Credit Information Consent Notice

1. What this notice covers

This notice explains the credit-information check that is part of your Used Car Loan application: who provides it, why it is requested and what you are authorising when you confirm it.

2. Who is involved

Finonest India Private Limited (CIN: U66190RJ2018PTC060491), registered office: 3rd Floor, Besides Jaipur Hospital, BL Tower 1, Tonk Road, Mahaveer Nagar, Jaipur, Rajasthan – 302018; email: info@finonest.com. (These details are as published on Finonest's Privacy Policy page.)

Credit information is obtained through Twominutes Fintech Private Limited (kredbharat.com), an authorized intermediary providing electronic access to CRIF High Mark Credit Information Services Pvt. Ltd., an RBI-registered credit bureau.

Twominutes Fintech and CRIF High Mark process your identification details solely for retrieving your credit score and history. Full partner regulatory credentials and privacy disclosures are available on our Public Partner Directory at /partners.

Twominutes Fintech publishes its own terms at https://kredbharat.com/terms-conditions, its privacy policy at https://kredbharat.com/privacy-policy and its grievance process at https://kredbharat.com/grievance-redressal (Grievance Officer: +91 92173 70902). CRIF High Mark Credit Information Services Private Limited is at https://www.crifhighmark.com.

3. Why it is requested

• To assess your eligibility for a Used Car Loan.
• To help match your application to suitable lender offers.

4. What is used and what comes back

To request your credit information, Finonest uses your name, mobile number and PAN.

The information returned relates to you and may include your credit score and details of your credit accounts and enquiries.

Finonest processes this report strictly to evaluate loan eligibility and present personalised loan offers. No unauthorized data parsing or automated profile selling is conducted.

5. How you give this authorisation

You give this authorisation by actively confirming it during your application, together with verifying your mobile number with a one-time passcode. Opening or reading this page is not an authorisation.

6. How long credit information is kept

If you check your own credit score (the credit score page or My Credit Score), Finonest keeps your credit report for 30 days from the day you fetched or refreshed it, so that you can view it. It is then deleted, unless you refresh it or fetch it again, which starts the 30 days again.

If you apply for a loan, the credit check is used only to check your eligibility and show you offers. Finonest does not keep your credit report details (your credit accounts and enquiries). It keeps your credit score as the eligibility result, and the e-mail and address options from the bureau for 30 days, to run your application.

Your credit report and the information in it are deleted as soon as you withdraw your consent, and in every case within six months, the limit under the RBI (Credit Information Companies) Directions, 2025. Twominutes Fintech and CRIF High Mark follow their own terms for any copy they hold.

7. Withdrawing this authorisation

You can withdraw this authorisation at any time in Manage Consent (/manage-consent). When you do, Finonest stops using your credit information and deletes any credit report it holds.

A check that has already been made stays in the bureau's records as an enquiry under the Credit Information Companies (Regulation) Act, 2005, but no further check will be made without a fresh authorisation from you.

8. Contact

Questions regarding credit information can be sent to info@finonest.com or submitted through our Grievance Redressal Portal (/grievance-redressal).

Nodal Grievance Officer: Mr. Alok Sharma, Email: grievance@finonest.com, Helpline: +91 91191 19992.