What they may do · DPDP §6(4)
What Experian India does with your data
Credit bureau that says outright it retains your credit information and personal data in perpetuity under CICRA. Also discloses sharing with member lenders and partners, plus advertising and social-media cookies that profile your interests and browsing.
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Shares your data with partners
Passed to group companies, advertisers or analytics firms you never chose.
What this costs you. Your number and habits travel to companies you have never heard of and never agreed to. This is the step where the spam calls start.
Show me where they say that
Experian India’s own policy says “Subject to applicable laws, ECICI may share your information with third parties, including its members and partners, to fulfill its functions under CICRA or related activities.”
Our summary discloses sharing with members and partners under CICRA, and disclosure to companies and individuals it employs for hosting, analyzing data, providing marketing assistance, processing card payments and customer service.
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Builds an advertising profile of you
They watch what you view, tap and buy, and use it to decide which ads you see.
What this costs you. Your attention gets priced. What you hesitate over becomes a bid — and a profile built to predict you is a profile built to persuade you.
Show me where they say that
Experian India’s own policy says “Advertising and marketing cookies are used to show you adverts relevant to you, your interests and your interaction with ECICI and our websites.”
Our summary discloses advertising and marketing cookies that target adverts to the user's interests and prior interaction, and states some of these cookies can identify the user as an individual based on IP address and connected identifiers.
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Follows you onto other websites and apps
Their tracking carries on after you leave, through pixels and SDKs embedded elsewhere.
What this costs you. You get recognised on sites that have nothing to do with them. Closing the app does not close the file.
Show me where they say that
Experian India’s own policy says “Social media cookies may be placed on our website and, if you are logged into the social media platform, can identify your visit and collect information about your browsing habits.”
Our summary discloses third-party social media cookies that identify a logged-in user's visit and collect browsing habits, used to include or exclude the user from social media advertising, and advertising cookies that remember prior website visits and collect browsing habits.
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Keeps your records long-term
Held on after you stop using the service.
What this costs you. Years after you delete the app, the record is still sitting there — and every year it sits there is another year it can leak.
Show me where they say that
Experian India’s own policy says “As mandated by CICRA, ECICI shall retain Credit Information and Personal Data collected, maintained and disseminated by them in perpetuity.”
Our summary states credit information and personal data are retained in perpetuity as mandated by CICRA.
What the policy does not mention
These are uses Experian India’s policy is silent on. Silence is not a promise — it means the document does not say, and we do not infer either way.
- Processes your face or other biometrics
- Trains AI models on your content
Experian India is one app. How many are on your phone?
Most people carry twenty to forty. Add yours and see the total in one screen — how many share your data, profile you for ads, or follow you across the web. Then take it back from all of them at once.
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Questions
What does Experian India do with my personal data?
According to Experian India's own privacy policy, read on 2026-08-14, it discloses 4 of the six uses we track: shares your data with partners, builds an advertising profile of you, follows you onto other websites and apps, keeps your records long-term.
Can I withdraw my consent from Experian India?
Section 6(4) of India's Digital Personal Data Protection Act 2023 gives you the right to withdraw consent for processing you agreed to. The Act's substantive provisions commence in stages up to May 2027, so a request made now asks for voluntary compliance and puts the date on record. Processing a company carries out under a legal obligation — such as KYC records the RBI requires — cannot be withdrawn.
Does Experian India track me for advertising?
Yes — Experian India's published policy discloses this. The exact sentence it is based on is quoted on this page, with the date we read it and a link to the source.
Every use above is one Experian India declared in its own published privacy policy, which we
read on 2026-08-14. Quotes are verbatim; the summary beside each one is ours
and is labelled as ours. Nothing here is inferred.
Saaph.in is a DPDP consent and request management platform operated by Ronin Works
Private Limited. It is a communication facilitator, not your legal or authorised
representative. The DPDP Act 2023 commences in stages up to May 2027, so a request
made today asks for voluntary compliance and records the date you asked.
Our privacy policy