Privacy Policy
CREDIIXA. (crediixa.in)
along with its (Crediixa Website and Mobile App)
recognizes the importance of maintaining your privacy. Crediixa.in is
committed to maintain the confidentiality, integrity and security of all
information of its users. This Privacy Policy describes
how Crediixa.in collects and handles certain information it may collect and/or
receive from you via the use of this Website. This Privacy Policy applies to
current and former visitors to our Website. By visiting and/or using our
website, you are accepting and consenting to the practices described in this
Privacy Policy.Your consent will be stored in our
system for record purpose.
By
using or continuing to use the Website you agree to our use of your information
(including sensitive personal information as defined under the Information
Technology Act, applicable rules, notification etc.) in accordance with this
Privacy Policy, as may be amended from time to time by the Website in its
discretion.
We
respect your privacy. You are advised to please read the Privacy Policy
carefully. By accessing the services provided by www.crediixa.in, you agree to
the collection and use of your data by www.crediixa.in and you are authorizing
us & our associate partners to give you a call, SMS, IVR, & Whatsapp to offer you their services for the product you
have opted for, imparting product knowledge, offering promotional offers
running on website & offers offered by the associated third parties. You
also authorize us to give you a call, SMS, IVR & WhatsApp from Crediixa.in
& its associate partners for the above mentioned purposes, the consent also
overrides your current TRAI registrations. By Pressing 1 on Crediixa.in IVR
Calls for any product/services, you are giving us & associate partners your
consent to reach you via call, SMS, IVR, Whatsapp
& to check your eligibility to offer the best product as per your
profile.
Personal Information - What do we
Gather?
The
information we take from customers helps us personalize and continually improve
your experience on the Website/App. Here are the types of information we
gather.
Personal Information How do we use
it?
crediixa.in collects
your information when you register for an account, when you use its products or
services or visit its Website's pages. When you register with crediixa.in,
you are asked for your Full Name, Email address and Mobile Number. Once you
register at the Website/App and sign in you are not anonymous to us. Also, you
are asked for your contact number during registration and may be sent SMS,
notifications about our services to your wireless device. Hence, by registering
you authorize crediixa.in (including its business partners
and affiliates) to send texts and email alerts to you with your login details
and any other service requirements, including promotional mails and SMS, even
if you have registered yourself under DND or DNC or NCPR services.
Your authorization shall be valid as long as your account is not deactivated.
We use your
information in order to:
Some
features of this Website or our Services will require you to furnish your personally
identifiable information as provided by you under your account section on our
Website.
You
also agree and consent to us for collecting, storing, processing, transferring
and sharing information (including sensitive personal information) related to
you with third parties or service providers for the purposes as set out in this
Privacy Policy.
Your
consent for the application is valid for 180 days from the date of application.
We may send your application to our partners for the required product during
the consented period.
Disclosures: Information Sharing
crediixa.in will
not sell or rent or otherwise disclose your information for commercial purposes
to anyone in a way that is contrary to the commitments made and/or other than
as set forth in this Privacy Policy. However, we may share your information
with third parties, such as our group companies, employees, agents, business
partners (including banks and NBFCs), Credit Information Companies (CICs),
Service Providers with whom we have partnerships, and any affiliates, for
purposes described within this Privacy Policy. crediixa.in may
also share, sell, and/or transfer your personally identifiable information to
any successor-in-interest as a result of a sale of any part of crediixa.in business
or upon the merger, reorganization, or consolidation of it with another entity
on a basis that it is not the surviving entity. For the purposes of this
paragraph, "affiliate" means any person, company, or crediixa.in directly,
or indirectly through one or more intermediaries, that controls, is controlled
by or is under common control with crediixa.in (The
term "control," as used in the preceding sentence, shall mean with
respect to any person, the possession, directly or indirectly, of the power,
through the exercise of voting rights, contractual rights or otherwise, to
direct or cause the direction of the management or policies of the controlled
person. As used in this Privacy Policy, the term "Person" includes
any natural person, corporation, partnership, limited liability company, trust, unincorporated association, or any other
entity).
