Your money details stay yours.

• Identity details: your name, email address, phone number and any identity documents you submit for verification.
• Financial information: your bank account details, wallet transactions, daily credit history, lending plans and repayment records.
• Lending details: your funding source (credit card, pre-approved loan or savings), bank EMI, processing-fee proof and bank statements you choose to upload.
• Borrower affordability information: income, living expenses, existing commitments and employment details you share when applying for funding.
• Technical data: sign-in activity and basic usage information needed to keep the platform secure.

• Verify your identity and the funding you submit, and confirm bank transfers with UTR references.
• Calculate your daily credits, manage your wallet and process withdrawal requests to your bank.
• Run advisory AI analysis on borrower affordability and repayment history. AI supports review; Lantiris staff make every final decision.
• Contact you about your plans, verifications, withdrawals and support requests.
• Meet legal, accounting and regulatory record-keeping obligations.

Lenders and borrowers on Credo never see each other. The company matches funding to borrowers, so a lender never learns who borrowed, and a borrower never sees a lender's name, bank details or fee proofs. Your bank account details, statements and fee proofs are visible only to authorised Lantiris staff who need them for verification. We never sell your data.

Your data is stored in an access-controlled cloud database with encryption in transit. Passwords are never stored in readable form. Sensitive financial documents are kept private to you and verification staff. Transfers to your bank are confirmed by the company before any payout is marked complete.

We keep transaction and lending records for as long as your account is active and afterwards for the period required by Indian law for financial and tax records. You can ask us to close your account and delete what we are not legally required to keep.

• Ask for a copy of the information we hold about you, or ask us to correct anything wrong.
• Ask us to close your account. Records we must legally retain are kept securely and not used further.
• Write to us at support@clickmoney.in or use the WhatsApp support chat available in lender accounts.