Privacy & Security Policy

Introduction

Kreditex Finovate Pvt Ltd (referred to as "we," "our," or "Kreditex") is committed to safeguarding the privacy and security of your personal information. This Privacy & Security Policy (the "Policy") describes how we collect, use, and protect your personal information when you access or use our website www.kreditexfinovate.com (the "Website") and related services (the "Services"). By using our Website and Services, you agree to the terms outlined in this Policy.

Personal Information

"Personal Information" refers to any data that identifies or can be used to identify an individual, either directly or indirectly. This includes but is not limited to sensitive data such as user IDs, passwords, and financial information.

Applicability

This Policy applies to all visitors, users, and customers of our Website and Services, including current and former users. By accessing or using our Website, you consent to the practices described in this Policy. We may update this Policy from time to time, and we will notify you of any material changes by email or by posting a notice on our Website.

Express Consent

By providing your Personal Information through our Website, you consent to us contacting you for the purposes of providing our Services, including promotional offers and updates. You also agree to waive any Do Not Call (DNC) or Do Not Disturb (DND) registrations for the purposes of these communications.

Purpose and Usage

  • How We Use Your Information

    1. Service Improvement: To enhance our Website and Services.
    2. Communication: To send administrative notices, promotional offers, and updates relevant to our Services.
    3. Application Processing: To process applications for financial products and services.
    4. Market Research: To conduct research, plan projects, and prevent fraud.
    5. Third-Party Contractors: To work with third-party service providers who adhere to our privacy standards.
    6. Legal Compliance: To comply with applicable laws and regulations.
  • Co-Brand Partners

    1. When you access Services through a co-branded URL, your Personal Information may be shared with our co-brand partners to process your application.
  • Sensitive Information

    1. To apply for financial products, you may need to provide sensitive information such as your financial data and account credentials. This information is used solely for processing your application and is not stored long-term.
  • Third-Party Services

    1. We may use third-party service providers to help us deliver our Services, including sending emails or managing website functionality. These providers are bound by confidentiality agreements.

Disclosure / Sharing

We may disclose your Personal Information:

  • To complete transactions initiated by you.
  • To third-party service providers under confidentiality agreements.
  • To comply with legal obligations or protect our rights.
  • To respond to lawful requests and legal processes.

Email & SMS Communications

We send periodic emails and SMS communications, including promotional content. You can opt out of receiving promotional emails by following the instructions in the emails. However, service-related communications cannot be opted out of.

Log Files

We collect log file information, including IP addresses, browser types, and other technical details, to improve our Services and understand how users interact with our Website.

Behavioral Targeting / Re-Targeting

We use third-party partners to display targeted ads based on your browsing activities. You can opt out of interest-based ads, but you will continue to receive generic ads.

Third-Party Services

Our Website may include links to third-party websites or services. Their privacy practices are governed by their own policies. We are not responsible for their privacy practices.

Testimonials and Forums

If you provide a testimonial or participate in public forums on our Website, your information may be visible to other users. Contact us if you wish to remove your testimonial or content.

    Additional Policy Information

  • Widgets: Our Website may include interactive widgets that collect Personal Information. These are governed by the widget provider's privacy policy.
  • Single Sign-On: Using third-party sign-in services may share certain Personal Information with us.
  • Links to Third-Party Sites: Links to external sites are not covered by this Policy. Review their privacy policies before providing your information.

Data Security

We use industry-standard security measures, including encryption and secure servers, to protect your Personal Information. While we strive to safeguard your data, no method of transmission over the Internet or electronic storage is entirely secure.

User Responsibilities

You are responsible for maintaining the confidentiality of your login credentials. Notify us immediately if you suspect any unauthorized access to your account.

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