We
limit the collection and use of your personal information. We may make
anonymous or aggregate personal information and disclose such data only in a
non-personally identifiable manner. Such information does not identify you
individually. Access to your Account information and any other personally
identifiable information is strictly restricted and used only in accordance
with specific internal procedures, and for the purposes set out in this Privacy
Policy, in order to operate, develop or improve our services. We may use third
party service providers to enable providing you with our services and we
require such third parties to maintain the confidentiality of the information
we provide to them, under our contracts with them.
We
may also share your information, without obtaining your prior written consent,
with government agencies mandated under the law to obtain information for the
purpose of verification of identity, or for prevention, detection,
investigation including cyber incidents, prosecution, and punishment of
offences, or where disclosure is necessary for compliance of a legal
obligation. You agree and consent for the Website to disclose your information,
if so required, under applicable law.
There
are a variety of products/services such as loans and credit cards offered by
third Parties on the Website, such as lenders, banks, credit card issuers. If
you choose to apply for these separate products or services, disclose information
to these providers, then their use of your information is governed by their
privacy policies in addition to the Privacy Policy of the Website. crediixa.in is not
responsible for their privacy policies. We encourage you to visit and read
about the privacy notices and procedures adopted by these third
parties/providers, when you apply for their products or services.
Cookies: We do Collect
them
A
cookie is a piece of data stored on the user's computer tied to information
about the user. We may use both session ID cookies and persistent cookies. For
session ID cookies, once you close your browser or log out, the cookie
terminates and is erased. A persistent cookie is a small text file stored on
your computer hard drive for an extended period of time. Session ID cookies may
be used by crediixa.in to track user preferences while
the user is visiting the website. They also help to minimize load times and
save on server processing. Persistent cookies may be used by crediixa.in to
store whether, for example, you want your password remembered or not, and other
information. Cookies used on the crediixa.in website
do not contain personally identifiable information.
Most
browsers will tell you how to prevent your browser from accepting new cookies,
how to have the browser notify you when you receive a new cookie and how to
disable cookies altogether. Additionally, you can disable or delete similar
data used by browser add-ons, such as Flash cookies, by changing the add-on's
settings or visiting the website of its manufacturer.
However,
because cookies allow you to take advantage of some of the Website essential
features, we recommend that you leave them turned on. For instance, if you
block or otherwise reject our cookies, you may not be able to use any Website
products and services that require you to Sign in.
Revocation of Consent
If
you feel that we do not require the retention of your personal information or
if you ask us to delete or remove your personal data where you think we do not
have the right to process it we shall destroy or delete such Customer
information. You may, at any time while availing of our Services or otherwise,
withdraw the consent given earlier to us to collect and use your sensitive
personal data or information by writing to us at unsubscribe@crediixa.in.
However, in the case of you withdrawing such consent, crediixa.in shall have
the option to stop providing you the Services for which the information was
sought. You will not be eligible for a refund of any fees paid for any service
in such event and you agree that the Website shall not be liable to you for the
same in any manner whatsoever.
Log Files
Like
most standard websites, we use log files. This information may include internet
protocol (IP) addresses, browser type, internet service provider (ISP),
referring/exit pages, platform type, date/time stamp, and number of clicks to
analyze trends, administer the site, track user's movement in the aggregate,
and gather broad demographic information for aggregate use. We may combine this
automatically collected log information with other information we collect about
you. We do this to improve services we offer to you, to improve marketing,
analytics or site functionality.
Personal Information: How do we Secure it?
crediixa.in understands
that the confidentiality, integrity, and availability of your information are
vital to our business operations and our own success. We employ appropriate
technical and organizational security measures at all times to protect the
information we collect from you. We use multiple electronic, procedural, and
physical security measures to protect against unauthorized or unlawful use or
alteration of information, and against any accidental loss, destruction, or
damage to information. However, no method of transmission over the Internet, or
method of electronic storage, is 100% secure. Therefore, we cannot guarantee
its absolute security. Further, you are responsible for maintaining the
confidentiality and security of your login id and password, and may not provide
these credentials to any third party.
