Consent Revocation & Data Removal
Contents
Sections
1
Your Rights at a Glance
As a data principal under the Digital Personal Data Protection Act, 2023 (DPDP Act) and a credit information subject under the Credit Information Companies (Regulation) Act, 2005 (CICRA), you have the following rights with respect to the data held by Capora Fintech Private Limited:
Right to Withdraw Consent
Withdraw consent granted for Capora to collect, store, or process your personal data at any time. Withdrawal does not affect the lawfulness of prior processing.
Right to Erasure / Data Purge
Request that Capora erase or purge your personal data and credit information from its systems, subject to legal and regulatory retention obligations.
Right to Correction
Request correction of inaccurate or incomplete personal data we hold about you.
Right to Grievance
If your request is not processed within the stated timeline, escalate via our Grievance Redressal mechanism or to the Data Protection Board of India.
The URL for this page is https://capora.in/consent-revoke.html. You may share this link with anyone who wishes to exercise their data rights with Capora.
2
What Is Consent Revocation?
When you sign up for Capora, you provide consent for us to:
- Fetch your credit report from a licensed credit bureau (e.g., CIBIL, Experian, CRIF) using your PAN and other identifiers
- Store and process your credit information to provide score monitoring, improvement recommendations, and alerts
- Share your contact and basic profile details with partner lenders or insurance providers only if you opt in to a referral
- Send you transactional and promotional communications via email and SMS
Credit bureau access consent remains valid for 180 days from the date of acceptance unless you revoke it earlier. You may revoke any or all of these consents at any time by submitting the request form below or writing to us at privacy@capora.in. When the 180-day validity period ends, bureau access is paused until consent is refreshed.
Revoking consent for credit report fetching and processing will result in the suspension of all platform features that depend on your credit data (score monitoring, improvement plans, alerts). Your account will remain active but in a limited state until you restore consent or close the account.
3
What Is a Data Purge Request?
A data purge request (also called a right-to-erasure or right-to-be-forgotten request) asks Capora to permanently delete your personal data and/or credit information from our active systems and, where technically feasible, from our backup systems.
You may request purge of:
- Personal Data — name, mobile number, email address, date of birth, PAN (masked), and account profile
- Credit Information Data — credit report data fetched from bureaus and stored by Capora for your score monitoring history
- Behavioural & Usage Data — in-app behaviour logs, improvement plan history, and alert history associated with your account
- Marketing Preferences & Consent Records — opt-in/opt-out records, communication history
Permanent Action: A data purge request will result in the permanent deletion of your Capora account. This action cannot be undone. Your subscription, if active, will be cancelled. Any billing disputes are governed by our No Refund Policy.
4
How to Submit Your Request
You can submit a consent revocation or data purge request in either of the following ways:
1
Fill the Form Below
Use the online request form on this page. Your details will be sent directly to our Data Protection team.
2
Email Us Directly
Write to privacy@capora.in with subject line "Consent Revocation Request" or "Data Purge Request".
3
Receive Confirmation
We will send an acknowledgement within 3 business days and complete processing within 30 days.
Submit Your Request
Fill the form below and click Send Request. Your message will open in your email app with all details pre-filled.
Data Protection Officer
Email
Subject
"Consent Revocation Request" or "Data Purge Request"
General
Phone
5
What to Include in Your Request
Whether you use the form above or email us directly, please include the following to help us verify your identity and process your request promptly:
- Your full name as registered with Capora
- Your registered mobile number (used at sign-up)
- Your registered email address
- The type of request: consent revocation, data purge, or both
- The specific data category if you want a partial revocation or targeted purge (e.g., credit data only, marketing only)
- Any supporting information you wish us to consider (optional)
We may need to verify your identity before processing sensitive requests (e.g., data purge). We will contact you at your registered email or mobile number for this purpose. Do not share your OTP, password, or any sensitive credentials with anyone claiming to be from Capora.
6
Processing Timelines
Acknowledgement
Within 3 business days of receiving your request
Identity Verification (if required)
We will contact you within 5 business days
Consent Revocation Processing
Within 7 business days of identity confirmation
Data Purge Processing
Within 30 days of identity confirmation — active systems purged within 30 days; backup purge within 90 days, subject to technical feasibility and legal obligations
Confirmation Notice
You will receive a written confirmation at your registered email once your request has been processed
If you do not receive an acknowledgement within 3 business days, please follow up at privacy@capora.in or escalate via our Grievance Redressal page.
7
Effect of Consent Revocation
Revoking consent will have the following effects depending on the scope of your request:
If you revoke consent for credit report fetching & processing:
- Capora will immediately stop fetching new credit reports for your account
- Score monitoring, improvement recommendations, and credit alerts will be suspended
- Your account will remain active but with restricted functionality
- Your active subscription will be paused — contact support for billing correction questions
If you revoke consent for marketing communications:
- You will be removed from all promotional email, SMS, and in-app marketing campaigns
- Transactional communications (billing, security alerts, service notices) will continue as they are necessary for the service
If you revoke consent for referral data sharing:
- Your profile will no longer be shared with any partner lender or insurance provider
- Any pending referral already in progress will be notified that you have withdrawn consent
Revocation does not affect:
- Processing that lawfully occurred before your consent was withdrawn
- Data retention required by applicable law (e.g., financial records under the Income Tax Act, AML/KYC obligations)
8
Credit Bureau Data — Important Notice
Capora fetches your credit information from licensed Credit Information Companies (CICs) such as TransUnion CIBIL, Experian, CRIF High Mark, or Equifax, under the Credit Information Companies (Regulation) Act, 2005 (CICRA) and the RBI Master Direction on Credit Information.
Please note the following regarding credit bureau data:
- Capora can purge the copy of your credit report stored on our platform. We cannot alter or delete data held directly by the credit bureaus.
- To request corrections or deletion of data at the bureau level, you must contact the respective bureau directly (e.g., CIBIL Dispute Resolution at cibil.com, Experian at experian.in).
- Lenders who have reported information to a bureau are responsible for the accuracy of that data. Bureau data corrections must be initiated through the reporting lender or via the bureau's own dispute process.
Purging your credit data from Capora's platform does not remove your credit history from the credit bureaus. Your CIBIL score, Experian report, and other bureau records are maintained independently by those organisations and governed by CICRA, not by Capora's data retention policies.
9
Requests We May Not Be Able to Honor
In certain circumstances, we may be unable to fully process a consent revocation or data purge request. We will inform you in writing if this applies and explain the reason. Examples include:
- Legal Retention Obligations: Data that we are required to retain under law (e.g., KYC records under PMLA, 2002; transaction records under IT Act, 2000; financial records for tax purposes)
- Ongoing Legal Proceedings: Data that is subject to a court order, regulatory investigation, or dispute resolution process
- Fraud Prevention: Where erasure would impair our ability to investigate or report suspected fraud or financial crime
- Identity Cannot Be Verified: We cannot process a purge request if we are unable to verify that the requester is the registered account holder or authorised representative
In all other cases, we will honor your request fully and within the timelines specified in Section 6.
10
Contact & Escalation
For all consent and data requests, contact our Data Protection Officer:
Data Protection Officer — Capora Fintech Private Limited
Email
General
Phone
Acknowledgement
Within 3 business days
Resolution
Within 30 days of identity confirmation
If your request is not resolved within 30 days, or if you are dissatisfied with the outcome, you may:
- Escalate to our Grievance Officer at grievance@capora.in — see our Grievance Redressal page for the full escalation matrix
- File a complaint with the Data Protection Board of India (once constituted and operational under the DPDP Act, 2023)