Credit Check ("Credit Check" or "We") takes the privacy of our users very seriously and is fully committed to protecting their personal information. This Privacy Policy has been carefully prepared in compliance with the provisions of the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

The underlying purpose of this policy is to obtain, collect, store, process, use, analyze and/or disseminate the personal information of our users for lawful purposes. We recommend that you read this Privacy Policy carefully. If you do not agree with any of the terms outlined herein, we recommend that you do not access our application.

Your use of our platform will be subject to this Policy, which covers all policies, notices, guidelines, disclaimers, and terms and conditions that are published and communicated to you periodically. In addition, it also applies to other terms that apply to you as a user of our website. This Policy has the same legal effect as any other written agreement and is enforceable against you. We reserve the right to update this Policy as needed, and it is your responsibility to review this Policy regularly for the latest information on our privacy policy.

information Collection

As part of providing services, we collect and process the following personal data about you:

1. Personal Information

Including your name, address, date of birth, contact details, etc.

2. Credit-related data

Sourced from entities such as local credit bureaus.

3. Know Your Customer (KYC) data

Including Aadhaar, PAN, Voter ID, Photo, etc.

4. Unique identifiers

For example, username, user ID, account password.

We may also collect service-specific data, including personal and business details, income tax details, marital and family status, bank statements and KYC information, through application forms, emails, printed forms or other digital media, as well as personal information generated through the application programming interface (API) provided by you in the application or other platforms. By agreeing to the privacy policy by clicking "Agree" during the installation process, you agree that we can upload your information to our servers. But please rest assured that we adhere to strict data confidentiality standards to ensure the utmost security of your information.

Disclosure of Information

You hereby expressly consent to our disclosure of your information to our affiliates, employees and third parties (including SPD and me) in accordance with the terms outlined in this Policy. You expressly permit us to share your information with third parties in the following manner and for the following purposes:

• We may disclose your information to other financial service providers, banks and our third-party partners and service providers to provide services and offer products as set out in the Terms and Conditions.
• We may share product details and your information with third-party partners and service providers for data analysis, service improvement, analyzing your platform usage and providing better services.
• We may also share your information with third-party service providers for fraud detection, risk assessment and promotional phone messages and emails.
• We work with third-party advertising networks, publishers and unaffiliated entities to advertise our products and services on the Platform. We will only share the information you provide for the purpose of assisting us with advertising.
• We may disclose your information if we are forced to do so by legal obligations, government orders, statutory powers or to enforce our Terms of Use. This includes exchanging information with other companies and organizations for fraud and credit risk protection.
• We may share your information with third parties under confidentiality agreements to provide services. Such agreements restrict the third party from further disclosure of the information, except for the purposes detailed in the confidentiality agreement. However, we are not responsible for security breaches or actions of third parties that receive your personal information. We will retain and use your information for as long as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Storage and Security of Information

Your personal data, including information from your device, is stored and processed on secure cloud servers (such as Amazon Cloud Servers) and other reliable cloud service providers. All information, whether provided directly by you or through your device, is protected by us. We use a variety of security measures, such as firewalls, SSL data encryption, and access authorization controls to ensure the security of the information and data you provide. We use reasonable security practices and procedures required by applicable law to protect your information. The information you provide may be stored on secure servers within India.

However, it is important to recognize that the transmission of data over the Internet may not be completely secure. Any information transmitted to us is at your own risk. We are not responsible for information disclosure due to transmission errors, unauthorized third-party access or other actions beyond our control. You have no right to hold the Company responsible for security breaches.

Information Security

We are committed to using proven security testing equipment to protect personal information obtained under this Privacy Policy. However, we cannot guarantee the confidentiality of your information if other parties illegally obtain and misuse your information. We will make every effort to prevent unauthorized access to your personal information and report such incidents to the competent authorities.

COOKIES

Cookies are small files automatically generated on your computer device that help identify and monitor your Internet connection to enhance access to our services. Cookies help understand your preferences and past content interactions. When you visit our website again, Cookies personalize content according to your needs. Cookies do not store personal user information, and all data in our cookies is encrypted and cannot be accessed by other websites. Even if you initially accept Cookies, you can choose to refuse to activate them in your browser settings.

Withdrawal of Consent

You may choose to withdraw the consent provided under this Policy at any time. To withdraw consent, please send a written request to our email address. Please note that failure to provide consent or subsequent withdrawal of consent means that you will not be able to access the Platform or use the Services. We reserve the right to refuse to provide services through the Platform. In such cases, the Company may delete or de-identify your information (personal or otherwise) to make it anonymous and non-attributable.

Contact Us

When browsing or using the Platform, please note that the Company is subject to local laws in India only and not necessarily the laws of your location. If you require information or clarification regarding the use of your personal information or this Privacy Policy, please feel free to contact us at the following email address:credit-check-supp@outlook.com