Customer Grievance Policy

In today's competitive era and constantly evolving business, we at Optimidea Fintech Pvt Ltd, with trade name ‘Creditkaro’,(Hereinafter referred to as ‘Company’) take pride in keeping our customers at the centre of all our strategies and initiatives, and are committed to deliver best in class customer service to all our existing and new customers at all times.

As a service organization we promote "Excellence in Delivery" and hence feedback from our valued customers forms an integral part of all decisions taken by the Company. The feedback provided by our customers is treated as an asset to the Company, evaluated and customized to improve our products and services.

This policy document aims at communicating the various mechanisms available for our customers to reach out to us, our service guarantees and timelines by which we will try and ensure resolution to our customer concerns.

Our Principles:

  • Customers remain the Key focus for all initiatives and strategies developed in the Company
  • "Delighted" Customers are a necessity for business growth and survival.
  • Our Customers and their Feedback is treated as the most valuable asset for the organization, forming the foundation for development and innovation.
  • We endeavor to simplify our customer's life through our innovations and product offerings.
  • Constantly evolve and invest in our grievance redressing systems for a seamless service delivery.

Our Promise:

  • All grievances will be dealt with promptly and courteously.
  • We promise to resolve any or all issues faced by our customers effectively and within the communicated time frame.
  • The Company has a dedicated team to manage customer queries and ease out grievances if any.
  • We Value Your Feedback

All customers have the right to share their feedback or complaint in case they find our services are not meeting their expectations or are dissatisfied with any interaction with any of our staff members.

Our customers can inquire, insist, or complain through the following mediums:

  • Phone - Customer Engagement Centre: Customers can contact us at +91-8448445549 Monday to Saturday from 10:30 am to 7 pm.
  • Email - Customers can e-mail us at support[at the rate]creditkaro[dot]com
  • These aforesaid mechanisms are dedicated for redressing our customer complaints, providing online resolution wherever possible, and capturing valuable feedback regarding our services.

On receiving customer feedback/complaint/query, our executives would reach out to the customers and ensure that all grievances are addressed within a period as communicated below.

If the complaint is not resolved within the given timelines or the response is unsatisfactory the customer can choose to escalate the concern to our level 2 escalation officer, with relevant details such as Complaint Reference Number provided at the time of raising the initial complaint. The escalation methodology is mentioned in this policy under the Escalation Section.

Note- escalations without a complaint reference number will not be treated as complaints.

Our customers can inquire, insist, or complain through the following mediums:

  • Acknowledgement of Grievances: 1- Customer Engagement Centre team will acknowledge the grievance within 48 hours on the receipt of complaint in the form of : - 2- Response in case of Emails, 3-Answering the calls at the call centre,
  • In all the scenarios a reference number will be provided for all future communication around the particular complaint.
  • The customer care executive will try to address the issue within 7 days after the issue has been acknowledged.
  • All complaints would be closed based on the customers feedback only and acceptance of closure.

Customer Grievance Redress Escalation:

As "Customer Delight" our priority, we are committed to providing the best Experience to all our customers. We extend a level 2 escalation matrix to all our customers

Escalation: Level 2

In case the customer is not satisfied with the response from customer service executive, escalation to Level 2 can be triggered between 10:30 am to 7 pm

  • Write to us: Vaibhav Gupta
  • Optimidea Fintech Pvt. Ltd 53/54, Ground Floor, JMD Megapolis, Unit No, Sohna Rd, Gurugram, Haryana 122001
  • Email ID: Vaibhav[dot]gupta[at the rate]creditkaro[dot]com
  • Phone: 91-955538108

All escalations received with the required details such as reference number provided at Level 1, contact details (both phone & email) would be addressed within forty eight (48) working hours up to a max of seven (7) days in special cases

Escalation: Level 3

In case the customer is still not satisfied with the resolution provided or delay in response beyond the timelines communicated at Levels 1 & 2 respectively, the customer can escalate the concern to the highest level between 10:30 am to 7 pm.

  • Nodal officer: Mr. Sumit Kapoor (Director)
  • Phone:+91-8585991414
  • Write to us -: Mr. Sumit Kapoor
  • Optimidea Fintech Pvt. Ltd 53/54, Ground Floor, JMD Megapolis, Unit No, Sohna Rd, Gurugram, Haryana 122001
  • Email ID: sumit[dot]kapoor[at the rate]creditkaro[dot]com

On receiving the escalation, the complaint will be acknowledged within twenty four (24) working hours. Post acknowledgement, resolution will be provided up to a maximum of seven (7) working. Please remember that all complaints will be considered at this level only if the complaint number given in level 1 of the complaint is written in the complaint.