Improve Credit Score PRIVACY POLICY
The purpose of this policy is to maintain the privacy of and protect the personal information of vendors, (and/or any of their employees), partners, members, and end-users of Improve Credit Score or any other individual whose personal information we receive and to ensure compliance with all laws applicable to us.
The contents of this privacy policy (“Privacy Policy”) along with the general terms and conditions. You hereby acknowledge having read and accepted the terms of the Privacy Policy by use of this Website and/or otherwise by expressly consenting to provide us with your personal information. The capitalized terms used herein and not defined shall have the meaning set out in the General TNC.
The capitalized terms used herein and not defined shall have the meaning set out in the General TNC.
PRIVACY STATEMENT
Our Privacy Policy explains:
- What information we collect, how and why / the purpose for which we collect it.
- How we use that information
- Disclosure of information
- Safety measures and procedures.
- Changes
- Addressing your concerns about your Personal Information
This Privacy Policy describes our policies and practices on the collection, use, disclosure, storage and security of information on the Websites.
Our Privacy Policy explains:
- What information we collect, how and why / the purpose for which we collect it.
- How we use that information
- Disclosure of information
- Safety measures and procedures.
- Changes
- Addressing your concerns about your Personal Information
Information We Collect and How:
“Personal Information” means any information that relates to a natural person, which, either directly or indirectly, in combination with other information capable of identifying such person and includes Sensitive Personal Data or Information which means such personal information which consists of information relating to:
Password;
Financial information such as Bank account or credit card or debit card or other payment instrument details;
Physical, physiological and mental health condition;
Medical records and history;
Biometric information;
Any other details relating to the above
Provided that, any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal data or information.
Through your use of the Websites, you may choose to provide us with Personal Information that identifies you or any other individual whose information you are authorized to provide. . Some examples of personal information that you may choose to provide Improve Credit Score, depending on the Products and Services you use and local law, are: name, address, identity and address proof, PIN code, gender, age, any personal unique identifier (such as PAN), email address, number, payment details, contact information, billing information, loan account numbers, information about third parties, such as references, mentors or contacts, that you provide to Improve Credit Score if it pertains to you or if you has their express written consent to do so.
Information we Collect Automatically
In general, you can visit this Website without telling us who you are or revealing any Personal Information about yourself. We routinely collect certain device-related and analytics information about our visitors and their use of our Websites. We track the Internet Protocol (IP) address from which people visit us/ our Websites for security reasons This IP address does not enable us to identify you by name or contact details, but it does allow us to maintain communication with your device during your visit. It also allows us to identify the location and country you are visiting from. We use the information we automatically receive from your web browser to see which pages you visit within our Website, which Website you visited before coming to ours, and where you go after you leave. We develop statistics that are helpful to understand how our visitors can use this Website. We use this information in the aggregate to measure the use of our Website and to administer and improve our Website. This statistical data is interpreted by us in its continuing effort to present the Website content that visitors are seeking in a format they find most helpful.
Certain other information may also be collected from your device automatically, if so, permitted by you through your internet browser / device settings, which would be used to display the Websites correctly on your device.
We will not retain personal information that we have collected for a duration longer than is required for the purposes for which the information was collected to be used or is otherwise required to be retained under any applicable law for the time being in force. However, as per the provisions of CICRA, we are required to retain credit information and personal data, as defined under CICRA, for a minimum period of 7 (seven) years from the date of collection.
Purpose of Collection
The information we collect in order to provide our customers and end-users our products and services. Further the information we collect is also used to improve our services to you and/or fulfil obligations/ functions under the applicable laws including CICRA / contractual arrangements with you. You agree that we or our third-party service providers collect your IP address or other generic identifier, which would not be capable of identifying you by your name. At times, we also use these identifiers to collect information regarding the frequency with which our guests visit various parts of our websites.
Personalization. We may combine your credit information or other information collected through cookies and other technical methods with personally identifiable information in order to understand, improve and personalize your online experiences. There are times when we may, with your consent, collect personal information from you such as name, physical and email address, phone number for the purpose of enabling you to avail the services offered by Improve Credit Score and to enable Improve Credit Score to conduct its activities in accordance with the applicable laws and its contractual arrangements with you. If you choose not to provide the information we request, you can still visit this Website, but you may be unable to access certain options, offers and services.