Your Control Over Your
Personal Information
It's
important to note that the information we use about you helps us provide you
with products, services and experiences that benefit you. You have the ability
to control how your non-personal information is collected and used online.
You
also have the ability to choose what personal information, including what
sensitive personal information (i.e. your financial information) you provide to
us. However, if you choose not to provide all of the information and data that
is requested of you, we may not be able to provide you with the Services that
you have subscribed to.
You
may, at any time while availing of our Services or otherwise, withdraw the
consent given earlier to us to collect and use your sensitive personal data or
information by writing to us at grievance@crediixa.in.
However, in the case of you withdrawing such consent, crediixa.in shall
have the option to stop providing you the Services for which the information
was sought. You will not be eligible for refund of any fees paid for any service
in such an event and you agree that the Website shall not be liable to you for
the same in any manner whatsoever.
When
you provide your contact details, we will use it to send you general notices or
important news about your account, request your feedback or opinions and
provide updates on special deals and offers that might interest you.
We
believe you should be able to choose what kinds of information you receive via
email/SMS. If you do not want to receive marketing materials by email/SMS, just
indicate your preference on the contact information for your account or the
'opt-out' or unsubscribe link provided in our marketing emails and you can also
write to us at contact@crediixa.in. Please note that
it may take about 10 days to process your request. Please keep in mind that we
will continue to notify you by email /SMS/via phone calls regarding your
services with us, even after you have opted out.
You
can review the information that you have provided to us by logging into your
account at the Website and correct or amend any personal information or
sensitive personal data or information to ensure that the information or data
you provided us is accurate and/or not deficient. crediixa.in is
not responsible for the authenticity of any personal information or sensitive
personal data or information supplied to it by you or any third party.
Third-Party Advertisers and Links to
Other Websites
Third Party
Advertising
We
may use third-party advertising companies and/or ad agencies to serve ads when
you visit our Website. These companies may use information (excluding your
name, address, email address, or telephone number) about your visits to this
Website in order to provide advertisements on this Website and other third
party websites about goods and services that may be of interest to you.
We
use third-party service providers to serve ads on our behalf across the
internet and sometimes on this Website. They may collect anonymous information
about your visits to Website, and your interaction with our products and
services. They may also use information about your visits to this and other
Websites for targeted advertisements for goods and services. This anonymous
information is collected through the use of a pixel tag, which is industry
standard technology used by most major Websites. No personally identifiable
information is collected or used in this process.
Links to Other
Websites
We
may use third-party advertising companies and/or ad agencies to serve ads when
you visit our Website. These companies may use information (excluding your
name, address, email address, or telephone number) about your visits to this
Website in order to provide advertisements on this Website and other third
party websites about goods and services that may be of interest to you.
There
might be affiliates or other sites linked to crediixa.in.
Personal information that you provide to those sites are not our property.
These affiliated sites may have different privacy practices and we encourage
you to read their privacy policies of these websites when you visit them.
Grievance Officer
In
case you have any grievances, clarification or want to address any discrepancy
with respect to the processing of any of the information/data you provided
to crediixa.in, please contact our Grievance Officer.
The name and contact details of the Grievance Officer are
provided below:
Vinoth
No 81b prince info
park Ambattur Industrial Estate,Chennai,Tamilnadu 600058.
(Crediixa.in)
Call Us:
+917010025584
Email:
If
you have questions, concerns, or suggestions regarding our Privacy Policy, we
can be reached using the contact information on our Contact Us page or
at contact@crediixa.in
Link for filing
complaint with RBI Sachet Portal: https://sachet.rbi.org.in/Complaints/Add
Changes in this Privacy Policy
crediixa.in reserves
the right to change this policy from time to time to ensure compliance with
TRAI, Rbi and other regulations applicable in India.
We encourage you to periodically review. Checking the effective date below
allows you to determine whether there have been changes since the last time you
reviewed the statement.
