In this Privacy Policy, the words such as “we”, “our”, “company”, and “us” refer to Credbharat.com and its undertaken system. And the words such as “you” “your” refer to Credbharat.com’s user, customer, channel partner, etc.

As a user of the website owned by Credbharat, your privacy is important to us. This Privacy Policy discusses the information we collect about you, how we treat it, with whom we share it, and how we protect it.

Credbharat.com is our company's domain name/brand name.

In the normal course of business, we collect personal information about you from a variety of sources, including: Information from you, such as applications or other forms (which includes your name, address, marital status, employment, assets and income); and Information about you, your accounts, and your holdings and transactions that we receive from you or others, such as account custodians, brokers, and other financial services firms, banks, etc.

We're also serious about protecting our users by addressing potential privacy concerns. Our privacy guidelines apply to all users across the world. This policy applies to all information, in whatever form, relating to Credbharat's business activities worldwide, and to all information handled by Credbharat, relating to other organizations with whom it deals. It also covers all IT and information communications facilities operated by Credbharat or on its behalf.

This Privacy Policy covers the security, information, IT equipment and use of Credbharat and all its affiliates. It also includes the use of email, internet, voice and mobile IT equipment. This policy applies to all Credbharat Users, Clients, employees, channel partners and associate partners (hereafter referred to as ‘individuals').

Nothing contained in this clause shall limit any right of the Lender to commence any legal action or proceedings arising in relation to the Loan or the Loan Documents in any other court, tribunal or another appropriate forum, competent jurisdiction and the Borrower and/or the Guarantor hereby consent to that jurisdiction.

How We Manage and Protect Your Personal Information:

We do not sell information about current or former clients to third parties. We may disclose your personal information as necessary to: Effect, administer, or enforce a transaction that you request or authorize;

Process or service a financial product or service that you request or authorize; or Maintain or service your account with us or with another entity.

We may also disclose personal information for everyday business purposes to organizations or firms who provide consulting, technology or other services for us and agree to maintain its confidentiality; others, such as attorneys, trustees, family members, or others who are authorized to represent you, your estate, or a joint or co-owner of your account; regulatory agencies; or as we are otherwise permitted or required by law or process of law.

We restrict access to your personal information to our employees and to permitted third-parties who need to know that information to provide products or services for us, or to provide, process, or maintain any security, account, or investment product, service or program for you or your benefit. To protect your personal information from unauthorized access and use, we have adopted administrative, technical, and physical security procedures that comply with the Laws in India. These measures include computer safeguards and secured files and buildings.

What we can do with your personal information:

We may use your personal information that we collect, or that is provided to us, for the following purposes:

• • Considering any application for an account or service;
• • Carrying out our business functions and activities;,
• • Collecting amounts you owe us, including taking enforcement action;
• • Exercising our rights and fulfilling our obligations under any agreement with you;
• • Exercising our rights and fulfilling our obligations for the purposes of complying with all applicable laws, including those relating to money laundering, terrorist financing, bribery, corruption, tax evasion, fraud and similar; and managing all economic and trade sanction risks;
• • Generally administering and monitoring services provided to you (or any related entity); and
• • Providing you with information about our other services, or the services of selected third parties in which we think you may have an interest, including by post, telephone and electronic message – you can opt-out of receiving information about our other services and/or the services of selected third parties by informing us in writing.

Sharing of Personal Information with Third Parties

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect our or others' rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Security and Confidentiality

The security of your personal information is important to us. We generally follow industry-standard information security tools and measures, as well as internal procedures and strict guidelines to prevent information submitted to us, both during transmission and once we receive it from misuse and data leakage. No method of transmission over the internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, which considerably reduces the risks of data misuse, we cannot guarantee its absolute security. To notify the Company about any security vulnerability or potential data breach, please contact us at: [email protected] and we will take the appropriate measures to address such an incident, as deemed necessary.

Our employees and channel partners can access the information on a "need-to-know" basis and are subject to confidentiality obligations.

DATA ACCURACY

Personal Data must be accurate and, where necessary, kept up to date. It must be corrected or deleted without delay when inaccurate. It is advisable that you ensure that the Personal Data we use and hold is accurate, complete, kept up to date and relevant to the purpose for which we collected it. You must check the accuracy of any Personal Data at the point of collection and at regular intervals afterwards. You must take all reasonable steps to destroy or amend inaccurate or out-of-date Personal Data.

LIMIT OF LIABILITY

We shall not be liable for any confusion caused as a result of any of your actions or omission of any action, anything as a result of your viewing, reading or listening of any content. Although we will do our best to provide constant, uninterrupted access to our website, we accept no responsibility or liability for any interruption or delay.

In no event will our total liability to you for all damages arising from your use of the service or information, materials or products included on or otherwise made available to you through the service exceed the amount you paid for the service related to your claim. We have no liability for any loss, damage or misappropriation of your files under any circumstances or for any consequences related to changes, restrictions, suspension or termination of your service or the agreement. These liabilities shall apply to you even if their remedies shall fail their essential purpose.

USAGE OF ADVERTISING ID

When you are using our application that incorporates our Services, we may also automatically record your Google and/or any other Advertising ID (if you are using an Android device) or your Advertising Identifier (IDFA - if you are using an IOS device; together with the Google and/or any other Advertising ID-"Mobile Advertising IDs"), for advertising or analytics purposes. The said Advertising ID is an anonymous identifier, provided by Google. If your device has an Advertising ID, we may collect and use it for advertising and user analytics purposes. If your device does not have an Advertising ID, we may use other persistent identifiers. The information collected may also be stored on your device. You can reset your mobile Advertising ID or opt-out of receiving targeted ads through your mobile Advertising IDs which is provided in our settings.

COMPLIANCE & COOPERATION WITH REGULATORS

We regularly review this Privacy Policy and make sure that we process your personal information in ways that comply with regulations currently in force in India. We firmly comply with legal frameworks including data protection laws relating to the transfer of data.

CONSENT

By using our website, you consent to our website's Privacy Policy. The usage of the website shall be construed as an acceptance of the Privacy Policy.

GRIEVANCES

For any complaints and/or inquiries, you can send us formal written inquiries or complaints at [email protected]. All inquiries and/or complaints shall be examined and will be resolved expeditiously. Our team of experts will respond by contacting the person who made such inquiries and/or complaints. We work with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of your data that we cannot resolve with you directly.

MODIFICATION OF THE POLICY

We reserve the right to modify this Privacy Policy at our own independent decision at any time. If the changes are significant, the Company shall spare no efforts to apprise its clientele and provide a prominent notice (including, for certain services, email notification of Privacy Policy changes). It is pertinent to remember that it shall be the Clients' responsibility to read the Policy as amended every once in a while.

USAGE OF COOKIES/COOKIES POLICY

Cookies are small files that a site or its service provider transfers to your computer's hard drive through your web browser with your permission which enables the site or service provider's systems to recognize your browser and capture and remember certain information. We use cookies to help us understand and save your preferences for future visits, keep track of advertisements and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

The user, customer, channel partner, or any other person accessing our website clearly expresses and agrees that they have fully read and understood the Terms & Conditions and Privacy Policy of Credbharat.com – and they accept them unconditionally.