CREDITQ PRIVACY POLICY

BusinessAlert Infotech Pvt. Ltd, a company registered under the Companies Act, 1956 and having its registered office at 8/14, Vaishali Nagar, JAIPUR- 302021, India, (hereinafter referred to as “CREDITQ” & “ MSMECreditQ”) which expression shall unless repugnant to the subject or context mean and include its successors and permitted assigns) of the OTHER PART.

The contents of this privacy policy (“Privacy Policy”) along with the general terms and conditions (“General T&C”) available at Privacy Policy are applicable to all hyperlinks under Error! Hyperlink reference not valid creditq.in(this “Website”). You hereby acknowledge having read and accepted the same by use or access to this Website. We may update this privacy policy periodically, so we encourage you to check it regularly. If you continue to use our services after we publish changes on our website, we will consider your consent to the updated policy. The capitalized terms used herein and not defined shall have the meaning set out in the General T&C.

This privacy statement covers the website. By accessing, using or registering with website, you accept and agree to CREDITQ’s Privacy Policy.

I ) CREDITQ DATA PRIVACY POLICY 

1) PROTECTION MEASURES AND PROCEDURES

We value your privacy and understand the importance of safeguarding your personally identifiable information. This includes any details that can identify you, such as your name, address (residential or business), email address, phone number, company information (like GSTN number), and personal details (such as PAN and Aadhar numbers), as well as contact information and banking details.

If you choose to withdraw your consent, any personal information you or any consumer has shared will no longer be used or retained by CREDITQ for any purpose. You can withdraw your consent by unsubscribing from our services or by sending a written notice to CREDITQ.

We will not sell, trade, or disclose any information obtained from your registration or use of our online services (including company names and addresses) without your consent, unless required by law. However, we may share this information with our Members and Affiliates to assist you in receiving credit reports or for other business-related purposes. Disclosure may also occur as necessary for legal compliance or in situations involving imminent physical harm. Additionally, CREDITQ may allow access to your information by its Members, Affiliates, subsidiaries, sister companies, branches, and other service platforms to verify your registration and provide you with the benefits you are entitled to.

We are committed to protecting the information you share with us. We have implemented robust technology, security features, and strict policy guidelines to ensure the privacy of your personally identifiable information from unauthorized access and misuse. We will continue to improve our security measures as technology evolves.

Due to the widespread accessibility of the internet, we may transfer the information collected from you to another country, but only among our Affiliates and Members in connection with providing our Products and Services.

CREDITQ or its Affiliates will not publish your personal information without your consent, except as outlined in this Privacy Policy and the General Terms and Conditions.

We want to assure you that we adhere to the highest standards for protecting your privacy on this website.

If you have any questions or concerns, please feel free to reach out to us at support@creditq.in.

2) INFORMATION COLLECTION AND PURPOSE THEREOF

2.1) INFORMATION COLLECTED

By using this website/app, you consent to the collection and use of your data, including your company name, GST number, PAN number, Aadhar number, email address, business address, business category, PIN code, telephone or mobile number, director details, and any information obtained through GST APIs or any other different API(s) which can be used for the said purpose , as well as accounting software, credit card or debit card details (if applicable), bank details, and other relevant interests (collectively referred to as “personal and business information” or “data”) as outlined in this Privacy Policy.

You can generally visit this website without disclosing your identity or any personal information. We reserve the right to track the Internet Protocol (IP) addresses of visitors and analyze this data for trends and statistics, either independently or in collaboration with our third-party service providers, while ensuring that individual users remain anonymous. We use the information automatically collected from your web browser to determine which pages you visit, which website you accessed before ours, and where you navigate after leaving. This data helps us generate statistics that inform us about how visitors engage with our site. We analyze this information collectively to measure website usage and to enhance user experience. Our goal is to present content in a way that meets visitors’ needs most effectively.

CREDITQ collects the following general types of information about you when you visit the Websites: personal information, demographic information, behavioral information and indirect information. Personal information is information that can be used to identify you, or any other individual to whom the information may relate, personally. CREDITQ does not collect personal information unless you choose to provide it to CREDITQ. Some examples of personal information that CREDITQ collects in some areas of the Website subject to the Services you use and applicable local laws, are company name, address, identity, email address, mobile number, payment details, contact information, billing information and information about third parties, such as defaulters or contacts etc., which you provide to CREDITQ by you if it pertains to you or if you have the express written consent of a third party. CREDITQ also collects behavioral information regarding how you use the Website and mobile applications, the areas of Website that you visit, what services you accesses, and information about your computer hardware and software including your IP address, device information (such as your hardware model, operating system version, unique device identifiers, and mobile network information including phone number), geographical location, log information (device event information such as crashes, system activity, hardware settings, browser type, browser language, the date and time of your request and referral URL), browser and operating system type, domain names, access times and referring website addresses etc. This information is necessary for analyzing the use of resources, troubleshooting problems, preventing fraud, and improving our Products and Services and providing additional services to our customers.

2.2) UPDATING THE INFORMATION

To correct or update any information you’ve provided, you can do so directly on the platform or by reaching out to our support team. If you lose your access details, please send an email to support@creditq.in for assistance.

2.3) PURPOSE OF COLLECTION

We are collecting and analyzing the information provided by you and is used to improve our service to you. You agree that we or our third-party service providers collect your IP address or other unique identifier. At times, we also use these identifiers to collect information regarding the frequency with which our guests visit various parts of our websites. We, either through ourselves or our partners, affiliates, group companies, advisors, agents etc. (collectively referred to as the “Affiliates”) may combine your IP address with other personally identifiable information for marketing and for market research purposes, including internal demographic studies, so we can optimize our products and services and customize this Website for you.