Provision of Services and other Purposes. If and to the extent permissible under and subject to the applicable laws, Improve Credit Score may share your information with third parties (including not limited to its members and partners) for fulfilment of its functions under CICRA or activities ancillary thereto. Improve Credit Score discloses information to companies and individuals it employs to perform functions on its behalf. Examples include hosting our web servers, analyzing data, providing marketing assistance, processing card payments, providing customer service etc. Improve Credit Score may disclose such information to third parties if you consent to such disclosures. If you expressly indicate that you would like to receive information about the opportunities, products or services of third parties, Improve Credit Score would supply your contact information to select third parties (including not limited to its members and/or partners), or others for the purpose of sending you e-mail or otherwise communicating with you. Such aggregated data does not identify users of the Website or the end-users individually and may be made available to various market intermediaries. Improve Credit Score may use the information it collects for the Products and Services, to provide, maintain, protect, and improve the Products and Services, to develop new ones, and to protect Improve Credit Score and our other consumers. Improve Credit Score also uses this information to offer you tailored content – like giving you more relevant search results and advertisements. Improve Credit Score may use the email address and other details to inform you about Improve Credit Score’s Products and Services, such as letting you know about upcoming changes or improvements etc.
You agree that we or any of our members and/or partners may contact you from time to time to provide the offers/ information of such products/ services that we believe may benefit you.
Improve Credit Score may disclose and transfer such information to a third party who acquires any or all of Improve Credit Score’s business units, whether such acquisition is by way of merger, consolidation, or purchase of all or a substantial portion of our assets or by any other permitted way.
Disclosure of Information
We may use personal information shared by you or the Consumer during the process of registration or otherwise for verification purposes and the customer agrees and allows Improve Credit Score to share such information with third parties solely for verification purposes. We may also use your information to update our consumer credit database.
We may provide information so collected from you to government authorities or any court of law as per the applicable laws of India or as per our agreement with our third-party service providers or any third party. However, such third party receiving your personal information shall not disclose it further, except if required under any law.
We may need to disclose personal information when the law requires, such as responses to civil or criminal summons/subpoenas, or other requests by law enforcement personnel. We will disclose such information wherein we have a good faith belief that it is necessary to comply with a court order, ongoing judicial proceeding, subpoena, or other legal process or request to Improve Credit Score brought in any country throughout the world, or to exercise our legal rights or defend against legal claims.
Additionally, any disclosure of credit information received by Improve Credit Score under the provisions of CICRA is made only if such disclosure is permitted under the provisions of CICRA. As per the provisions of CICRA, all Improve Credit Score’s employees, managers, officers, authorized personnel, agents, sub-contractors, and other persons who deal with or have the right to access data, information, and credit information are essentially required to comply with confidentiality, fidelity and secrecy obligations and sign covenants in this regard.
Link to Third Party Sites
We may link to the websites of other third parties. These third-party websites may collect personal information about you on those Websites, and our Privacy Policy does not extend to these external websites and third parties. Please refer directly to these third parties and web sites regarding their privacy policies. Links to third party sites do not imply endorsement or approval of the sites by Improve Credit Score and we cannot accept responsibility for the privacy practices of any websites not controlled by us. We encourage you to review the privacy policies of any third-party sites you visit.
HOW WE COLLECT INFORMATION
Some of our web pages including our third-party service providers store and use “cookies” so that we can better serve you with customized information when you return to our site. Cookies are identifiers that a website can send to your browser to keep on your computer to facilitate your next visit to our site. You can set your browser to notify you when you are sent a cookie, giving you the option to decide whether or not to accept it.
Cookies and other technical methods may involve the transmission of information either directly to us or to another party authorized by us to collect information on our behalf. The information from the use of these technical methods may be collected in a form that identifies you personally. You may get cookies from our advertisers. We do not control these cookies, and once you have clicked on the advertisement and left our Website, our Privacy Policy no longer applies.
We also use these technical methods in HTML e-mails that we send you for many purposes including to determine whether you have opened or forwarded those e-mails and/or clicked on links in those e-mails; to customize the display of the banner advertisements and other messages after you have closed an email; and to determine whether you have made an inquiry or purchase in response to a particular email.
Application
This privacy policy does not apply to services offered by other companies or individuals, including products or sites that may be displayed to you in search results, sites that may include Improve Credit Score services or other sites linked to our services. This privacy policy does not cover the information practices of other companies and organizations who advertise our services, and who may use cookies, pixel tags, and other technologies to serve and offer relevant ads.
