We, Credime Eservices Private Limited, with our registered office at 34/1, K.R.Garden, 3rd Cross, 2nd Phase, Jeevanhalli, Cox Town, Bangalore, Karnataka, India, 560005 (hereinafter shall be referred to as "CrediMe" or "Us" or "We" or "Our") are the owner and operator of the Platform.
THIS POLICY DESCRIBES OUR POLICIES AND PROCEDURES FOR COLLECTION, USE, STORAGE, PROCESSING, DISCLOSURE AND PROTECTION OF ANY INFORMATION, INCLUDING, BUT NOT LIMITED TO, BUSINESS OR PERSONAL INFORMATION PROVIDED BY YOU AS A USER ("YOU/R") WHILE USING THE PLATFORM.
USER SHALL MEAN ANY PERSON/ PERSONS, WHO VISITS, USES, DEALS WITH AND/ OR TRANSACTS THROUGH THE WEBSITE / APP OR AVAILS OUR SERVICES AND INCLUDES A BROWSER.
BY VISITNG/ ACCESSING THE PLATFORM, THROUGH THE WEBSITE OR THE APP AND VOLUNTARILY PROVIDING US WITH INFORMATION (PERSONAL AND / OR NON- PERSONAL), YOU ARE CONSENTING TO OUR USE OF IT IN ACCORDANCE WITH THIS POLICY.
THIS POLICY DOES NOT APPLY TO THIRD-PARTY WEBSITES/ APPLICATIONS THAT ARE CONNECTED VIA LINKS TO THE PLATFORM. IF YOU DO NOT AGREE WITH THIS POLICY, PLEASE DO NOT PROCEED FURTHER TO USE / ACCESS THIS PLATFORM.
THIS POLICY IS A PART OF THE PLATFORM TERMS & CONDITIONS LOCATED AT https://credime.in/terms-conditions.html AND ALL CAPITALIZED TERMS UNDER THIS POLICY THAT HAVE NOT BEEN SPECIFICALLY DEFINED HEREIN SHALL HAVE THE MEANING AS ASCRIBED TO IT UNDER THE PLATFORM TERMS & CONDITIONS.
WE MAY UPDATE THIS POLICY FROM TIME TO TIME. WHILE WE WILL ALWAYS ENDEVOUR TO NOTIFY YOU, YOU MUST PERIODICALLY REVIEW THE POLICY FOR THE LATEST INFORMATION ON OUR PRIVACY PRACTICES.
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You may scroll through our Website and generally view the contents of the Website without providing us any personal information. In such a case, We will place a Cookie on Your computer that will help us identity You should You decide to visit us again.
During Your use of the Platform, whether the App or the Website, We will collect certain NON-PERSONAL AND PERSONAL information from You.
We will collect your personal information when you:
We collect information from the device when you download and install the App and explicitly seek permissions from YOU to get the required information from the device. The information we collect from your device includes the unique ID i.e. IMEI number, information on operating system, SDK version and mobile network information including carrier name, SIM Serial and SIM Slot, your profile information, list of installed apps, wi-fi information, storage, location.
We collect information about your device to provide automatic updates and additional security so that your account is not used in other people’s devices. In addition, the information provides us valuable feedback on your identity as a device holder as well as your device behavior, thereby allowing us to improve our services and provide an enhanced customized user experience to you.
The key information collected from the device is further detailed below
We only collect financial SMS (5-6 digit Financial SMS) from your inbox which helps us in identifying the various accounts that you are holding and the cash flow patterns that you have as a user to help us determine your risk profile and to provide you with the appropriate credit analysis to enable you to take financial facilities from the regulated financial entities and other service providers available on the Platform.
While using the App, it periodically sends the financial SMS information to our servers.
We collection location information from your device to reduce the risk associated with your account.
As a part of our loan journey, we require references from the Loan applicant. In this regard, during filing the form on our Website, we collect your contact information to detect close contacts to enable you to autofill the data during the loan application process.
We require the storage information permission to enable the App to enable you to upload photos and/or documents to complete the application form during your loan application journey.
We require the camera information permission to provide you an easy/smooth experience and to enable you to click photos of your KYC documents along with other requisite documents and upload the same on the App during your loan application journey.
We also collect your credit reports and credit data on your behalf or on behalf of our financial partner in the event you have applied for a loan / facility to the said financial partner. In this regard, You:
The information collected from You will be used in order to effectively provide Services to You. If You do not allow Us to collect all the information We request on the Platform, We may not be able to deliver all of these services
We will use and retain Your information for such periods as necessary to provide You the services on our Platform, to comply with our legal obligations, to resolve disputes, and enforce our agreements with you or the financing partners who have advanced a loan to You.
We use data collected to support our Product, CrediMe, as a platform assists You to reach and select diversity of third-party financial partners, along with their products, and technically help you accomplish transaction with these third-party financial partners.
We may use the information provided by You in the following ways:
We may share Your information with third parties including our regulated financial partners for provision of services on the Platform and/or for facilitation of a loan / facility to a User. We may also 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.
We will share Your information with third parties only in such manner as described below:
We store and process Your personal information on secure AWS cloud servers and other cloud service providers within India. Some of the safeguards We use are firewalls and 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 or outside 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 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 CrediMe responsible for any breach of security.
With this Policy We’re only addressing the disclosure and use of data collected by Us. If You visit any websites through the links on the CrediMe Platform, please ensure You go through the privacy policies of each of those websites. Their data collection practices and their policies might be different from this Policy and CrediMe does not have control over any of their policies neither does it have any liability in this regard.
"Phishing" usually occurs when users of a website are induced by an individual/entity into divulging sensitive personal data by using fraudulent websites and/ or e-mail addresses. In the event You provide information to a website or respond to an e-mail which does not belong to Us or is not connected with Us in any manner, You will be a victim to Phishing. We do not send e-mails requesting a user for payment information, user name or passwords. However, We may verify the user name, password etc. provided by You from time to time.
We have taken every effort to ensure that this Policy adheres with the applicable laws. The invalidity or unenforceability of any part of this Policy shall not prejudice or affect the validity or enforceability of the remainder of this Policy. This Policy does not apply to any information other than the information collected by CrediMe through the Platform. This Policy shall be inapplicable to any unsolicited information You provide Us through the Platform or through any other means. This includes, but is not limited to, information posted in any public areas of the Website / App. All unsolicited information shall be deemed to be non-confidential and the Company shall be free to use and/ or disclose such unsolicited information without any limitations.
The rights and remedies of available under this Policy may be exercised as often as necessary and are cumulative and not exclusive of rights or remedies provided by law. It may be waived only in writing. Delay in exercising or non-exercise of any such right or remedy does not constitute a waiver of that right or remedy, or any other right or remedy.
If You have grievance with respect to use of Your personal information, please contact us at email@example.com
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.