Privacy Policy

1.

This Policy is an electronic record in the form of an electronic contract formed under the Information Technology Act, 2000 and the rules made thereunder. This Policy does not require any physical, electronic or digital signature.

2.

By accessing or using the Website or otherwise giving Us your information, you undertake that you have the capacity to enter into a legally binding contract vide this Policy, which constitutes a legally binding document between you and the Company under the applicable law, in particular, the Indian Contract Act, 1872. The Company will collect and process your personal and third-party data carefully, only for the purposes described in this Policy and only to the extent necessary as defined herein and within the scope of the applicable legal regulations. This Policy seeks to ensure that any personal information or third-party information handled by the Company is managed in a way that is ethical, compliant and adheres to best industry practices.

3.

Please read the terms and conditions of this Policy carefully, before accessing or using this Website. By accessing or using the Website including its intermediary services, you agree to the terms of this Policy. If you are accepting this Policy on behalf of another person or company or other legal entity, you represent and warrant that you have full authority to bind such person, company or legal entity to these terms.

4.

This Policy describes the types of information the Company collects, why and how the Company uses the information, with whom the Company shares it, and the choices you can make about the Company’s use of the information. This Policy also describes the measures the Company takes to protect the security of the information and how you can contact the Company about its privacy practices.

5.

This Policy describes the Company’s current data protection policies and practices and may be amended/updated from time to time. Any changes to this Policy will become effective upon posting of the revised Policy on the Website. It is recommended that you regularly check this Policy to apprise yourself of any updates. Your continued use of Website or provision of data or information thereafter will imply your unconditional acceptance of such updates to this Policy.

1.

Personal Information: Personal Information means any information that may be used to identify an individual, including, but not limited to, the first and last names, billing/alternate address, Aadhar number, PAN number, state, ZIP/Postal code, city, telephone number, mobile number, date of birth, age, gender, e-mail address, or any other information. The Company limits the collection of Personal Information which is necessary for its intended purpose.

2.

Sensitive Personal Information: Sensitive Personal Information of a person means Personal Information about that person relating to: passwords, financial information (bank accounts, or other payment instruments), biometric information, physical information including GPS location, device ID.

3.

Non-Personal Information: Non-personal information means information that does not specifically identify an individual or business, but includes information from you, such as your browser type, the URL of the previous websites you visited, your internet service provider (ISP), operating system & version and your internet protocol (IP) address, devise location, information about your mobile devise including hardware model, preferred language, unique devise identifier, information you provide us when you contact Us for help; information you enter into our system when using the Website, such as while asking doubts, participating in discussions and taking tests and any other information you may give on and through the Website. The Company may gather any non-personal information regarding how many people visit the Website, the pages you visit, how long you visited our Website, the date and time you used the Website. The Company may also collect Non-Personal Information that you voluntarily provide, such as information included in response to a questionnaire or a survey conducted by the Company.

4.

Business Information: Business Information means any information that may be used to identify an individual’s business, including but not limited to the name and address of the entity, date of incorporation, PAN number, e-mail address of the entity, contact information of the registered office, financial information including bank account details and such other information (hereinafter referred to as “Business Information”).

5.

Usage Information: Usage Information includes without limitation all data and information collected automatically through the Website (or through the third party analytics service providers), by use and access of the Website in the nature of system administrative data, statistical and demographical data, and operational information and data generated by or characterizing use of the Website including without limitation, Non-Personal Information, cookies, your search queries, comments, search results selected, number of clicks, pages viewed and the order of those pages, error logs, Website traffic, time spent on the Website, number of visits to the Website and other similar information and behaviour indicating the mode and manner of use of the Website.

6.

Personal Information, Business Information, Sensitive Personal Information, Non-Personal Information and Usage Information hereinafter shall be referred to as “Information”. The Company limits the collection of Information which is necessary for its intended purpose.

1.

By mere use of the Website, you expressly consent to the Company’s use, access, processing and disclosure of your Information and third-party information in accordance with this Policy. If you do not agree with the terms of this Policy, please do not use this Website.

2.

