Clear Credit (“we,” “our,” or “us”) is committed to safeguarding your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our website or use our services. By using our website, you agree to the practices described in this policy.

1. Information We Collect

We collect the following types of information to provide our services and enhance your experience:

A. Personal Information

When you interact with us, we may collect personal information including, but not limited to:

  • Name, date of birth, gender, marital status.
  • Contact details such as phone number, email address, and physical address.
  • Government-issued identification such as Aadhaar, PAN card, or passport.
  • Employment and income details.
  • Bank account information and credit history for loan processing.

B. Financial Information

We collect information related to your financial background, including:

  • Bank account details for loan disbursement and repayment.
  • Loan and credit history.
  • Income and expenditure details to assess your loan eligibility.

C. Technical and Usage Data

When you visit our website, we automatically collect:

  • Your IP address, browser type, device information, and operating system.
  • Your browsing behavior, including pages visited, the time spent on our site, and referring websites, through cookies and similar technologies.

2. How We Use Your Information

We use your information for the following purposes:

  • Loan Application Processing: To verify your identity, assess your eligibility, and process your loan application.
  • Communications: To send updates about your loan status, payments, or changes in our policies and terms.
  • Service Improvement: To enhance your experience, improve our website functionality, and tailor our services based on user feedback.
  • Compliance with Legal Obligations: To comply with laws, regulations, and court orders.
  • Fraud Prevention: To detect, investigate, and prevent any fraud or illegal activities.

3. Sharing and Disclosure of Information

We respect your privacy and ensure that your personal information is only shared under the following circumstances:

A. Service Providers

We may share your information with third-party service providers who assist in operating our website, processing transactions, or conducting business on our behalf. These providers are required to keep your information confidential and use it solely for the services provided to us.

B. Legal Requirements

We may disclose your information if required to do so by law, or in response to legal requests such as subpoenas, court orders, or government investigations.

C. Business Transfers

In the event of a merger, acquisition, or asset sale, your personal information may be transferred as part of the transaction, but it will remain subject to this Privacy Policy.

D. With Your Consent

We may share your personal information with third parties for other purposes, but only with your explicit consent.

4. Data Security

We prioritize the security of your personal and financial information. We implement industry-standard security measures, including:

  • Encryption technologies to protect sensitive data during transmission.
  • Secure servers and firewalls to prevent unauthorized access.
  • Regular audits to ensure compliance with security protocols.

Despite these measures, no system can guarantee absolute security. You are responsible for safeguarding your login credentials and accessing our website through secure networks.

5. Use of Cookies

Cookies are small data files stored on your device that help us track your activities and improve your experience on our website. We use cookies for:

  • Session Management: To remember your preferences and keep you logged in during your visit.
  • Analytics: To analyze user behavior and improve website performance.
  • Marketing: To show you relevant advertisements based on your browsing patterns.

You can choose to disable cookies through your browser settings. However, some website features may not function properly if cookies are disabled.

6. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not controlled by us. We are not responsible for the privacy practices of these third-party sites, and we encourage you to review their privacy policies before sharing your personal information.

7. Data Retention

We retain your personal information for as long as it is necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Once your information is no longer needed, we securely dispose of it by anonymizing or deleting the data.

8. Your Rights

You have the right to:

  • Access: Request a copy of the personal data we hold about you.
  • Correction: Update or correct any inaccurate information.
  • Deletion: Request the deletion of your personal data when it is no longer necessary for the purposes for which it was collected.
  • Restrict Processing: Restrict the processing of your personal information under certain circumstances.
  • Data Portability: Request a copy of your data in a structured, machine-readable format.
  • Withdraw Consent: Withdraw your consent for the use of your personal information at any time.

To exercise these rights, please contact us at the details provided below.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or regulatory requirements. Any updates will be posted on this page, and the “Effective Date” at the top will indicate when the changes were made. We encourage you to review this policy regularly to stay informed of how we are protecting your information.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us at: Info@clearcredits.in