Privacy policy

Version 2.0

Effective Date: 1st March 2026

Markingo Technologies Private Limited (“Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, process, store, and share personal information when you access or use the GlobCred platform, website, mobile applications, and related digital services (collectively, the “Platform”) and the services provided through it (collectively, the “Services”).

GlobCred® is a trademark of Markingo Technologies Private Limited. All intellectual property on the Platform, including the name, logo, and designs, is the exclusive property of Markingo Technologies Private Limited.

GlobCred is a global mobility technology platform that supports students throughout their international study journey. We do not provide loans, financial advice, or remittance services directly. All financial products and services are offered by licensed third-party institutions, which make independent decisions regarding such services.

For the purposes of applicable data protection laws, including the Digital Personal Data Protection Act, 2023 (“DPDP Act”), Markingo Technologies Private Limited acts as the Data Fiduciary responsible for processing personal data described in this Policy.

  1. Acceptance of This Policy and Consent

    By accessing or using the Platform or Services, or by taking any affirmative action such as clicking “Accept,” you confirm that you have read and understood this Privacy Policy and provide your free, informed, specific, and unambiguous consent to the collection, use, processing, storage, and sharing of your personal information as described in this Policy.

    Your consent also indicates agreement to GlobCred’s Terms and Conditions and Website Terms of Use. You may withdraw your consent at any time; however, withdrawal may limit or discontinue certain Services that rely on processing your personal data.

    • Consent Audit Trail: GlobCred maintains records of your consent and any withdrawal requests to ensure compliance with applicable laws, including documentation of your consent where required.
    • Optional Data Fields: Some information (e.g., gender, marital status) is optional. You may choose not to provide optional data without affecting your access to core Services.
    • International Users: Users accessing the Platform from outside India may have additional rights under local laws such as the European Union’s GDPR, the California Consumer Privacy Act (CCPA), or other applicable regulations. Withdrawal or modification of consent may be subject to those laws.
  2. Information We Collect

    We collect personal information only as necessary to provide Services, comply with legal obligations, maintain security, and improve your experience.

    • Information you provide: Name, email, ID, educational background, intended study location, passport or government-issued ID, academic certificates, financial information (for facilitation), communication details, and billing/payment information where applicable.
    • Information from third parties: Identity verification and KYC providers, financial eligibility or risk assessment partners, academic institutions, partner organizations, and credit information agencies (only with your consent).
    • Automatically collected information: IP address, device info, browser, operating system, access timestamps, pages viewed, and diagnostic/performance data.
    • Cookies and similar technologies: Enable platform functionality, remember preferences, analyze usage, and improve user experience. Users may manage cookie preferences via browser settings.
    • Inferred information: Derived insights such as eligibility indicators or application progress, used solely to improve service delivery.
    • Sensitive Data: Financial information, government-issued IDs, and academic certificates are classified as sensitive data and are subject to heightened security measures.
    • Minors: Platform intended for individuals 18 years or older; processing minors’ data requires parental or guardian consent verified through a parental declaration.
  3. How We Use Your Information

    We process personal information to:

    • Verify identity and documentation
    • Facilitate admissions and partner-supported services
    • Assess eligibility and prevent fraud
    • Communicate important updates and respond to inquiries
    • Comply with legal and regulatory obligations
    • Maintain platform security and improve functionality
    • Data Minimization: GlobCred collects and processes only the minimum personal information necessary to provide the Services, comply with legal obligations, and fulfill legitimate purposes. Data unrelated to these purposes is neither collected nor retained.
    • Global Compliance: For users accessing the Platform from other countries, processing is conducted in line with applicable local laws such as GDPR (EU), CCPA (California), and other relevant jurisdictional regulations.
  4. Sharing of Personal Information

    We share personal information only when necessary and strictly with trusted partners, including:

    • Educational institutions related to your applications
    • Licensed financial institutions offering education loans
    • KYC/AML service providers
    • Analytics, cloud, or technology vendors
    • Call centers or support/operations vendors
    • Vendor Oversight: All third-party financial partners are vetted for regulatory compliance and security standards and are contractually required to adhere to confidentiality and lawful use obligations.
    • Independent Controllers: Certain financial partners operate as independent controllers with their own privacy policies. GlobCred is not responsible for independent processing or retention practices of these partners.
    • Regulatory Compliance: Personal information may also be disclosed when required by law, court order, or regulatory directive.
  5. Cross-Border Data Transfers

    To facilitate international applications, connect with partners, enable verification or processing, and operate technology infrastructure, personal information may be transferred outside India. All transfers are conducted using legally recognized safeguards such as Standard Contractual Clauses or equivalent mechanisms. Transfers occur only to partners that maintain adequate legal and technical safeguards.

  6. Data Security & Breach Notification

    GlobCred implements reasonable technical and organizational measures, including encryption, access controls, monitoring, and logging, to protect personal information against unauthorized access, loss, misuse, or disclosure.

    Breach Notification: In case of a data breach affecting personal information, GlobCred will notify affected users and relevant authorities without undue delay and in accordance with regulatory timelines.

  7. Data Retention

    Personal information is retained only as long as necessary to:

    • Provide Services
    • Comply with legal or regulatory obligations
    • Resolve disputes and enforce agreements

    Data is securely deleted or anonymized once no longer required.

  8. Your Rights

    Depending on applicable law, you may:

    • Access and receive a copy of your personal data
    • Correct inaccuracies
    • Withdraw consent where processing is consent-based
    • Request deletion or anonymization of personal data
    • Contest automated processing decisions conducted by authorized partners
    • Exercise rights under DPDP, GDPR, CCPA, or other local laws

    Contact: [email protected]

  9. Grievance Officer

    GlobCred has appointed a Grievance Officer to handle complaints regarding personal data processing. Complaints are acknowledged within 2 business days and resolved within 7 days. Users may escalate unresolved complaints to the Data Protection Board of India or other regulatory authorities in their jurisdiction.

    Contact:
    Email: [email protected]

  10. Automated or Algorithmic Processing

    Some eligibility or verification processes may involve automated assessments by authorized partners. Users may request a review of any automated outcome. GlobCred does not make independent financial decisions or loan approvals.

  11. Enforcement of Policy

    If this Policy is violated, we may:

    • Restrict or suspend access to the Platform
    • Delay or refuse processing of requests
    • Conduct investigations
    • Preserve records for compliance or legal purposes
    • Report unlawful activities to authorities

    Processing may continue where required for fraud prevention, dispute resolution, or legal enforcement.

  12. Changes to This Privacy Policy

    Updates will be posted on the Platform with the revised version number and effective date. Users will be notified via email for material changes. Continued use of the Platform indicates acceptance of the updated Policy.

    International Users: Updates comply with local privacy laws, including EU, UK, US, and other applicable jurisdictions.