In case you wish to avail any or all of the intermediary services provided by the Company on the Website, the Company shall provide a username and password to you (“Login Credentials”) as set out in the Terms of Use. You may be required to fill in the Information on the Website including full name, email address, mobile number and/or a one-time password sent on your mobile number to set up your account on the Website. You hereby explicitly agree that your use and access of the Login Credentials shall be governed by the Terms of Use read with the terms of this Policy and any other agreement that you may enter into with the Company. You should not share your Login Credentials, one-time password or other security information for your account with anyone. If we receive instructions using your Login Credentials, we will consider that you have authorized the instructions.

1.

The Company may collect Information from you when you (a) register on the Website; (b) update or change personal details in your account; (c) use the Website for any of the intermediary services being offered thereon; (d) voluntarily participate in campaigns conducted by the Company on the Website or respond to questionnaires published by the Company on the Website (if any); (e) voluntarily complete a customer survey or provide feedback on any of our message boards or via e-mail in relation to the products and intermediary services provided on the Website; and (f) when you carry out transactions on the Website.

2.

You hereby acknowledge and agree that all Information is provided by you to the Company voluntarily and the Information provided by you is not subject to any undue influence.

3.

The Company may use cookies to monitor the Website usage including, without limitation, to provide useful features to simplify your experience when you return to the Website, like remembering your Login Credentials, Information and to deliver relevant content based on your preferences, usage patterns and location.

4.

You are also required to provide your billing address as well as debit card details which may be aligned with third party payment wallets/gateways. The Company will use this Information only for processing billings. For your convenience, this third-party payment wallets/gateways saves the billing information and remembers certain details of the payment choices made by you in the event you would like to carry out any other transaction on the Website again.

5.

The Company may also collect Non-Personal Information or Usage Information based on your browsing activity and in relation to your use or access to the Website which may or may not be publicly accessible.

6.

Information collected by the Company from a particular browser or device may be used with another computer or device that is linked to the browser or device on which such information was collected.

7.

You may use the Website without providing the Company any Information about yourself. However, you may not be able to access certain intermediary services of the Website in case you choose to do so.

1.

The Company uses the Information you provide to: (a) manage your account; (b) fulfil your requests for the services offered on the Website (including to manage payments, fees and charges and collect and recover money owed to the Company); (c) respond to your inquiries about its offerings and the transactions carried out on the Website; (d) provide you with information about products and intermediary services available on the Website and offer you other services that the Company believes may be of one interest to you; (e) resolve any glitches on the Website including addressing any technical problems; (f) improve the intermediary services and content on the Website and your experience of navigating through the Website and carrying out transactions on the Website; (g) administer the Website; (h) learn about each user’s learning patterns and movements around the Website; and (g) manage the Company’s relationship with you.

2.

The Company may use the Information to monitor your use of the Website and may review and analyse the Information to provide you with customized service.

3.

The Company may use your Non-Personal Information or Usage Information for internal business purposes, such as data analysis, research, developing new products and/or features, enhancing and improving existing products and intermediary services and identifying usage trends.

4.

Subject to and in accordance with applicable laws, the Company has the right to use your Information for the purpose of conducting promotional/marketing related activities on the Website, including but not limited to, using your Personal Information for making posters/banners to promote the services of the Company.

5.

When you send an email message or otherwise contact the Company through its Website, the Company may use the Information provided by you to respond to your communication. The Company may also archive such Information and/or use it for future communications with you to inform you regarding updates, newsletters, offers, new services and promotions via SMS, WhatsApp, Facebook, Instagram, Email, and phone calls.

1.

The Company maintains your Information in electronic form on its devices and equipment. The Information is made accessible to employees, agents or partners and third-parties only on a need-to-know basis.

2.

The Company does not rent, sell, or share Information with third parties or with other non-affiliated entities, except with your consent.

3.

The Company may engage third party vendors and/or contractors to perform certain services, who may have limited access to Information.

4.

In order to process your transactions, the Company may direct you to a payment gateway service provider of its own choice, which may have access to the Information provided by you while making such payment.

5.

The Company may share Information with government authorities in response to subpoenas, court orders and/or other legal process, to establish or exercise legal rights; to defend against legal claims; and/or as otherwise required by law. This may be done in response to a law enforcement agency's request.

