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www.creditvidya.com (hereinafter referred to as the “Website”) is a Website registered in the name of and being operated by InfoCredit Services Private Limited, a company incorporated under the provisions of the Companies Act, 1956, having its registered office at IB, 804 Siddachal, Phase 6, Pokran Road No 2, Thane West, Mumbai - 400607, and is hereinafter referred to as the “Company” or “we” or “us” or “our”.
The Company shall strive to seek only relevant personal information about you that are required for us to provide you with the appropriate credit analysis and credit advice and other services more particularly stated in the Terms and Conditions. As a customer or potential customer of the Company, you have the opportunity to make choices about how personal information about you may be shared. As you consider this, the Company encourages you to make choices that enable the Company to provide you with quality products and services that help you meet your financial needs and objectives.
The security of personal information about you is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable law. We train our employees in the proper handling of personal and sensitive information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal and sensitive information they receive. The Company does not sell or forward or rent your personal information you share with it, to any third party for any purposes like marketing etcetera without your explicit consent.
We want you to understand what personally identifiable information ("Information") that is collected through a website operated by us and how it may later be disclosed.
You can visit Website and find out about the Company’s products and services and use value‐added services that may be available without giving us any Information about yourself. If you must register at a web site to use one of its features or are interested being contacted by the Company about its products and/or services, you may input Information about yourself at the Website. Where available, you may update your contact Information online. Otherwise, you will need to contact the Company at the telephone number provided in order to do so.
Non‐customers who receive promotional e‐mail messages about the Company’s products and services may elect to not receive ('opt out' of) further messages. If you opt out from receiving these e‐mail messages, we will retain your e‐mail address solely for the purposes of honouring your request.
There may be a charge for certain Information that is requested. It may also be possible for you to review and change contact information such as address, phone and e‐mail information by signing on and updating their personal profile. To protect your privacy, proof of identity or other authentication is required any time you contact us.
The Information we collect about you comes from the following sources:
1. Information we receive from you on applications or other forms, such as your name,
2. address, and telephone number,
3. Information about your transactions with us, our affiliates, or non‐affiliated third parties,
4. such as your account balances, payment history, and account activity,
5. Information we receive from a consumer reporting agency such as your credit bureau,
6. reports and other information relating to your creditworthiness, and
7. Information we receive about you from other sources, such as your employer and other
The Company may share Information with several types of entities, including other affiliates among the family of companies controlled by the Company, as well as non‐affiliated third parties.
If we disclose Information about you to non‐affiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transactions or experiences with you.
As a client of the Company purchasing the products of the Company, the Company may also collect the following information (in addition to basic contact information). This information is collected in order to carry out the Company’s legitimate business objectives such as processing payments through an online payment gateway.
The sensitive information collected is only used for legitimate business purposes and is only shared with third parties to the extent necessary to fulfil those purposes. Sensitive information is used by the Company to provide enrolled clients with the services requested by them and for processing payments.
The Company may disclose information when legally compelled to do so, in other words, when the Company, in good faith, believes that the law requires it or for the protection of the Company’s legal rights. Privileged information about a client’s case is shared only when required by a court order or with a client’s express, written permission.
Our Website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them.
This document is an electronic record in terms of existing and applicable Information Technology laws and the amended provisions thereto pertaining to electronic records in various allied statutes as amended pursuant to the Information Technology laws. This electronic record has been generated by a computer system and does not require any authentication.
Effective date of this policy: This policy was last updated on Oct 2013
We, at CreditVidya, believe in empowering you. Because we believe that knowledge is not only power but also gives you a sense of belonging. We believe in supporting the consumers by not being their crutch but as catalysts and enablers.
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