LAST UPDATED ON: [28th August 2026]

Objective

Dreamplug Technologies Private Limited (hereinafter referred to as “Dreamplug”, “Us”, “Our” or “We”, which shall mean and include its affiliates, successors and assigns) owns and operates the mobile application under the name “EMI Calculator” (the “Platform”). The privacy and security of personal information about you is our priority. We receive and store both personal and non-personal information about you when you visit and/or use our platform. We protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable laws.

This Privacy Policy (“Privacy Policy” or "Policy") describes our methods and principles governing our collection, use, storage, processing, disclosure and protection of any information, including, but not limited to, personal information (“Personal Data”) provided by you as a user while using the platform and your privacy rights.

User (“You”/“Your”) shall mean any person/ persons, who visits, uses, deals with and/or transacts through the Platform.

Information We Collect

• Personal Information: We may collect limited personal information such as Your phone number only if voluntarily provided.
• Usage Data: We collect analytics data (e.g., app interactions, crash logs) using services like Mixpanel events, Firebase, or third-party analytics tools
• Device Information: This may include device type, operating system version, IP address, and unique identifiers.

Any information provided to Us by You or collected by Us about You shall be deemed to have been disclosed willingly by You, without any coercion by Our officers, agents or affiliates. While We make efforts to validate the information provided by You, We do not/shall not undertake any liability and do not/shall not make no representations as to the genuineness, validity, completeness or correctness of the information provided by You.

Utilization of Information

We use the personal information provided by You for;

1. setting up Your account and facilitating the services availed by You;
2. improving app performance and user experience;
3. troubleshooting and identifying any bugs, operational issues, process bottlenecks, errors in the application and for analysing usage and activity trends;
4. informing You about any offers relating to products and services including sharing of marketing material with You;
5. providing personalized offers and marketing communications through any medium including, whatsapp, SMS, etc.

4. Sharing Your Information

We do not sell, trade, or otherwise transfer Your Personally Identifiable Information to outside parties except in the following cases:

• Business Partners: In line with applicable laws and after conducting a detailed risk assessment, post Your explicit consent where required under applicable law, We may share Your Personal Data with business partners, service providers, and group companies.
• Service Providers: We may share Your information with third-party vendors (as stated above) who perform services on our behalf, such as hosting and data analysis.
• Legal Requirements: We may disclose Your information if required to do so by law or in response to valid requests by public authorities.

Where any data is shared with any business partner / service provider for the purposes mentioned above, processing of Your personal information (including with any of their sub-contractors) is governed by their policies. We advise familiarizing yourself with their privacy policies to understand how they will handle Your information. For clarity, We do not sell or lease such information.

5. Storage and retention of Your information

In compliance with applicable Indian data protection laws, all collected information is stored securely on servers or storage systems located within the territorial jurisdiction of India. We retain Your Personal Data only for the duration necessary to fulfill the purposes elucidated in this Privacy Policy, unless a longer retention period is necessitated by law or for directly related legitimate business purposes.

6. Security of Your information

We take the security of your data seriously and use various security measures to protect Your Personal Data.

If You detect a potential security vulnerability within Our Platform, We urge You to responsibly report the issue to Us. Kindly submit a detailed bug report, including steps required to reproduce the vulnerability, to Us at security@cred.club. We pledge Our best efforts to investigate and rectify legitimate issues within a reasonable timeframe while requesting You not to disclose it publicly.

7. Your rights

Under certain circumstances, You may be able to modify Your Personal Data online on the Platform.

If: (a) You are unable to access or modify Your information online, or You wish to get a copy of any of Your information stored by Us, or (b) You become aware of inaccuracies in such data, and wish to make any corrections; We encourage You to reach out to Us through the help/ support section on the Platform or by writing to emicalculator@cred.club.

Before We can supply You with any information or rectify any inaccuracies, We may ask You to validate Your identity and provide additional details to confirm Your identity.

8. Changes to the Privacy policy

We reserve the right to modify, change or update this Privacy Policy in part or its entirety at any point at Our discretion without assigning any reason whatsoever. We advise You to periodically review this page for the most recent information on Our privacy practices. Your usage of the Platform shall be deemed to be consent to the Privacy Policy as modified from time to time.

9. Grievance redressal

You may reach out to Us for any queries with respect to this Privacy Policy through Our Help section or by writing to Us at emicalculator@cred.club

We have also designated Mr. Atul Kumar Patro as the Grievance Officer.

The Grievance Officer may be reached by writing to grievanceofficer@cred.club

10. Governing law and dispute resolution

This Policy shall be governed by and construed in accordance with the laws of the Republic of India. The courts at Bengaluru, India shall have exclusive jurisdiction in relation to any disputes arising out of or in connection with this Policy.