1.

Notwithstanding anything contained hereinto the contrary, it is clarified that the Company is merely an intermediary and facilitator between Service Provider and the Service Recipient listed on the Website. The Company takes no responsibility for the actions and/or inactions including any negligence, fraud, breach of confidentiality, violation of applicable laws, of such Service Provider and the Service Recipient listed on the Website. This Policy only regulates and governs the Information shared by you on and through the Website and not the Information shared by you directly with the Service Provider and/or the Service Recipient, as the case may be, listed on the Website. You are hereby advised to disclose any Information to the Service Provider or the Service Recipient, as the case may be, listed on the Website at your own risk. As a result of which, to the extent permitted under the applicable laws, the Company disclaims any and all liabilities towards any losses, damages, costs, compensation, loss of goodwill, reputation and/or any expenses incurred by you as a result of the Service Provider or the Service Recipient, as the case may be, misuse of your Information, breach of safety and security of the Information and/or any unlawful action in relation to the Information.

2.

The Company may engage third party vendors and/or contractors to perform certain support services for the Company, including, without limitation, software maintenance services, advertising and marketing services, web hosting services and such other related services which are required by the Company to provide its intermediary services efficiently. These third parties may have limited access to Information. If they do, this limited access is provided so that they may perform these tasks for the Company and they are not authorized by the Company to otherwise use or disclose Information, except to the extent required by law. The Company does not make any representations concerning the privacy practices or policies or terms of use of such websites/third parties, nor does it control or guarantee the accuracy, integrity, or quality of the information, data, text, software, music, sound, photographs, graphics, videos, messages or other materials available on and with such websites/third parties.

3.

The Website may contain links and interactive functionality interacting with the websites of third parties or third parties including without limitation the payment gateways, advertisements, social media Websites. The Company is not responsible for and has no liability for the functionality, actions, inactions, privacy settings, privacy policies, terms, or content of any such websites or third parties. Before enabling any sharing functions to communicate with any such websites or otherwise visiting any such websites, the Company strongly recommends that you review and understand the terms and conditions, privacy policies, settings, and information-sharing functions of each such third-party website.

The Company may disclose and/or transfer Information to an investor, acquirer, assignee or other successor entity in connection with a sale, merger, or reorganisation of all or substantially all of the equity, business or assets of the Company.

1.

You have the right to withdraw your consent given for the Personal Information at any point, provided such withdrawal of the consent is intimated to the Company in writing through an email at support@creddinv.in requesting the same. If you at any time wish to rectify your Personal Information, you may write to the Company as per the terms of this Policy.

2.

Once you withdraw your consent to share the Personal Information collected by the Company, the Company shall have the option not to fulfil the purposes for which the said Personal Information was sought and the Company may restrict you from using the services on the Website and/or the Website itself.

3.

If you wish to delete your account, and thereby discontinue using the intermediary services provided by the Company on the Website, you may do so at any time, in accordance with the Terms of Use and/or any other agreement that you may enter into with the Company. In other cases, you may discontinue using the services provided by the Company on the Website by writing to the Company at support@creddinv.in.

1.

You shall have a right to access the Personal Information and/or Sensitive Personal Information that you have provided to the Company through the use of the Website. Further, the Company shall provide a copy of the Personal Information and/or Sensitive Personal Information, free of charge, in an electronic format, upon such request.

2.

You shall have the right to review your Personal Information and/or Sensitive Personal Information (as the case may be) submitted by you on the Website and to modify or delete any Personal Information and/or Sensitive Personal Information (as the case may be), provided by you directly on the Website. You hereby understand that any such modification or deletion may affect your ability to use the Website. Further, it may affect the Company’s ability to provide its intermediary services to you.

3.

The Company reserves the right to verify and authenticate your identity and your account Information and/or payment Information in order to ensure accurate delivery of services. Access to or correction, updating or deletion of your Personal Information and/or Sensitive Personal Information (as the case may be) may be denied or limited by the Company if it would violate another person’s rights and/or is not otherwise permitted by applicable law.

4.

