We Credit Club recognize and respect the importance of maintaining the privacy of our Customers and their Personnel. This Privacy Policy describes the types of Data we collect from you when you visit our and/or use our Platform or Application (collectively, the “Services“), and also how we collect, process, transfer, store and disclose such Data. It also describes how you are able to control certain uses of the Personal Data. Unless otherwise defined herein, terms used in this Privacy Policy. “You” means any adult user of the Site, App, Platform and/or Services.
1. Personal Data
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:
• Email address
• Phone Number
• Security and Session Cookies
2. Data Usage
We may also collect information on how the Service is accessed and used, such as your operating system and browser type, internet service provider (ISP), and Personal Data such as your IP address, browsing history on our site, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
3. Data Storage
When you use specific functionalities in our App, you may be asked to share your mobile device’s precise (GPS) geo-location information. Such geo-location information may include physical locations visited (latitude & longitude).Whether or not we collect this geo-location data is entirely determined by your Account Owner or Administrator in their sole discretion. For example, they may only allow you to clock-in or clock out if they are able to verify your location via your device. If you do not wish to allow the collection of your precise location, in most cases you will be able to turn off such data collection at any time by accessing the privacy settings of your mobile device and/or adjusting the permissions for the App. Please note, however, that some of the App’s features may not work properly if you turn this off, and we are not responsible for any implication of turning off such geo-location tracking.
If you are an Account Owner or Administrator we may receive Personal Data about you from third-party sources. We may use this data to improve our sales & marketing efforts (Legitimate Interest, and Consent where applicable).
4. Tracking & Cookies Data
We use cookies and similar tracking technologies to track the activity on our Service and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.
We use cookies and similar technologies for a number of reasons, including to help personalize your experience, in order for us to provide and monitor our Services and Sites, to ensure that they perform properly and to analyze our performance and marketing activities. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
Examples of Cookies we use:
• Session Cookies. We use Session Cookies to operate our Service.
• Security Cookies. We use Security Cookies for security purposes.
5. Data Sharing
We share your Personal Data with other entities as follows:
• Customers:- If you are an Employee, Account Owner or Administrator we may share your Personal Data with the Customer (or any individual acting on their behalf, for example an Account Owner or Administrator) with whom your account is associated. This includes where we are requested to share Personal Data regarding your usage of the Platform or App, your chats, IP address, or geo-location that we have collected.
• Affiliates:- We may share information, including your Personal Data, with our affiliates and subsidiaries (whether existing now or those that may be incorporated in the future). We may disclose Personal Data to a third-party during negotiation of, in connection with or as an asset in a corporate business transaction. Personal Data may also be disclosed in the event of insolvency, bankruptcy or receivership.
• Service Providers and Subcontractors:- We disclose information, including Personal Data we collect from and/or about you, to our trusted service providers and subcontractors, who have agreed to confidentiality restrictions and who use such information solely on our behalf in order to: (1) help us provide you with the Platform, Apps, and/or Services; (2) aid in our understanding of how you use our Platform, Apps, and/or Services; (3) for the purpose of improving, optimizing and sending promotional communications (see above for more details); and (4) provide us with IT and system administration services, data backup, security, and storage services, data analysis, data enrichment services, and payment processing.
• Law Enforcement Related Disclosure:- We may share your Personal Data with third parties: (i) if we believe in good faith that disclosure is appropriate to protect our or a third party’s rights, property or safety (including the enforcement of the Terms and this Privacy Notice); (ii) when required by law, regulation subpoena, court order or other law enforcement related issues, agencies and/or authorities; (iii) as is necessary to comply with any legal and/or regulatory obligation; or (iv) such disclosure is required to protect our legitimate business interests, including the security or integrity of our products and services.
6. Disclosure to Third Parties
For our website users’ convenience, Credit Club may provide links or otherwise refer you to third parties
we may share your information to third parties including our group Company, employees, agents, business partner (Banks/NBFCs),CICs, Payment Aggregator and Service Providers we have a tie up with and any of our affiliates, for the purposes as set out in this Privacy Policy.
