PRIVACY POLICY
- GENERAL
a) This document constitutes an electronic record under the Information Technology Act, 2000 and its amendments. It is generated by a computer system and does not require physical or digital signatures.
b) This policy is published in compliance with Rule 3(1) of the Information Technology (Intermediaries guidelines & digital media ethics code) Rules, 2021, which mandates the publication of rules, privacy policy, and Terms of Use for https://www.creditcares.com.
c) The domain https://www.creditcares.com (“Website”) is owned and operated by Creditcares, a Private Company incorporated under the Companies Act, 2012, with its registered office at 56L, Bidhannagar Rd, Ultadanga, Kolkata, West Bengal 700067. The expressions ‘Company’, ‘We’, ‘Us’, or ‘Our’ include its representatives, administrators, employees, directors, officers, agents, and assigns.
d) Definitions:
i) ‘You’ or ‘User’ refers to any legal person or entity accessing or using the services provided on this Website.
ii) ‘Party’ or ‘Parties’ refers to the User and the Company individually or collectively, as the context requires.
e) Section headings are provided for organization and do not impact the interpretation of the provisions herein.
f) Use of the Website signifies acceptance of this Policy and the Terms of Use.
g) This Policy, together with the Terms of Use, constitutes a legally binding agreement between the User and the Company.
h) The Company reserves the right to amend this policy at its discretion, with updated versions posted on https://www.creditcares.com. Users are responsible for reviewing the Policy periodically.
- COLLECTION OF PERSONAL AND OTHER INFORMATION
a) The Company collects and stores the User’s personal information provided on the Website, including but not limited to username, email address, name, address, age, date of birth, sex, nationality, and other relevant details necessary for the provision of services.
b) The Company may automatically track certain information about the User based on their IP address and behavior on the Website to understand user demographics, interests, and behavior patterns for service improvement.
c) User-generated content such as messages, reviews, or feedback posted on the Website may be collected and used for dispute resolution, customer support, or as permitted by applicable laws.
d) All information related to the User, whether provided directly or indirectly, may be compiled and stored by the Company for record-keeping and service enhancement purposes.
e) Certain activities on the Website, such as placing orders, require the User to provide valid personal information for registration. Contact information may be used for sending promotional offers.
f) Users may be invited to participate in optional online surveys to provide demographic information, which helps customize the Website’s content and services.
g) Users may be requested to write reviews for products/services purchased or availed of on the Website, which may be published to assist other users in making informed decisions.
h) The Company reserves the right to remove or modify User-generated content without prior notice.
- COOKIES
a) The Website uses ‘Cookies’ to store information on the User’s web browser, including login identification and preferences. By using the Website, Users consent to the use of cookies.
b) Cookies are essential for analyzing web page flow, measuring promotional effectiveness, and improving user experience. Some features may be unavailable if cookies are disabled.
- DIVULGING/SHARING OF PERSONAL INFORMATION
a) The Company may share the User’s personal information with corporate entities and affiliates to improve services, prevent fraud, or facilitate joint services.
b) Personal information may be disclosed if required by law or in response to legal processes, including subpoenas or court orders.
c) In the event of business mergers, acquisitions, or re-organization, personal information may be shared with other business entities while maintaining compliance with applicable laws and regulations.
- SECURITY
Transactions on the Website are secure and protected. The Company does not store credit/debit card information. Such information is handled directly by authorized payment aggregators/gateways. - THIRD PARTY ADVERTISEMENTS / PROMOTIONS
The Website may use third-party advertising companies to serve ads based on User interests. Users may receive customized advertisements based on their browsing history. The Website may contain links to third-party websites; users visit such sites at their own risk. - USER’S CONSENT
By using the Website, the User expressly consents to the collection, use, disclosure, and storage of their information in accordance with this Policy. - GRIEVANCE OFFICER
For grievance redressal or queries related to this Policy, Users may contact:
Mr. Yash Jaiswal
Email: Yashnwork@gmail.com - DISPUTE RESOLUTION AND JURISDICTION
Any disputes arising out of or in connection with this Policy will be resolved through mediation and arbitration under the laws of India. The Courts at Kolkata shall have exclusive jurisdiction over any disputes between the Parties.
Disclaimer:
This website provides information about various loan products, insurance products, credit scores, and links to other websites or resources. Please note that Creditcares does not control the information or links provided, as they are received from Banks, NBFCs (Non-Banking Financial Companies), Insurance companies, and credit rating agencies.
Users of this website acknowledge that Creditcares.in is offering this information and these links solely for convenience. Creditcares.in does not verify the accuracy of such information and is not responsible for its veracity.
Users are strongly advised to independently verify the information and conduct other necessary due diligence before making any decisions. Creditcares.in, its employees, partners, and associated staff are not liable for any loss, harm, or damage resulting from the usage of information from this website.
Furthermore, users’ use of links to external websites is subject to the terms of use and privacy policies located on those sites.
This Privacy Policy is subject to periodic updates, and Users are advised to review it regularly for changes.