Credit Yatra (hereinafter referred to as “CreditYatra/ we/ our”) acknowledges the expectations of its customers (hereinafter referred to as “customer/ you/ your”) regarding privacy, confidentiality and security of personal information that resides with the CreditYatra. Keeping personal information of customers secure and preventing any misuse thereof, is therefore, a top priority of CreditYatra.
We state that CreditYatra is strongly committed to protect the privacy of its customers and has taken all necessary and reasonable measures in line with applicable laws and regulations as well as the best industry practice to protect the confidentiality of your personal information and its transmission through our website.
This Policy is published and shall be construed to be in accordance with the provisions of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data of Information) Rules, 2011 under the Information Technology Act, 2000 and other applicable laws and regulations that require publishing of the privacy notice for collection, usage, storage, disclosure and transfer of sensitive personal data or information.
Personal Information (“PI”) means any information/ documents/ details that relates to a natural person, which either directly or indirectly in combination with other information available with CreditYatra, can identify such person.
(i) This Policy applies to the PI such as details pertaining to your name, parentage, marital status, nationality, state/city of residence, residential address, e-mail address, date of birth, gender, contact number/mobile number, user ids, passwords, recent photograph, signature image, income proof, PAN, credit score, credit information report, e-KYC through UIDAI, Aadhaar based e-Sign and such other Know Your Customer (KYC) documents like address proof, identity proof, officially valid documents/details (OVDs) accepted for concluding a financial transaction, which may be shared/ uploaded by you, as and when you avail any products or use the Website and to which CreditYatra may become privy to.
(ii) By visiting and/or using our Website, you agree to this Policy. Further, this policy applies to all current and former visitors to the Website. It is strongly recommended for you to return to this page periodically to review the most current version of the Policy.
(iii) CreditYatra reserves the right at any time, at its sole discretion, to change or otherwise modify the Policy without prior notice, and your continued access or use of this Website signifies your acceptance of the updated or modified Policy. However, if we make any material change to the Policy, we will notify you by e-mail (sent to the e-mail address specified in your account) or by means of a notice on this Website prior to the change becoming effective.
WHAT PERSONAL INFORMATION ABOUT YOU WE GATHER:
The information we learn from customers helps us personalize and continually improve your experience at the Website.
Here are the types of information we gather:
• We receive and store any information you enter on our Website or give us in any other way. You can choose not to provide certain information but then you might not be able to take advantage of many of our services and features.
• We receive and store certain types of information whenever you interact with us. For example, like, we use “cookies” and we obtain certain types of information when your web browser accesses the Website or advertisements and other content served by or on behalf of the Website on other websites. We may also receive/store information about your location and your mobile device, including a unique identifier for your device.
• We might receive information about you from other sources and add it to our account information.
How do We Use The Information:
CreditYatra collects your information when you register for an account, when you use its products or services, visit its Website’s pages. When you register with the Website and sign in you are not anonymous to us. Also, you are asked for your contact number and other details during registration and may be sent SMS, electronic mails (“e-mails”) , notifications, Whatsapp messages about our services to your wireless device.
(i) By making use of the Website, and furnishing your personal and contact details, you hereby agree that you are interested in knowing more or availing and/or purchasing various products, services, offers, campaigns or other promotional material that CreditYatra or any other third party may offer/provide/share/send you from time to time through any means including but not limited to telephone, SMS (short messaging service), electronic mail (e-mail), Whatsapp or any other messaging service/mobile application or any other physical, electronic or digital means/mode . You hereby agree that CreditYatra may contact you either electronically or through phone, to understand your interest in the selected products and Services and to fulfil your demand or complete your application. Further you also expressly agree and authorize CreditYatra and its partners, service providers, vendors and other third parties to contact you for the purpose of offering or inviting your interest in availing other products or services offered by third parties, or for sending other marketing campaigns, offers, or any other information either on the Website or through other means including but not limited to telephone, SMS (short messaging service), electronic mail (e-mail), Whatsapp or any other messaging service/mobile application or any other physical, electronic or digital means/mode. You agree and authorize CreditYatra to share your information with its group companies, vendors, service providers, business partners, agents and other third parties, in so far as required for marketing purposes/offering/cross-selling various other products and services and/or to provide you with various value-added services, in relation with the Services selected by you or generally otherwise. You agree to receive communications through emails, telephone, Whatsapp, SMS, or any other form of messaging/communication service from CreditYatra or such third parties. You also agree that CreditYatra reserves the right to make your details available to its partner banks/financial institutions or any such other third party and that you may be contacted by the partners and/or the third party for information through email, telephone, Whatsapp and/or SMS.
