KreditIndia (referred to as "we," "us," or "our") values the privacy of our users and is committed to protecting their personal information. This Privacy Policy has been formulated in accordance with the Information Technology Act, 2000 and the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011.
The purpose of this Policy is to obtain, collect, store, process, use, analyze, and/or distribute personal information of our users for lawful purposes. We ask that you read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please refrain from accessing our application.
• Your use of our platform will be governed by this Policy, as applicable to the platform, along with all policies, notices, guidelines, disclaimers, and terms and conditions that are published and shared with you from time to time. This includes any other terms that may be applicable to you as a user of our website. This Policy is enforceable against you in the same manner as any other written agreement.
We may update this Policy from time to time, and it is your responsibility to periodically review it for the latest information on our privacy practices.

1. COLLECTION OF INFORMATION

As a part of providing our services, we will collect and process the following personal data that you own or are the user of:
• Your name, address, date of birth, marital status, PAN number, name of the bank where you hold your primary account, bank statements, income tax returns, pay slips, etc.
• Information related to your employment, including years of experience, income details, name and address of your current employer, tenure with the current employer, etc.
• Credit-related information collected from sources such as credit bureaus.
• Know Your Customer (KYC) data such as Aadhaar, PAN, Voter ID, photos, etc.
• Your unique identifiers such as username, password, preferences, and transaction history.
• Any other information that we are required to collect under applicable laws or as mandated by the Reserve Bank of India.
We may also collect other service-specific information, such as personal and business details, income tax details, marital and family status, bank statements, and KYC documents through the application form, email, printed form, or any other electronic medium.
We collect personal information provided by you in the application, any other of our platforms, information generated automatically by user interaction, or through the application programming interface (API).
By clicking "Agree" to the Privacy Policy during installation, you consent to our uploading your information to our servers. We maintain strict confidentiality of your data and ensure that your information is kept safe.

2. CREDIT EVALUATION

Hereby as a customer I authorize NBFCs registered with the RBI to retrieve my credit data from credit bureau such as experian/CIBIL/equifax/CRIF etc and assess my eligibility.

3. DISCLOSURE OF INFORMATION

You hereby provide explicit consent to the disclosure of your information (including SPD & I) by Us to our Affiliates, employees and to third parties as per the terms of this Policy. You provide us explicit consent to share Your information with third parties only in such manner and for the purposes as described below:
• We may disclose Your information to other financial service providers, banks or NBFCs and Our third-party partners and service providers for providing the Services and offering the Products as detailed under the Terms & Conditions;
• We may share the details of the Product and Your information with our third party partners and service providers in order to conduct data analysis for the purpose of improving the Services and analyzing Your use of the Platform, and to service you better;
• We may also disclose Your information to our third-party service providers for fraud detection, risk assessment and/or for sending promotional tele-messages and email;
• We contract with third-party advertising networks, publishers and other entities to advertise Our Products and Services on Platform which are not affiliated with us and we shall share the information provided by You and the same shall not be used for any purpose other than to assist Us in Our advertising efforts.
• We may disclose Your information, without prior notice, if We are under a duty to do so in order to comply with any legal obligation or an order from the government and/or a statutory authority, or in order to enforce or apply Our terms of use or assign such information in the course of corporate divestitures, mergers, or to protect the rights, property, or safety of Us, Our users, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
• We may share Your information with third parties under a confidentiality agreement for provision of Services which inter alia restricts such third parties from further disclosing the information unless such disclosure is for the purpose as detailed under that confidentiality agreement. However, We are not responsible for any breach of security or for any actions of any third parties that receive Your personal information.
We will use and retain Your information for such periods as necessary to comply with Our legal obligations, resolve disputes, and enforce Our agreements.

4. STORAGE AND SECURITY OF INFORMATION

We store and process Your personal information, including the information received from Your Device on Amazon Cloud Servers and other secure cloud service providers. All information received by Us, either directly from You or through Your Device is protected and secured by Us. We adopt multiple safeguards to protect the security of the information and data provided by You like firewalls and data encryption using SSL, and information access authorization controls.
We use reasonable safeguards to preserve the integrity and security of Your information against loss, theft, unauthorized access, disclosure, reproduction, use or amendment. To achieve the same, We use reasonable security practices and procedures as mandated under applicable laws for the protection of Your information. Information You provide to Us may be stored on Our secure servers located within India.
However, you understand and accept that there’s no guarantee that data transmission over the Internet will be completely secure and that any information that You transmit to Us is at Your own risk. We assume no liability whatsoever for any disclosure of information due to errors in transmission, unauthorized third-party access to our Platform and data bases or other acts of third parties, or acts or omissions beyond Our reasonable control and you shall not be entitled to hold the Company responsible for any breach of security.

5. INFORMATION SECURITY

Every effort will be made through proven security test devices to protect any personal information obtained in accordance with this Privacy Policy. However, we will not guarantee the confidentiality of your information in the event that other parties illegally acquire and use your personal information. Everything in our power will be done to prevent unauthorized access to your personal information and will proceed to report it to the competent authorities.

6. COOKIES

Cookies are small files that are automatically generated on your computer equipment and serve to identify and monitor your internet connection, allowing better access to our services. Cookies will help us to obtain the content that interests you the most and the types of content that you have visited in the past. When you visit this website again, Cookies will personalize the content according to your needs. Cookies do not store personal information of the user and all the data of our Cookies are encrypted and cannot be obtained by other websites. Even if you accept Cookies under the original settings, you can choose to reject the enabling of Cookies in your browser settings.

7. GOVERNING LAW AND DISPUTE RESOLUTION

This Policy shall be governed by and construed in accordance with the laws of the Republic of India. The courts at Raipur , India shall have exclusive jurisdiction in relation to any disputes arising out of or in connection with this Policy.

8. WITHDRAWAL OF CONSENT

You may choose to withdraw Your consent provided hereunder at any point in time. Such withdrawal of consent must be sent in writing to our email address. In case You do not provide Your consent or later withdraw Your consent, You shall not access the Platform and/or use the Services and also we reserve the right to not provide You with any Services through the Platform. In such a scenario, the Company may delete Your information (Personal or otherwise) or de-identify it so that it is anonymous and not attributable to you.

9. DELETED ACCOUNT

A user may cancel access to us in any of the following cases:
1. If the user of the loan fails to provide all documents or requirements to become the creditor of the requested loan within the stipulated time.
2. If your first loan or refinancing application (as the case may be) is declined. The user will have the possibility to permanently delete his account from the Application. After the operation to delete the account, the user's personal data will be permanently deleted.
When deleting an account: The user's profile will no longer be visible and will require re-registration if they want to use it again.

10. CONTACT US

The Company is a company based in India. By browsing/using the Platform, you hereby acknowledge that the Company is not responsible or liable in any manner to comply with any local laws of Your territory except India.
If You require any information or clarification regarding the use of Your personal information or this Privacy Policy, You can contact us at kreditIndia-service@outlook.com.