important matters such as loan application progress, policy revisions, and risk alerts, your authorization to send notifications is needed. Once granted, you will receive these critical messages promptly, which helps you stay informed about your loans and keep your account secure. If you decline, you may miss some important notifications, though your ability to apply for or use services remains unaffected. Notifications are limited to service-related information, and this permission is never used to collect your personal data, ensuring your privacy stays protected at all times.
Activity Logs: While you use this platform, we may collect operational log data such as access times, pages viewed, and click activity. This log data is used to monitor platform performance, gauge system efficiency, identify potential issues and security vulnerabilities, and drive ongoing improvement of product features and the overall user experience. We commit to using this log data only for internal service improvement. It is kept strictly confidential, is not repurposed, and will not be shared with any third party without your consent.

The collection of this information is confined to assessing your creditworthiness, verifying your identity, and keeping your account secure. You will be clearly told what type of information is required before any collection takes place, and collection proceeds only once we have received your explicit consent. Without your consent, no information is collected, shared, or transferred to any third party. We are committed to enforcing strong security measures that give your personal information the highest possible level of protection and guard against unauthorized access, disclosure, or misuse.

2. How Personal Information Is Used

2.1 Rules Governing the Use of Personal Information

Your personal information is handled according to the principles of lawfulness, fairness, and necessity. The governing rules are set out below:

Your personal information is used only within the scope described in this policy and purely for the purpose of providing services to you. Where we need to use your information for purposes this policy does not cover, we will first obtain your explicit consent as required by applicable laws, regulations, and standards.
We collect and use your information only to the minimum degree needed to carry out our business functions, avoiding excessive data processing and strictly following the data minimization principle.
To strengthen data security and raise service quality, we may de-identify or anonymize collected personal information so that it can no longer be linked to any identifiable individual. You agree that we may use such processed data for analysis, statistics, and product optimization, and that it may be shared with third parties or made public in the form of aggregated statistics containing no personally identifiable information.
If you have questions or concerns about how we use or process your personal information, you may contact us at any time through the "Contact Us" section at the end of this policy. If you suffer harm as a direct result of our breach of applicable laws or regulations, we will bear the corresponding legal responsibility.

2.2 Situations Where Consent Is Not Needed

Under India's Personal Data Protection Act and related regulations, there are specific situations in which we may collect and use your personal information without first obtaining consent:

To meet obligations mandated by law;
In matters directly relating to national security or defense;
In connection with public safety, public health, or significant public interests;
In support of law enforcement activities, including criminal investigations, prosecutions, judicial proceedings, and the enforcement of legal judgments;
To protect the life, property, or other major legitimate rights and interests of you or of other individuals, especially in urgent situations where obtaining consent in time is not practical;
To fulfill or perform contracts at your request as a party to those contracts;
To keep our products and services operating safely and steadily, such as detecting and resolving security vulnerabilities, product faults, or service disruptions;
Other situations prescribed by applicable laws, regulations, and government directives.

In any of the situations above, your personal information will be used only to the extent strictly necessary and in a proportionate way, with continuing measures in place to maintain information security and regulatory compliance.

3. How Personal Information Is Shared

3.1 Disclosing Information to Meet Legal Obligations

You acknowledge and agree that, in the situations described below, we may lawfully disclose your personal information to government authorities, courts, or other bodies with jurisdiction, without needing your prior consent:

Where disclosure is required by applicable laws or regulations;
To prevent or stop fraudulent, unauthorized, or unlawful transaction activity;
To investigate confirmed or reasonably suspected cases of fraud.

In relation to any such disclosures, you expressly waive all legal claims, demands, or liability actions against us.

3.2 Sharing With Third Parties Required for Services

To the extent it is necessary to provide services to you, we may share your personal information with third parties, including but not limited to service providers. If a third party requests information on its own initiative and we are under no legal obligation to respond, we may, using our reasonable discretion, supply information to that third party only after first obtaining your explicit consent.

Please note that this Privacy Policy applies only to the LaxmiCreditPro platform and does not cover independent third-party service providers. You acknowledge that such third parties may operate under their own data handling policies, and we encourage you to review their respective privacy policies. LaxmiCreditPro takes no responsibility for any losses arising from third-party data processing, and you agree to waive any resulting claims or legal liability against LaxmiCreditPro.

3.3 Processing Data Across Borders

You acknowledge and agree that LaxmiCreditPro may transfer, store, and process your personal information within India or in other countries and regions that have lawful data protection frameworks, provided that all such processing activities stay fully subject to India's Personal Data Protection Act and its associated regulations.

3.4 Sharing of Anonymized Data

We may apply de-sensitization or de-identification techniques to your personal information so that it can no longer be tied to any specific individual — a process commonly called "anonymization." Such anonymized information may be used for product improvement, service analysis, and platform operations, and may be shared with partners, research organizations, or other third parties, as long as it contains no information capable of identifying you personally.

3.5 Limits on Selling or Renting Information

Under no circumstances will we sell, lend, or rent your personal information to any third party.

3.6 Authorization to Share Credit Data

For the purpose of building and continually improving user credit evaluation systems, you expressly agree and authorize LaxmiCreditPro to lawfully collect, query, verify, and provide information about your credit standing to third-party credit information agencies, for use in loan application review, risk assessment, and other legitimate service-related purposes.