(ii) The usage of the Website may also require you to provide consent for keying in your Personal Information (“PI”) (including but not limited to any personal data or sensitive personal data as defined under applicable law) or to authorize CreditYatra to derive your data/information from any other source or public registry, as may be necessary to complete your profile or your application on the Website, conduct due diligence on you, assessing your eligibility for the products/services, undertaking know-your-customer (“KYC”) checks by CreditYatra or any other third party and/or to process your application through this Website. Your PI may also be used or shared with third parties including but not limited to our vendors, service providers, credit information agencies, analytics and research partners, other banks or financial institutions, insurers or intermediaries or any other third party with the intent of making your experience on the Website better, faster and paperless and frictionless to the extent possible. CreditYatra shall adhere to best industry practices including information security, data protection and privacy law while processing such applications. However, CreditYatra shall not be liable to you against any liability or claims which may arise out of such transactions as any such PI is being collected, used, processed and shared with your explicit consent.
(iii) You hereby authorize and expressly consent us to share your PI with third parties including but not limited to Credit Information Companies (“CIC”) to do an aggregate check of your credit profile for CreditYatra to send you targeted communications and offers.
(iv) If you are no longer interested in sharing your PI, please e-mail your request at: firstname.lastname@example.org. Please note that it may take about 72 business hours to process your request. In furtherance to your usage of the Website, you expressly waive the Do Not Call (DNC) / Do Not Disturb (DND) registrations on your phone/mobile numbers for contacting you for such purpose and usage. Hence, there will be no DNC / DND check required for the number you may have left on our Website. Such modes of contacting you may include sending SMSs and/ or telephonic calls.
(v) CreditYatra reserves the right (and you expressly authorize CreditYatra) to share or disclose your PI when CreditYatra determines, in its sole discretion, that the disclosure of such information is necessary or appropriate under the law for the time being in force.
CREDIT INFORMATION REPORT:
(i) Your Credit Information (credit score and credit information report) is procured through a ‘soft search’ of your credit records with Credit Information Companies “CICs” and CreditYatra has no control over the content or accuracy of information provided in your credit information by CICs. CreditYatra gets this information from CIC for and on your behalf only when you agree to appoint CreditYatra as your lawfully appointed authorized agent/ representative for collecting your credit information from CICs. By consenting to use and avail your credit information report through CreditYatra, you agree that CreditYatra and CICs shall be entitled to rely on your authorization and consent granted by you to CreditYatra.
(ii) Availing your credit information through CreditYatra is subject to your passing of appropriate identity authentication for security and privacy purposes. CreditYatra shall not notify you the reasons if you are unable to pass such identity authentications and not able to view and/or use your credit information.
(iii) CreditYatra may analyze and profile your credit information in order to assist you in being better informed about, understand and manage your credit score/rating, identify and inform you of credit products that are likely to be suited to your circumstances, to identify whether you may benefit from additional guidance concerning your credit score and steps you can take to improve your score and credit history etc. For more details please access CreditYatra’s Terms of Service for Credit Information Report.
(i) CreditYatra collects, receives, possesses, stores, deals or handles PI received from investors/client/customers whether existing or prospective. Such PI may be as per the indicative list given below:
Bank Account details, change of bank account details or registration of multiple bank accounts etc. through application forms;
Payment instrument details at the time of submitting application at the time of investment or as proof for carrying out change of bank account or any other details of debit card obtained (if any);
Generation and storing password (PIN) in encrypted form based on the request from the investor under the online mode of investments;
Demographic /Biometric information obtained, if any;
Demat Account details like beneficiary account no. etc.;
Annual Income and savings profile; and
Any other information as may be considered as PI.
