General Terms & Conditions and Privacy Policy

Last Updated: 20th June 2024

By using this application, you affirmatively consent to the collection, use and transfer of your personal data for processing as described hereinafter in this Privacy Policy. All users of our Application have to carefully read this document and agree to its contents. Please do not use the application unless you agree with all of its contents

This Policy is to make You aware of the procedures adopted by Us with respect to collection, use, storage, processing, disclosure and protection of any information provided by You, in the capacity of an individual, a guest user, browser and/or representative of an entity, who uses our Services (“User” or “You/r”).

This policy describes how Optimidea NetworkPvt. Ltd. and Creditkaro App. (which are collectively referred to as the “Company“, “we”, “us” or “our”) collects and uses personal information provided by you in connection to your use of Creditkaro app and services, including any Creditkaro mobile applications (the “Service” and collectively, our “Services”). This policy also elaborates on the choices available to you regarding our use of your personal information and how you can access and update this information.

What we collect from you

  • Preferences and data about your use of our services.
  • Device information like account name, IP, android id and device model.
  • How often you use Creditkaro app.
  • Response to our offerings and advertisements.
  • Customer service information about you as a user of our services
  • Information about any devices, connections and methods used to access and interact with us; or
  • Any Other information specifically related to your use of services with us.
  • Demographic information such as age, education, gender, and interests based on your opted for data.
  • Contact information and registration data such as name, email address, mailing address, mobile/Paytm number,location, information imported from social log in permissions granted to us, if any.

Use of your personal information by us

Below are the key points for which we may use your information

  • To verify your unique Creditkaro account
  • To improve/ personalise overall App experience as your preferences

Personal Information

  • To send you information on any requested product or service.
  • To send any newsletters or any other marketing communications.
  • To communicate, interact and build stroger relationship with you.
  • To manage your account.
  • To administer contests you engaged, and notify you if you won.
  • To respond to your questions and concerns.
  • To improve our services and marketing efforts.
  • To conduct research and analysis.
  • To verify your authority to use our services.
  • To personalize the content/ advertising you receive.
  • To help offer you other products, features, or services that may be of interest
  • To comply with legal requirements and compliance – in which case, the data may be shared with Law Agencies/ Authorities, Courts or any other Judicial Authorities.

Transparency and Security

Cookies and Other Tracking Technologies

As is true of most mobile apps, we automatically gather information about your device such as your IP address, browser type, referring/exit pages, operating system, location, your mobile carrier, device information (including device and application IDs), search terms, and cookie information.

We may use cookies, or other technologies in combination with your information to enhance and personalize your experience, for example, to keep track of your preferences and profile information. Cookies are also used to collect general usage and volume statistical information that does not include personal information. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. However, it's important to remember that many of our Services may not function properly if your cookies are disabled.

Security

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. Since no method of transmission over the Internet is 100% secure, however. Therefore, we cannot guarantee its full proof security.

Please write to us at support@creditkaro.com for more information

Advertising& Disclosure on Information Sharing

Your information might be used to improve overall experience and provide personalised experience. From time to time we may use tracking / analytics tools to improve overall experience and you may be subject to their policies if you wish to opt out.

Information we share:

We do not share any personal information with any other company unless below case arise.

With your consent

We may share device-level information with companies, organizations or individuals outside of Creditkaro when we have your consent to do so. When you agree to our Privacy Policy, you provide us with consent to share your device-level information (essentially used for analytics and marketing purpose). We do not share your personally identifiable information with any entity outside Creditkaro

  • To Affiliates, Publishers, partners and Vendors in order to provide and improve our services, for marketing purposes and for advertising.
  • As required by law or other legal process, if any.
  • If we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

We may also share aggregated, non-personally identifiable information, publicly and with our partners like publishers, advertisers or connected sites. For example, we may share information publicly to show trends about the general use of our services.

Links to Other Web Sites and/or Applications

Our Service includes links to other Apps or Web sites whose privacy practices may differ from those of the Company. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any Web site/APP you visit.

Information Obtained from Third Parties

If you provide us personal information about others, or if others give us your information, we will only use that information for the specific reason for which it was provided to us.

Third Party Data Policy

From time to time we may use tools to analyse and improve overall experience and you be subject to their privacy policy in that case. If you wish to change or alter anything from our end. Please feel free to write to us at support@creditkaro.com

Additional Policy Information

Many of our services might require you to login or register to their platform or post your personal information. Please do that on your consent as we will not be responsible for how others might use your information and you will be abide to their policies in this case.

Correcting and Updating Your Personal Information

You can change your personal information through the app if you feel there is any problem please write to us at support@creditkaro.com

Notification/changesto this policy

We may update this privacy policy from time to time to reflect changes to our information practices. We encourage you to periodically review this page for the latest information on our privacy practices.

Contact Us

Email :- support@creditkaro.com

Address :- JMD Megapolis, Unit No-255/256, 2nd Floor, Sohna Road, Sector 48, Gurugram, Haryana 122001

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