Privacy Policy
Kudos on selecting Credora Fintech Pvt Ltd as your companions in your loan voyage. We don’t just safeguard your financial aspirations; your privacy is our priority, we make a pact to treat your personal information like a treasure chest – sealed, secure, and solely yours.
The Privacy Policy articulates how we collect, use, disclose, and protect your information.
Credora Fintech Pvt Ltd is conscientious about safeguarding customer privacy and underscores this commitment through the following privacy terms. The forthcoming statements highlight the awareness and responsibility of Credora Fintech Pvt Ltd regarding the collection and handling of users’ personal information.
If users interact with our website, engage with our products or services, or complete online forms and questionnaires, we may gather specific information. Credora Fintech Pvt Ltd and its affiliated entities may have access to user’s personal information, including details considered confidential, as part of our commitment to providing and enhancing our services. At Credora Fintech Pvt Ltd, we see information as the delicate threads that connect us. This conveys our dedication to transparency, assuring users that we are committed to disclosing information about the data collected, its utilization, and the measures taken to maintain and share that information.
GENERAL
The Privacy Policy governs the collection, storage, and utilization of information by Credora Fintech Pvt Ltd. By accessing the website, you acknowledge and accept the practices outlined in this Privacy Policy, which may be revised periodically.
These Privacy Policies are applicable to all products, services, and websites offered by Credora Fintech Pvt Ltd, its subsidiaries, or affiliates, this policy underscores our commitment to privacy.
Credora Fintech Pvt Ltd holds no liability for the disclosure of confidential information in accordance with this policy or the terms of user agreements. We assure not to disclose transaction and payment details unless allowed under this privacy policy.
The term “User(s)” pertains to companies and private organizations providing information through various modes detailed in the “Collection of Information” section below.
You accept to this policy while also agreeing our Terms of Service. You are encouraged to review our COLLECTION OF INFROMATION.
Generally, during the use of the website, Credora Fintech Pvt Ltd, collects two types of information: (i) personal information that users intentionally disclose (whether provided directly or accessed through third-party websites where user information is stored) and (ii) the platform generates website-use information automatically as users navigate through the site. Credora Fintech Pvt Ltd is equipped to collect and process such information from users, covering but not limited to the following:
Individuals have the opportunity to furnish information to Credora Fintech Pvt Ltd by completing forms on the Website. This information encompasses contact details, such as name, email address, mailing address, and phone number, as well as financial particulars, including income, assets, and debts. Unique identifiers such as usernames, account numbers, and passwords are also collected, along with demographic information, public profile data, and additional details such as communication preferences, favourites lists, and transaction history. In the context of business-related interactions, Credora Fintech Pvt Ltd may gather information such as social network data, shipping details, vendor service information, and accounting particulars, including bank account numbers and routing numbers for specific business purposes.
Furthermore, users have the option to provide information through written communication, emails, telephone calls, and surveys. A systematic record of shared information is diligently maintained to ensure accuracy and transparency.
Upon users accessing the website, their browsers automatically transmit specific information, including web requests, IP addresses, browser types, referring/exit pages and URLs, number of clicks, domain names, landing pages, pages viewed, and analogous details. Credora Fintech Pvt Ltd employs this non-identifiable information for the purpose of trend analysis, website administration, user movement tracking, and demographic data compilation.
In the interest of identity verification and risk management, Credora Fintech Pvt Ltd may collect additional information such as date of birth, unique ID number, or other relevant details. This supplementary information may be obtained through identity verification services or credit bureaus.
Credora Fintech Pvt Ltd retains the right, at its sole discretion, to remove any content containing viruses, malicious code, or violations of the Privacy Policy or Terms of Service. Such removal may occur without prior notice to the user, with the aim of maintaining the integrity and security of the platform.
USE OF INFORMATION
Credora Fintech Pvt Ltd is dedicated to upholding the confidentiality of all aspects of users’ business or personal information. This commitment serves as the cornerstone of trust as Credora Fintech Pvt Ltd offers services for evaluation and analysis, including credit and behaviour scoring, along with market and product analysis.
While Credora Fintech Pvt Ltd highly values and ensures the privacy of user data, it’s essential to note that Credora Fintech Pvt Ltd retains rights over the collected data. We do not sell, trade, or rent your personal information to third parties. We may share your information with trusted third parties for the sole purpose of providing our services and improving our operations.
In certain situations, this data may be used or shared, in its entirety, with third-party entities such as Banks, Non-Banking Financial Institutions, other Financial Institutions, and Government authorities as needed. Credora Fintech Pvt Ltd maintains exclusive rights over the entire dataset and can share it with any entity it deems necessary in an aggregate anonymized manner.
However, it’s important for users to understand that Credora Fintech Pvt Ltd assures them that, without compromising the principles mentioned above, the company is fully committed to keeping all user information confidential. Exceptions to this commitment would be in specific cases outlined as follows:
Credora Fintech Pvt Ltd may disclose user information to governmental and statutory bodies with appropriate authorization under applicable laws for specific legal purposes. This disclosure may occur to fulfil legal obligations, enforce or apply the Terms of Use displayed on the Website, or to safeguard the rights, property, or safety of Credora Fintech Pvt Ltd, its users, or others.
Furthermore, Credora Fintech Pvt Ltd may disclose user information to its agents under a strict code of confidentiality. In situations where Credora Fintech Pvt Ltd transfers its rights and duties under a customer agreement, the third parties receiving the information will be bound by confidentiality obligations similar to those outlined in this policy.
Disclosure to related or group companies, prospective buyers or sellers during business transactions, and in cases of corporate divestitures, mergers, or dissolution may also occur. Credora Fintech Pvt Ltd ensures that when disclosing user information to service providers or agents, whether within or outside India, they are bound by confidentiality obligations at least as strict as those stipulated in this Privacy Policy. The information receives the same level of protection as provided by Credora Fintech Pvt Ltd.
User information may also be stored in locations outside the direct control of Credora Fintech Pvt Ltd, such as servers or databases co-located with hosting providers.