(ii) The aforesaid information is being collected by CreditYatra to respond to your requests, to process the investment applications and to also ensure safe subscriptions/redemptions of mutual fund investments. CreditYatra may also call you to inform them with respect to the other products or services offered by its partner AMCs. The said information is also being collected to be compliant with the Know Your Client (KYC) norms under the Prevention of Money Laundering Act, 2002 (PMLA), the rules issued thereunder, and guidelines and circular on Anti- Money Laundering issued by SEBI and SEBI (Mutual Funds) Regulations, 1996 as amended till date.
In case you do not want to be disturbed over telephonic calls, kindly fill up the details requested in the below table, including the details of the telephone number(s) on which you do not wish to be contacted and submit the same at email@example.com from your email address registered at CreditYatra. The details that you provide through the opt-out email will remain confidential and once you have submitted the same to us, your telephone number(s) will be removed from all our telemarketing calling lists within 15 working days. We will make every effort to ensure that you do not get any further telemarketing calls on such telephone number(s).
PURPOSE AND USAGE:
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.
Further CreditYatra.com may use your information to:
Communicate with you about products, services and promotional offers offered by CreditYatra.com or by its business partners, or other third parties
Assist third parties like our business partners and/or service providers in facilitating and delivering products and services to you, process payments and your applications
send you any administrative notices, offer alerts and other communications relevant to your use of the Website;
display tailored product offers to you and enable you to apply for certain products and services;
Send you information about special promotions or offers offered by CreditYatra.com or any of its business partners. We might also tell you about new features or products/services. These might be our own offers or products/services, or third-party offers or products/services with whom CreditYatra.com has a tie – up
carry market research, project planning, troubleshooting issues, detecting and protecting against error, fraud or other criminal activity;
improve our Services and manage our customer relationships better, and to provide you with location-based services, such as advertising, search results, and other personalized content;
comply with all applicable laws and regulations.
(ii) In the event that you access the Service as brought to you by one of our partners either through the Website or on being redirected from a co-branded URL or any other website , your name, e-mail address, mobile number, date of birth, employment type, residency status, income details/proofs, Form 26 AS, PAN, details of loan / credit card/ mutual fund applied for and loan, credit card and mutual fund status or any other financial product status may be provided to that partner when your application is submitted and whenever the status of application is updated. CreditYatra.com has a business relationship with these partners and you may not opt-out of sharing your information with these partners if you have applied via a co-branded URL or any other website or directly through the Website as the case may be.
(iii) For availing the Service such as applying for credit information report, loan, credit card, mutual fund or any other financial product we will require you to provide/upload on the Website the details such as a your name, parentage, marital status, email address, nationality, location, mobile number, PAN, employment & income details/proofs, Form 26 AS, recent photograph, signature image, other Know Your Customer (KYC) documents like address proof, identity proof and personally identifying information about a potential co-loan applicant (should you select this option), and to participate on our forum boards, you must provide a username for yourself.
(iv) You may opt out of location-based services at any time by editing the setting of your browser.
(v) In order to provide your bank statement or pay slip electronically along with your loan application, you also must provide your third-party account credentials (“Account Credentials”) to allow CreditYatra.com to retrieve your account data at those other financial institutions (“Account Information”) for your use. Your Account Credentials are only used once to retrieve your bank statements/pay slips, Form 26 AS and are not stored in our system. CreditYatra.com shall not be liable to you against any liability or claims which may arise out of such transactions being carried on your own accord.
(vi) We may also use third party service providers to provide the Service to you, such as sending e-mail messages on our behalf or hosting and operating a feature or functionality of the Service. Our contracts with these third parties outline the appropriate use and handling of your information and prohibit them from using any of your PI for purposes unrelated to the product or service they’re providing. We require such third parties to maintain the confidentiality of the information provide to them.