SAFETY MEASURES AND PROCEDURES
We will not sell, trade, or disclose to third parties any information derived from the registration for, or use of, any online service (including names and addresses) without your consent unless required under applicable law save and except to any of our Members and/or Affiliates for helping you in receiving loans or other purposes about the businesses of our Members and Affiliates and as may be required by legal process or in the case of imminent physical harm to any person. Further, Improve Credit Score will allow its Members and affiliates to access the information for purposes of confirming your registration and providing you with the benefits you are entitled to.
Upon withdrawal of consent by you, personal information shared by you or any Consumer will not be used/retained by Improve Credit Score for any purposes. You may withdraw the consent by way of unsubscribing from the services offered by Improve Credit Score or by sending a written notice of withdrawal to Improve Credit Score.
We will take appropriate steps to protect the information you share with us. We have implemented reasonable security practices and procedures, technology and security features, and strict policy guidelines to safeguard the privacy of your personally identifiable information from unauthorized access and improper use or disclosure. We will continue to enhance our security procedures as new technology becomes available.
Improve Credit Score shall not publish the personal information provided by you without your consent save and except as stated in this Privacy Policy and/or in the General TNC.
Despite these reasonable efforts to safeguard personal information from loss, theft, alteration, or other types of misuse, we cannot guarantee that such loss will never occur. There is always a risk that a third party, without our authorization, might unlawfully access our systems or otherwise access personal information. Whilst we undertake reasonable measures, we are also not responsible for the authenticity of any information that is provided by you or otherwise collected from your use of the Websites, whether personal or otherwise.
CHILDREN’S PRIVACY
The Websites are not intended or designed to attract or be otherwise used by children under the age of 18 years. By using the Websites, you confirm that you are either 18 years of age or more, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into, comply with and be bound by the terms, conditions, obligations, affirmations, representations, and warranties set forth in this Privacy Policy.
Children under 18 years of age should not submit any personal information to us without the express permission of their parent or legal guardian. If you believe that your child has submitted personal information and you would like to request that their information be removed from our systems, please reach out to us at the contact information provided below. We will make reasonable efforts to comply with your request.
CHANGES
We reserve the right to modify this privacy policy at any time, so please review it frequently. If we make material changes to this privacy policy, we will notify the same using a notice on our home page. By continuing to use any of our services after notice of changes has been published on the Website, you are consenting to the changes.
If our privacy policy changes in the future, it will be posted here, and a new effective date will be shown. You should access our privacy policy regularly to ensure you understand our current policies. Improve Credit Score will attempt to respond to all reasonable concerns or inquiries on a best-efforts basis within a reasonable period.
Improve Credit Score may provide notifications, whether such notifications are required by law or are for marketing or other business-related purposes, to you via email notice, written or hard copy notice (including via fax), or through posting of such notice on the Website. Improve Credit Score reserves the right to determine the form and means of providing notifications to you, provided that you may opt out of certain means of notification as described herein. Improve Credit Score is not responsible for any automatic filtering that you or your network provider may apply to email notifications we send to the email address you provide us.
We may choose to use testimonials/ feedback provided by you via email or on the Website for marketing purposes. By making any suggestions, feedback, or comments on our Website, for our people and services, you have agreed to allow us to publish the same for marketing purposes by Improve Credit Score.
ADDRESSING YOUR CONCERNS ABOUT YOUR PERSONAL INFORMATION
Any requests, questions, clarifications, or grievances concerning this Policy or about your Personal Information can be sent to our Officer at:
Name: Mr. Nikhil Shendurnikar
Postal address:
Improve Credit Score
Plot No.25 Sai Krupa, Central Excise Colony, Chatrapati Square, Ring Road, Nagpur – 440015
Email address: creditscoresimprove@gmail.com
If you wish to receive a response by email or mail, please be sure to include your name and postal address or email address, as the case may be.
All grievances shall be redressed expeditiously. Subject to complete details about the grievance being provided, the Grievance Officer shall redress all grievances within a maximum period of 30 days from the date of receipt of the grievance.
GOVERNING LAW
This Privacy Statement is governed by the laws of India. Any action, suit, or other legal proceeding, that is commenced to resolve any matter arising under or relating to this Policy website, shall be subject to the exclusive jurisdiction of the courts at Nagpur, India.