These third parties are required to handle your information using the same level of care and confidentiality as is followed by Credit Club and any accessing or processing of your information by these third parties is in accordance with contractual terms, applicable laws and our instructions and subject to your consent. For the purposes of this paragraph, “Affiliate” shall mean, as to any Person, any other Person that, directly or indirectly, controls, or is controlled by, or is under common control with, such Person. (The term “control” (including, with its correlative meanings, “controlled by” and “under common control with”) shall mean the possession, directly or indirectly, of the power to direct or cause the direction of management or policies of a Person, whether through the ownership of securities or partnership or other ownership interests, by Contract or otherwise.
, such as operators of Internet services linked to from our websites, that may collect personal information from you. In addition, Credit Club may invite your participation in various promotional initiatives through its presence on social networking websites and blogs operated by third parties, such as LinkedIn, Facebook, Twitter, WordPress etc. Personal information collected by these third parties is not covered by this policy.
In addition, Credit Club may provide you with links to “share” any Credit Club content with other third parties via email or certain social networking websites for your convenience. Data transmitted during such linking, including but not limited to your email address or the email address of the party receiving such data, shall not be tracked by Credit Club. Use of Credit Club data by any third party shall be at their discretion and risk. Personal information collected by these third parties is not covered by this policy, and Credit Club shall not be bound in any manner by any claims and/or liabilities arising thereto.
If we share information with third parties (other than our service providers) as described above, we cannot control the privacy practices of those third parties, and they may not comply with the restrictions that we describe here.
7. User Rights
• You have a right to access to your personal data processed by us and right to data portability.
• You have a right to request to rectify your personal data.
• You have a right to request to erase personal data.
• You have a right to restrict the processing of your personal data by us.
• You have a right to withdraw your consent.
• You have a right to object to processing of your personal data by us.
• You may have the right to submit a complaint to the relevant supervisory data protection authority if you have any concerns about how we are processing your Personal Data, though we ask that as a courtesy you please attempt to resolve any issues with us first.
8. Retention Policy
Subject to applicable law, we retain Personal Data as necessary to maintain and expand our relationship and provide you with our Services and offerings; in order to comply with our legal and contractual obligations; or to protect ourselves from any potential disputes (i.e. as required by laws applicable to log-keeping, records and bookkeeping, and in order to have proof and evidence concerning our relationship, should any legal issues arise following your discontinuance of use), all in accordance with our data retention policy and at our reasonable discretion. We may delete information from our systems without notice to you once we deem it is no longer necessary for these purposes.
In some circumstances, we may store your Personal Data for longer periods of time, for instance where we are required to do so in accordance with legal, regulatory, tax, audit, accounting requirements and so that we have an accurate record of your dealings with us in the event of any complaints or challenges, or if we reasonably believe there is a prospect of litigation relating to your Personal Data or dealings. To determine the appropriate retention period, we consider the amount, nature, and sensitivity of the Personal Data, the potential risk of harm from unauthorized use or disclosure of your Personal Data, the purposes for which we process your Personal Data, and whether those purposes can be achieved through other means, as well as applicable legal requirements.
Please contact us at ________ if you have any questions regarding our data retention periods.
9. Disclosure Of Data
Legal Requirements
We may disclose your Personal Data in the good faith belief that such action is necessary to:
• To comply with a legal obligation
• To protect and defend the rights or property
• To prevent or investigate possible wrongdoing in connection with the Service
• To protect the personal safety of users of the Service or the public
• To protect against legal liability
Security Of Data
The security of your data is important to us , but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
The customer shall not, directly or indirectly, disclose Personal Information to any person other than its Authorized Persons (an “Unauthorized Third Party”), unless and to the extent required by Government Authorities or Applicable law.
The customer will be responsible for any changes/omissions/damages done by an “Unauthorised Third Party” concerning the treatment of such Personal Information.
If an unwanted breach is noticed, the customer is required to promptly report the incident to _________ along with all necessary information.
Service Providers
We may employ third party companies and individuals to facilitate our Service (“Service Providers”), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
Analytics
We may use third-party Service Providers to monitor and analyze the use of our Service.
• Google Analytics
• Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.
• You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.
• For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en
10. Children’s Privacy
Our Service does not address anyone under the age of 20.
We do not knowingly collect personally identifiable information from anyone under the age of 20. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.
10. Update of Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
11. Comments and Questions
If you have any questions about this Privacy Policy, please contact us:
Email: creditclub.services@gmail.com