DISCLOSURE / SHARING:
(i) CreditYatra.com does not disclose PI of a customer except as directed by law or as consent received from the customer / applicant.. No specific information about customer accounts or other personally identifiable data is shared with third parties unless any one of the following conditions is met:
To help complete a transaction initiated by you;
Where the disclosure is necessary for compliance of a legal obligation or as required by law, such as to comply with a subpoena, or similar legal process;
When 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;
(ii) There are number of products/services such as loans, credit cards, mutual funds, 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. CreditYatra.com is not responsible for their privacy policies. CreditYatra.com may share your data with other third parties, such as service providers, advertisers, Credit Information Companies, fraud prevention agencies, marketing channels, affiliates, without the need for additional consent from you.
INTIMATION BY CUSTOMERS REGARDING CHANGE IN PERSONAL INFORMATION:
(i) If your PI provided to us when you had applied for a product on our Website changes, you may update it whenever you apply for a new product via our Website. To review and update your PI and to ensure that the same is accurate while your application is in process, you may contact us at firstname.lastname@example.org. You will not be able to update the information you have provided in an application after a decision has already been made on it; however, you may create and submit a new application with your updated information.
(ii) Note: We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services, contact us at email@example.com. We will respond to your request within a reasonable timeframe. However, we will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and to enforce our agreements.
RETENTION OF YOUR DATA:
(i) CreditYatra.com will retain your information for as long as it is necessary for providing you the Services available on the Website or your request for termination of your account with CreditYatra.com, whichever is later.
(ii) Post termination of your account, CreditYatra.com may continue to use your anonymized data aggregated or in combination with anonymized data of other users. We use this aggregated anonymized data for data analysis, profiling and research purposes, for example to gain insights about our users and their profiles. We may keep your contact information along with your application details (if any) for fraud prevention purposes and for the exercise/defense of a legal claim or for providing evidence in legal proceeding(s).
EMAIL & SMS COMMUNICATIONS FROM US AND OUR PARTNERS:
We provide our registered customers with periodic phone calls, emailers and email/SMS/Whatsapp alerts. We also allow users to subscribe to email newsletters and from time to time may transmit emails promoting CreditYatra.com or third-party products. Subject to the express consent clause above, CreditYatra.com’s Website subscribers may opt-out of receiving our promotional emails and terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related e-mails/SMS/Whatsapp, such as e-mail/SMS alerts. The above services are also provided by our partners.
This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may use the collected log information about you to improve services offered to you, to improve marketing, analytics, or Website functionality.
WHO WE SHARE YOUR DATA WITH
We use third-party advertising companies to serve ads when you visit our Websites or applications. These companies may use information (not including your name, address, email address or telephone number or other personally identifiable information) about your visits to this and other Websites or application, in order to provide advertisements about goods and services of interest to you. We do not provide any Personally Information to third party websites/ advertisers/ ad-servers without your consent, except in the circumstance mentioned in below clause.
HOW LONG WE RETAIN YOUR DATA
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
WHAT RIGHTS YOU HAVE OVER YOUR DATA
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
WHERE WE SEND YOUR DATA
Visitor comments may be checked through an automated spam detection service.
BEHAVIOURAL TARGETING / RE-TARGETING:
We partner with a third-party service provider to either display advertising on our Website or to manage our advertising on other websites. Our third-party partner may use technologies such as cookies to gather information about your activities on this Website and other websites in order to provide you advertising based upon your browsing activities and interests.
All information gathered on Company is securely stored within the Company controlled database. The database is stored on servers secured behind a firewall; access to the servers is password-protected and is strictly limited. However, as effective as our security measures are, no security system is impenetrable. We cannot guarantee the security of our database, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the internet. And, of course, any information you include in a posting to the discussion areas is available to anyone with internet access.
Any complaints or concerns with regards to content or to report any abuse of laws or breach of these terms may be taken up with the designated grievance officer as mentioned below via post or by sending an email to credityatra.com [@] gmail.com.