Your privacy is important to us.
This policy covers how Credscoreplus Private Limited , a company with its registered office at 134/1, Bangur Avenue Block-C Basera 4A Kolkata-700055 treats personal information that we collect / receive / retain.
1. You will always have the ability to make choices about what personal information you provide to us and how such information is used - all our forms / registrations will have an explicit opt out clause. However, pleaseti note we may not be able to provide you our services if you do not provide us with the requested information.
2. We will protect your personal information by maintaining physical, electronic and procedural safeguards as per Indian law.
3. We will train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information we receive from you.
5. This policy does not cover information you may choose to provide to third party websites we advertise or to social media sites where we have a profile. These will be governed by the privacy policies on those sites.
1.What Information Do We Collect
We collect two types of online information: non-personal and personal.
This information helps us provide an online experience that matches your device and to manage our online advertising.
1. When you visit digital properties we own / control (e.g. our website, mobile app etc), we typically collect the IP address of the device you use to connect to the Internet, information such as what browser, browser version, operating system you have, the website you came from or the advertisement you viewed or clicked on.
3. We may also supplement the information we collect with information we receive from other companies. For example, we may use marketing segments developed by us or other companies to customize certain services
In addition to the information described in the previous section, we may also gather personal information that you explicitly provide and share with us - such as your name, address, phone number, and email address. Collecting this personal information enables us to offer you a digital experience that will help us to deliver our services to you.. For example, we collect personal information when you:
1. Register / Apply for our services
2. Applying for a new product /service from us or from our lender partners
2. How do we collect this information
We collect non-personal information on our owned properties (CreditKundali website, mobile app etc) and from third parties. There are certain industry standard technologies we use to collect usage Information. In the future, other new technology and methods for collecting Usage Information may develop.
a. Embedded Scripts.
An embedded script is programming code that is designed to collect information about your interactions with the Services, such as the links you click on. The code is temporarily downloaded onto your Device from our web server or a third party service provider, is active only while you are connected to the Services, and is deactivated or deleted thereafter.
b. Web Beacons.
You can control whether to accept cookies or not. If you decide to not accept cookies, some features and services on our site may not work properly because we may not be able to recognize and associate you. In addition, the offers we provide when you visit us may not be as relevant to you or tailored to your interests. If you would prefer not to accept cookies, you can:
1. Change your browser settings to notify you when you receive a cookie, which lets you choose whether or not to accept it
2. Set your browser to automatically not accept any cookies
d. Targeted Advertising
Like most advertisers, we place advertisements where we think they will be most relevant to customers. We believe that online behavioral advertising helps to provide you with more relevant advertising based upon on the websites you visit. We place advertisements by developing and using our own customer segmentation methodologies that may combine online and offline information about our current and prospective customers. In addition, we may use marketing segments provided by online publishers and network advertising companies.
We contract with third-party advertising networks, publishers and other entities to advertise our products and services on websites not affiliated with us. Network advertising companies that provide these services have their own privacy policies and are not subject to our Online Privacy Statement. Many of these companies provide ways to avoid targeted advertising provided by, or through them. Some of these ads are online behavioral advertising - which serve advertisements that are more likely to be of interest to you using non-personal behavioral information. Such ads may contain cookies that allow monitoring of websites (including our own websites that part of our own Services) and your response to our advertisements. Cookies placed by these companies do not collect Personal Information. We limit companies that place our ads from using information for any purpose other than to assist us in our advertising efforts.
e. Do Not Track
Although there is no standard for how Do Not Track consumer browser settings should work on commercial websites, the industry has self-regulatory initiatives designed to provide consumers a choice in the types of ads they may see online and to conveniently opt-out from online behavioral ads served by some or all of the companies participating in these programs. Many of our advertising vendors and companies participate in these programs. Using the choice mechanisms these programs make available may help you see advertising that is relevant to you or help you avoid seeing interest based advertising generally. In order for behavioral advertising opt-outs to work on your device, your browser must be set to accept cookies. If you delete cookies, buy a new Device, access our Services from a different device, login under a different screen name, or change web browsers, you will need to opt-out again. If your browser has scripting disabled, you do not need to opt out, as online behavioral advertising technology does not work when scripting is disabled. Please check your browser's security settings to validate whether scripting is active or disabled.
f. Information Third Parties Provide About You
g. Social media widgets
h.Third Party Content / Links To Third Party Services which appear on our website / digital properties
i. Personal Information
We collect your personal information, including financial information, from the registration or other completed forms / questionnaires that you provide to us. We will also receive your personal information, including financial information, from documents that you may provide to us and/or from documents like the credit report that you authorise us to obtain on your behalf from Credit Information Companies. You will therefore know when we collect any personal information about you. We will collect your profile information based on your consent from digital and social media properties including but not limited to Facebook, Linkedin, Google etc.
3. How do we use the Information that we collect?
We use the information about you that we collect for the following purposes:
1. To provide you with the services you access on our website including but not limited to Free Credit health Check, Profiling Service etc.
2. To provide you with the Services under the plan that you subscribe to
3. To communicate with you for purposes related to the Services
4. To personalize and improve our Services, including providing you with targeted advertising;
5. To determine trends or metrics concerning how users are engaging with our online properties including our webpage;
6. To provide lenders with information which enables them to process your loan/credit card application
4. Can You Control Your Information That's Collected and Used Online?
It's important to note that the information we use about you helps us provide you with products, services and experiences that benefit you. You have the ability to control how your non-personal information is collected and used online.
