PRIVACY POLICY

A privacy policy is a legal document which states all the possible ways that a party manages the data of its clients and it also helps in protecting the individual data of client. This privacy policy rules the manner in which Credset uses or discloses the info from users of the https://www.credset.com Site. This privacy policy is applicable to the Site and all products and services provided by Credset.

Credset is highly dedicated in protecting the privacy and security of its customers. With this privacy policy we explain how we use the information of our clients and also regarding the source from where non-public personal information is gathered of customers. It also explains the steps we take in order to keep the information of customers secure and private. It is also indicating which information is shared with affiliates and non-affiliated third parties.

Our information collection and sharing practices are mentioned in this Privacy Policy. This policy is describing the sources from which the non-public personal information is collected, measures to secure information, and description of sharing with our affiliates and with nonaffiliated third parties. From the below mentioned points you will get the fair idea of the treatment of personal data:

Information

We collect the basic information from our customers such as name, postal address, email address, date of birth, financial details, and any other information which is required for carrying out the operations of the company.

Purpose of Information

The main purpose of collecting information is the verification of the identity of clients and to process application. With regard to banking and finance we protect you against fraud.

How do we collect information?

• Data is collected directly through the online application. Data is also collected from the information provided to the customer service department through interaction.

• Telephone conversation with us and our customer services department may be recorded and monitored.

• Transaction information may be collected from clients for operations.

• Information regarding credit worthiness and credit history will be collected from credit reference agencies;

• Identity Information collected to use the website in order to validate your use of the website for the purpose of fraud prevention;

• Information in connection with IP address, operating system and browser type. This is statistical data about browsing actions and patterns and is not in individually identifiable form;

• Automatically obtained information through "cookies" at the time browser accesses our Website and when you log-in.

Information Disclosure

We make sure that the personal data obtained from clients is only used for the purpose it has been taken for.

• There is very restricted use of personal data and it can only be used by those involved in maintaining, reviewing and developing business systems, procedures and infrastructure.

• Credit and fraud reporting agencies, debt collection agencies, and such organizations which are involved in normal business practices and government or regulatory bodies, if required by law.

How we process your personal data?

Information gathered from clients is stored on secure servers. On the website there are certain areas for which you will require a password to access. Password must be kept confidential by you and not to share it with anyone. We make all efforts to ensure the security of your data but we cannot guarantee its security as data transmission is not completely secure on internet. All the transmissions are at your own risk. Strict procedures and security features will be used by us to prevent unauthorized access.

Our security system is at par with industry standards and we are constantly trying to evolve and upgrade our system.

Cookies

A cookie is an information which is being stored on storage devices by the website to recollect something about the User later time. The User is aware that information that is Cookie is stored by the Site/Company to practice it later if needed and that cookies are beneficial for allowing the browser to remember info explicit to a given user, including but not restricted to a User’s login credentials, password, etc. Site installs permanent and temporary cookies in User’s hard disk and browser and the User is aware of it and does hereby specifically agrees to the same.

For security Credset use cookies to personalize your web browsing experience.

In following situations, we may use cookies:

• For allocating identification number to your Internet browser (you cannot be identified from this number);

• To determine if you have visited the website previously;

• To track and report on website and online campaign performance;

• To identify third parties websites or pages you have accessed; and

• For fraud detection and security purposes

Security

Transactions completed on the website are secure and protected. While making the transaction on the website, no information is revealed as it is encrypted to protect the User against accidental disclosure to third parties. Information provided by the User directly to the payment gateway which is authorized to handle the information is as per the rules and requirements of numerous banks and organizations and payment franchisees that it is linked with.

User’s Consent

By using the website / by providing information to the Company through the website, the User agrees to the collection and use of the information revealed by the User on the website.

Jurisdiction

1. The Terms, Policy and any other agreements among the Parties are governed by the laws, rules, and regulations of India and it is agreed by the Parties. The Courts at Delhi shall have private jurisdiction over any disputes arising between the Parties.