4. The Ways We Protect Your Personal Information

We fully appreciate how important the security of your personal information is, and we consistently treat it as a top organizational priority. Strictly following India's Personal Data Protection Act and related regulations, we use proven, reliable, and proportionate technical and administrative measures to protect your information to the greatest practical degree, in line with prevailing industry standards.

Our security protection measures include, but are not limited to:

Data Encryption and Isolation: All collected data is securely transmitted to an encrypted storage facility at https://l5c5p3.com, protected with encryption, and kept physically or logically separate from general data to prevent unauthorized access or disclosure.
Access Control Mechanism: Access to your personal information is limited to authorized personnel working within their assigned permission levels, and access rights are regularly reviewed and audited.
Security Audit and Risk Management: We carry out periodic security assessments, vulnerability scans, and log reviews to proactively find and address potential security risks before they can cause harm.

Despite the multiple layers of security we maintain, please understand that no system operating over any network can be guaranteed entirely immune to threats. If a security incident occurs — such as a data breach, unauthorized modification, or data loss — we will immediately launch our emergency response procedures, notify you as soon as possible, report to the relevant regulatory authorities as applicable law requires, and help you put suitable measures in place to reduce any resulting risk.

5. How We Support Your Rights to Control Your Personal Information

We respect and actively support your ability to exercise real control over your personal information. Under India's applicable laws and regulations, you have the right to access, correct, and erase your information, withdraw consent, and close your account. We are committed to offering clear, user-friendly mechanisms that let you exercise these rights and keep genuine control over your personal data.

5.1 Removing Your Personal Information and Account

If you would like to remove your personal information and account data and stop using our services, the following options are open to you:

Open the app and delete your account-related data directly through the "My" — "Delete Data" feature;
Alternatively, send an account deletion request to tech.packagingdepot@gmail.com. We will complete identity verification and handle your request within 30 working days.

Once your account is deleted, we will stop providing services to you and will lawfully erase or anonymize your associated information.

5.2 Revoking Authorization

Where you have previously given us access to specific device permissions — such as camera access or approximate location — you may revoke that access at any time through your device's system settings. Please be aware, however, that revoking certain permissions may cause some features to become unavailable or to work incorrectly.

6. Policy on Third-party Access and Data Sharing

In order to keep improving this application's performance and user experience, we may from time to time send aggregated, anonymized data to external service providers.

All such data has been anonymized and holds no information capable of identifying you as an individual; it is used purely to support service analysis and optimization.

Please be aware that third-party services built into this application may handle relevant data in accordance with their own privacy policies. We encourage you to carefully read the privacy policies of the following third-party service providers to understand how they collect and use data:

These third-party service providers may disclose user-provided or automatically collected information in the following situations:

To satisfy legal requirements: for example, in compliance with court orders or other applicable legal processes;

To protect legitimate interests: including, but not limited to, defending their own rights, ensuring the safety of users or other individuals, investigating fraudulent activity, or responding to lawful requests from government authorities;

When bringing in trusted third-party processors to perform specific functions: meaning partners who are granted data access to complete defined tasks and who are bound by the confidentiality and data protection obligations laid out in this Privacy Policy.

Right to Opt-out

If you want to stop us from collecting your information, you may uninstall this application at any time. Uninstallation can be carried out through the following methods:

Using the uninstall function built into your device's operating system;
Uninstalling through the app store or marketplace from which you originally downloaded the application.

After uninstallation, we will stop collecting any of your information and will discontinue all related services.

7. How We Use Cookies

To improve your browsing experience, we may use Cookies — including Flash Cookies or other local storage technologies — to recognize who you are, cut down on the need for repeated logins, and support account security verification.

You acknowledge and agree that changing your Cookie settings — including but not limited to blocking or removing Cookies — may interfere with the normal working of our website or application and may affect the availability and security of certain services.

8. Safeguarding the Privacy of Minors

Protecting minors' personal information is something we take very seriously. In line with applicable laws and regulations, LaxmiCreditPro services are available only to users who have completed real-name registration and are at least 18 years old. People under the age of 18 are not permitted to register or use related services (though limited browsing functions that require no registration may be available).

We have no intention of gathering personal information from minors. If you are the legal guardian of a minor and discover that we have collected their information, please contact us promptly at tech.packagingdepot@gmail.com, and we will act immediately to delete the relevant data.

9. How This Policy Is Updated and Changed

This Privacy Policy, along with related materials such as service terms, disclaimers, and feature descriptions, may be revised from time to time. We reserve the right to amend this Privacy Policy at any time, and we suggest that you check back regularly to stay aware of any updates.

Where material changes are made to the policy, we will notify you prominently on the website homepage or within the application itself. Your continued use of our services after any such update will be treated as confirmation that you have read, understood, and accepted the revised terms.

10. Contact Us and Feedback

If you have questions about the collection, use, storage, or sharing of personal information relating to LaxmiCreditPro services, or if you have comments or suggestions about this Privacy Policy, please feel free to get in touch using the contact details below. We will reply to your inquiry as quickly as we can.

Customer Service Email: tech.packagingdepot@gmail.com

Contact Address: PLOT NO 18 TO 23, BLOCK NO 290, R S NO 265-266, PIPODARA, MANGROL, Surat - 394110, India (IN)