If you need to update or correct your Personal Information and/or Sensitive Personal Information that the Company may have collected to offer you personalised services and offers, you may send updates and corrections to the Company at support@creddinv.in citing the reason for such rectification of Personal Information and/or Sensitive Personal Information. The Company will take all reasonable efforts to incorporate the changes within a reasonable period of time.

1.

The Company shall store your Information at least for such period as may be required and permitted by law or for a period necessary to satisfy the purpose for which the Information has been collected. These periods vary depending on the nature of the Information and your interactions with the Company.

2.

You agree that you will not submit any false Information or any illegal or damaging content to the Website. The Company reserves the right to terminate access to or the ability to interact with the Website in response to any concerns the Company may have about false, illegal, or damaging content submitted by you, or for any other reason, in its sole discretion.

1.

To enhance your experience with the Website, many of the web/application pages use "cookies” and pixel tags and clear gifts on certain pages of the Website. Cookies are text files the Company places in your computer's/mobile’s browser to maintain your log-in and session details. Company uses three types of cookies, necessary session cookies (including username, email ID, user access information) which enables Company to recognise you and makes it easier for you to return to Website and interact with the Company’s services without signing in again, and/or preference cookies (including search and browsing history) which are stored for the maximum duration permitted by law, and/or statistics cookies (including Usage Information such as unique request ID, statistical data) which are stored for more than 24 hours or the maximum duration permitted by law (collectively referred to as the “Cookies”).

2.

Cookies, by themselves, do not tell Company your e-mail address or other personally identifiable information unless you choose to provide this information to Company by, for example, registering on the Website and/or by availing the services provided by Company. Cookies are designed to hold a marginal amount of data specific to a particular user and website and can be accessed either by the web server or the user device. However, once you choose to furnish the Website with personally identifiable information, this information may be linked to the data stored in the Cookies. Company uses Cookies to understand site usage and to improve the content and offerings on the Website. For example, Company may use Cookies to personalise your experience on the Website (e.g., to recognize you by name when you return to the Website). Company may also use Cookies to offer you products, programs, or services. Cookies may be placed on the Website by third-parties as well, the use of which Company does not control. You are free to accept or refuse the use of Cookies via the cookie banner that appears when you open/access the Website.

3.

Cookies are retained in your browser unless specifically deleted, depending on the type of Cookies. If you decline the Cookies, you may be unable to use certain features on the Website and you may be required to re-enter your password frequently. By using or accessing the Website and/or the services provided by Company, you hereby explicitly authorise Company and give your consent to Company to store, use and access Cookies for the purposes outlined in this Policy. Most browsers allow you to control Cookies through their settings, which may be adapted to reflect your consent to the use of Cookies, and they may also enable you to review and erase Cookies.

4.

You can manage browser Cookies through your browser settings. The 'Help' feature on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive Cookies, how to disable Cookies, and when Cookies will expire. If you disable all Cookies on your browser, neither we nor third parties will transfer Cookies to your browser. If you do this, however, you may have to manually adjust some preferences every time you visit the Website and some features and services may not work.

1.

The Company has taken adequate measures to protect the security of Information and to ensure that your choices for its intended use are honoured. The Company takes robust precautions to protect your data from loss, misuse, unauthorised access or disclosure, alteration, or destruction.

2.

The Company considers the confidentiality and security of your information to be of utmost importance. It, therefore, uses industry standards, and physical, technical and administrative security measures to keep Information confidential and secure and the Company will not share your Information with third parties, except as otherwise provided in this Policy. Please be advised that, however, while the Company strives to protect Information and privacy, the Company cannot guarantee or warranty its absolute security when Information is transmitted over the internet into the Website. The Company will annually evaluate this necessity considering your privacy and our relation while keeping the applicable legislation in mind. Non-Personal Information will be retained indefinitely.

3.

Access to your online account on the Website is via. your Login Credentials which is password protected and this helps to secure your account information. You are solely responsible for maintaining the confidentiality of your Login Credentials. To ensure safety of your Information, you are advised against sharing your Login Credentials with anyone. If you suspect any unauthorised use of your account, you must immediately notify the Company by sending an email to support@creddinv.in . You shall be liable to indemnify the Company for any loss suffered by the Company due to such unauthorised use of your account.

