India-region by default
All borrower data, recordings, and decisioning workloads run in an India region. No borrower data leaves the country for routine operations. Decisioning workloads stay in-region too.
Trust & Compliance
Compliance is a property of the platform, not a checklist.
Every compliance rule below is enforced in the platform — not in a slide, not in a policy PDF, not in agent training. The audit trail is built as work happens, not reconstructed at quarter-end.
RBI calling-hour locks
Outbound calls are restricted to the 8 AM–7 PM IST window at the dialer layer. Agents cannot override. The audit trail records every attempted dial — including the ones blocked by the lock.
TRAI DNC / NDNC enforcement
DNC and NDNC registry lookups gate every outbound channel — voice, SMS, and WhatsApp. Frequency caps are encoded; consent state per channel is persisted and re-checked at send time.
DPDP audit posture
Immutable, partition-aware audit log captures every request and response, with PII redaction policy enforced in code. Click tracking for payment links anonymizes identifiers after the retention window.
Data-layer tenant isolation
Tenant scoping is enforced at the data layer — not just by application code. Defense in depth: if application code forgets to filter, the data layer still does.
Recording and retention
100% call recording with retention-aware policy. Per-tenant configuration. Recordings, transcripts, and evidence artifacts are all addressable through the audit trail.
Compliance summary
The posture, at a glance.
- Data residency
- India region · by default
- Calling-hour policy
- 08:00–19:00 IST · platform-enforced
- Frequency cap
- ≤ 3 calls / contact / day
- Call recording
- 100% · per-tenant retention
- Tenant isolation
- Defense-in-depth at the data layer
- AI region
- In-region only · no cross-border calls
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See Credmux run a real recovery workflow.
We'll show calling, Smart Collect attribution and decisioning, payment-link orchestration, and field visit evidence — using common DPD bands and industry-standard workflows.
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