Welcome to Credit Mantra. Your privacy is paramount to us. This Privacy Policy describes how we collect, use, and protect your information.

1. Information We Collect

We collect bank statements, cashflow data, email addresses, and account credentials when you register and utilize our financial decisioning suite.

2. How We Use Information

Your data is processed strictly to run automated underwriter reports, perform credit analysis, and present analytics tools. We do not sell your personal or financial data to third parties.

3. Data Security

We employ enterprise-grade encryption for all uploaded bank statements and credentials. Data is securely parsed, stored, and deleted in accordance with strict security standards.

4. Cookies and Sessions

We use session cookies to keep you authenticated and maintain your preference parameters, such as dark/light themes.

By registering and using Credit Mantra, you agree to comply with and be bound by the following terms of service.

1. Acceptable Use

You agree to upload only statements and financial data that you are legally authorized to access and process. Uploading fraudulent or falsified documentation is strictly prohibited.

2. Disclaimer of Financial Advice

Credit Mantra is an automated cashflow analyzer and risk snapshots decisioning assistant. It does not constitute formal financial, investment, or credit advice.

3. Account Termination

We reserve the right to suspend or terminate user accounts that violate security guidelines, abuse API limits, or engage in suspicious behavior.

4. Limitation of Liability

Credit Mantra is provided "as is". We are not liable for business or credit decisions made based on the analysis output of this platform.