You also have the ability to choose what personal information, including what sensitive personal information (i.e. your financial information) you provide to us. However, if you choose not to provide all of the information and data that is requested of you, we may not be able to provide you with the Services that you have subscribed to.You may, at any time while availing of our Services or otherwise, withdraw the consent given earlier to CreditKundali to collect and use your sensitive personal data or information by writing to CreditKundali at cybersecurity@CreditKundali.in. However, in the case of you withdrawing such consent, CreditKundali shall have the option to stop providing you the Services for which the information was sought. You will not be eligible for refund of any fees paid in such event.
When you provide your contact details, we will use it to send you general notices or important news about your account, request your feedback or opinions and provide updates on special deals and offers that might interest you.
We believe you should be able to choose what kinds of information you receive via email/SMS. If you do not want to receive marketing materials by email/SMS, just indicate your preference on the contact information for your account or the 'opt-out' link provided in our marketing emails. Please keep in mind that we will continue to notify you by email /SMS/via phone calls regarding your services with us.
You can review the information that you have provided to us by logging into your account at the CreditKundali website and correct or amend any personal information or sensitive personal data or information to ensure that the information or data you provided us is accurate and/or not deficient. CreditKundali is not responsible for the authenticity of any personal information or sensitive personal data or information supplied to it by you or any third party.
5. How and When Do We Disclose Other Information To Third Parties?
We do not sell or rent your Personal Information to third parties for any purpose. We only share Personal Information when we have your express consent, or as otherwise provided for in this policy.
We may share with third parties certain pieces of aggregated, non-Personal Information, such as the number of users who clicked on a particular advertisement. Such information does not identify you individually.
Third Parties Providing Services on Our Behalf
We may use third party vendors to perform certain aspects of the Services on our or your behalf, such as hosting the Services, designing and/or operating the Services' features, tracking the Services analytics or performing other administrative services. We may provide these vendors with access to user information, including Personal Information, to carry out the services they are performing for you or for us. However, we restrict the use of this information by such third party vendors in our agreement with them and require them to use the information only to provide their services to us.
White-labelled/Co -Branded Services
Certain aspects of the Services may be provided to you in association with third parties such as our advertisers, business partners, or sponsors, and may require you to disclose Personal Information to them. Such Co-Branded Services will identify the third party. If you elect to register for products and/or services through the Co-Branded Services, you may be providing your information to both us and the third party. Any such information provided to the third party is subject to that third party's privacy policies. Further, if you sign-in to a Co-Branded Service with a username and password obtained through the Services, your Personal Information may be disclosed to the identified third parties for that Co-Branded Service and will be subject to their posted privacy policies.
Administrative and Legal Reasons
We may share your information, including your Personal Information, and Usage Information with our parent, subsidiaries and affiliates for internal reasons. We also reserve the right to disclose and transfer all such information: (i) to a subsequent owner, co-owner or operator of the Services or applicable database; or (ii) in connection with a corporate merger, consolidation, restructuring, the sale of substantially all of our membership interests and/or assets or other corporate change, including, during the course of any due diligence process.
6.What About Information I Disclose Publicly?
The Services may permit you to submit ideas, questions, comments, suggestions or other content, including Personal Information that is publicly viewable (such as on public portions of your user profile) (collectively, "User Content"). We or others may reproduce, publish, distribute or otherwise use User Content online or offline in any media or format (currently existing or hereafter developed). Others may have access to this User Content and may have the ability to share it with third parties across the Internet. Please think carefully before deciding what information you share, including Personal Information, in connection with your User Content.
7.What About Security?
CreditKundali maintains physical, electronic, and procedural safeguards that comply with regulations to protect Personal Information that we collect about you. We enable our servers with Secure Socket Layer (SSL) technology to establish a secure connection between your computer and our servers, creating a private session. We employ firewalls and other security technologies to protect our servers from external attack and securely store your Personal Information. We control access to this information via secure web pages, and limit access to only those employees or third parties on a need to know basis.
We test our systems regularly to insure that our security mechanisms are up to date. We incorporate commercially reasonable safeguards to help protect and secure your Personal Information and Credit Report Information. However, no data transmission over the Internet, wireless transmission or electronic storage of information can be guaranteed to be 100% secure. Please note that we cannot ensure the security of any information you transmit to us you provide us with your information at your own risk
From time to time, we may change this Online Privacy Statement. The effective date of this statement, as indicated below, shows the last time this statement was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the statement.
9. How long do we retain your Information?
CreditKundali will not retain your sensitive personal information for longer than is required for the purposes for which the information may lawfully be used or is otherwise required under any other law for the time being in force
10. Grievance Officer
If you have any concern or grievance or want to address any discrepancy with respect to the processing of any of the information/data you provided to CreditKundali, please contact our Grievance Officer (Mr. R. Sudarshan) by email addressed to grievance@CreditKundali.in and we will study the matter and take such action as we deem appropriate under the circumstances in accordance with law.
Effective Date - This Privacy Statement was last modified August 2017