4.

For any loss or theft of Information, due to unauthorised access to your device through which you use the Website or other reasons solely attributable to you, the Company shall not be held liable or responsible under any circumstance whatsoever. Further, the Company shall not be responsible for any breach of security or for any actions of any third parties/vendors or events that are beyond the Company’s reasonable control including but not limited to acts of government, computer hacking, unauthorised access to computer data and storage device, computer crashes, breach of security and encryption, poor quality of internet service or telephone service of the user, etc.

The Company does not intend to attract anyone under the relevant age of consent to enter into binding legal contracts under the laws of their respective jurisdictions. The Company does not intentionally or knowingly collect Personal Information through the Website from anyone under that age. The Company encourages parents and guardians to be involved in the online activities of minors to ensure that no Personal Information is collected from a minor without their prior consent. If you are using the Website on behalf of someone else, including but not limited to, on behalf of your minor child/children/employer, you represent and warrant that you are authorised by such person to accept this Policy on their behalf and to consent on behalf of such person to the Company’s use of such person’s Personal Information as described in this Policy.

1.

The Company shall not be liable to you for any loss of profit, anticipated savings, goodwill, reputation or business opportunities or any type of direct or indirect, incidental, economic, compensatory, punitive, exemplary or consequential losses arising out of performance or non-performance of its obligations under this Policy.

2.

The Company is not responsible for any actions or inactions of any third parties that receive your Information.

3.

Notwithstanding anything contained in this Policy or elsewhere, the Company shall not be held responsible for any loss, damage or misuse of your Information, if such loss, damage or misuse is attributable to a Force Majeure Event and/or any third party. The term “Force Majeure Event” shall mean any event that is beyond the reasonable control of the Company and shall include, without limitation, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes, lockouts or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, civil disturbances, unauthorised access to computer data and storage device, computer crashes, breach of security and encryption, epidemic, pandemic or national/state lockdown due to any reason and any other similar events not within the control of the Company and which the Company is not able to overcome.

Once you register as a user on the Website, you may receive multimedia text messages as SMS, WhatsApp, Facebook, Instagram, Email, and phone calls from the Company on the registered mobile number and e-mails on your registered e-mail address. These messages, e-mails and calls could relate to your registration, transactions that you carry out through the Website and promotions that are undertaken by the Company. You have the option to 'opt-out' of all Company’s newsletters and other general email marketing communications by way of links provided at the bottom of each mailer. The Company respects your privacy and in the event that you choose to not receive such mailers, the Company shall take all adequate steps to remove you from such lists. However, you will not be able to opt-out of receiving administrative messages, customer service responses or other transactional communications.

We display personal testimonials of satisfied customers on our Website in addition to other endorsements. With your consent we may post your testimonial along with your name and other information. If you wish to update or delete your testimonial, please contact us at support@creddinv.in.

The Company reserves the right to update, change or modify this Policy at any time. The Policy shall come to effect from the date of such update, change or modification. It is recommended that you regularly check this Policy to apprise yourself of any updates. Your continued use of the Website or provision of data or Information thereafter will imply your unconditional acceptance of such updates to this Policy.

Without reference to any conflict of laws principles, this Policy shall be governed by and interpreted and construed in accordance with the laws of India. The place of jurisdiction shall exclusively be in Bangalore, Karnataka, India. In the event of any dispute arising out of this Policy, the same shall be settled by binding arbitration conducted by a sole arbitrator, appointed jointly by both parties and governed by the Arbitration and Conciliation Act, 1996. The seat and venue of arbitration shall be Bangalore, Karnataka, India.

In accordance with the Information Technology Act, 2000 and Rules made thereunder, the name and contact details of the Grievance Officer are provided below:
Name: Mr. Anil Kar
Address: NO 1207/343 & 1207/1/343/1, 9th Main, 7th Sector, HSR Layout, Bangalore - 560102
Cell: (+91) 9916144222
E-mail: compliance@creddinv.in

If you have any questions or concerns about this Policy, you may contact the Company at support@creddinv.in.