There may be instances when we collect personal information from you, including your name, residential or business address, email address, phone number, company details (such as GSTN number), and personal details (like PAN number, Aadhar number, and bank details). This information is necessary for you to access the services provided by CREDITQ and its Affiliates, as well as to ensure compliance with applicable laws.

We aim to use the information you provide to enhance your experience on the website in the future. If you choose not to provide the requested information, you can still visit the website; however, you may not be able to access certain options, offers, and services from CREDITQ.

During the integration with the customer’s accounting software, all relevant data will be retrieved through the CreditQ portal. The customer agrees to store this data on the CreditQ portal, which will be accessed during the integration process. The purpose of collecting this data is to manage transactions, facilitate follow-ups, send reminders, issue notices, and later report on defaulters.

3) USAGE OF INFORMATION COLLECTED

You agree that we or any of our Affiliates may contact you from time to time to provide the offers/ information of such products/ services that we believe may benefit you.

CREDITQ may share your information with third parties (including but not limited to its Affiliates) who help CREDITQ in the delivery of its products and services to you. CREDITQ discloses information to companies and individuals it employs to perform functions on its behalf. Examples include hosting our web servers, analyzing data, providing marketing assistance, processing card payments, providing customer service etc. CREDITQ may disclose such information to third parties if you consent to such disclosures. If you expressly indicate that you would like to receive information about the opportunities, products or services of third parties, CREDITQ would supply your contact information to select third parties (including not limited to its Affiliates), Members, or others for the purpose of sending you e-mail or otherwise communicating with you. Such aggregated data does not identify users of the Website or the Consumers individually and may be made available to various market intermediaries. CREDITQ may use the information it collects for the Products and Services, to provide, maintain, protect and improve the Products and Services, to develop new ones, and to protect CREDITQ and our other Consumers. CREDITQ also uses this information to offer you tailored content – like giving you more relevant search results and advertisements. CREDITQ may use the email address and other details to inform you about CREDITQ’s Products and Services, such as letting you know about upcoming changes or improvements etc.

CREDITQ may disclose and transfer such information to a third party who acquires any or all of CREDITQ’s business units, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets or by any other permitted way.

3.1) RELEALING OF INFORMATION

We may be required to disclose personal information when mandated by law, such as in response to civil or criminal summons or requests from law enforcement. We will share this information when we have a good faith belief that it is necessary to comply with a court order, ongoing legal proceedings, summons, or other legal processes or requests in any country. This includes situations where we need to exercise our legal rights or defend against legal claims.

We may use the personal information you or other consumers provide during registration or at any other time for verification purposes. By providing this information, you consent to CREDITQ sharing it with third parties solely for verification purposes. Additionally, we may use the information you provide to update and maintain our CreditQ consumer database.

We may provide information collected from you to government authorities or any court of law as per the applicable laws of India or as per our agreement with our third party service providers or any third party. However, such third party receiving your personal information shall not disclose it further, save and except if required under the any law.

3.2) CONNECTION OF THIRD PARTY WEBSITE

We may include links to third-party websites. These external sites may collect personal information about you, and our Privacy Policy does not apply to them. We encourage you to review the privacy policies of these third parties directly. Please note that links to third-party sites do not imply endorsement or approval by CREDITQ.

3.3) WAY TO COLLECT INFORMATION

We may employ technical methods in HTML emails we send to you for various purposes, including tracking whether you have opened or forwarded those emails, clicked on links within them, or taken actions such as making an inquiry or registering for a credit report in response to a specific email. Additionally, these methods help us customize the display of banner advertisements and other messages after you have closed an email.

4) GOOGLE ADWORD REMARKETING

Information about Google Remarketing

This website uses Google Remarketing to advertise online using text or image ads on the Google Display Network. Remarketing is a feature that allows reaching people who have previously visited our site, and show them relevant ads when they visit other sites on the Google Display Network.

4.1) PROCESS OF GOOGLE REMARKETING: 

This website (creditq.in) uses Google Adwords Remarketing services to help analyze consumer behavior. Whenever a consumer visits our website, Google system (Adwords Remarketing) would drop cookies (a packet of small data text files with id tags) on consumer’s system. once consumer leaves our website and goes to some other website which have content or website relevant to our website, Google would display our ads on those websites based on cookies which were dropped earlier by Google (while consumer was on CREDITQ website). It could mean that we advertise to previous visitors who haven’t completed a task on our site, for example using the contact form to make an enquiry. Any data collected will be used in accordance with our own privacy policy and Google’s privacy policy.

4.2) TERMS AND CONDITION OF WEBSITE

In order to undertake Remarketing, Google has instructed to include certain terms in our website terms and conditions such as – We utilize Google Analytics features which are implemented based on Display Advertising (e.g., Remarketing, Google Display Network Impression Reporting, the Double-click Campaign Manager Integration, or Google Analytics Demographics and Interest Reporting).

CREDITQ uses Remarketing with Google Analytics to advertise online. Third-party vendors, including Google may show CREDITQ ads on sites across the Internet.

CREDITQ and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the Double-click cookie) together to inform, optimize, and serve ads based on website visitors past visits to our website.

CREDITQ and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the Double-click cookie) together to report how your ad impressions, other uses of ad services, and interactions with these ad impressions and ad services are related to visits to CREDITQ site.

CREDITQ would use data from Google’s Interest-based advertising or 3rd-party audience data (such as age, gender, and interests) with Google Analytics.

To opt out of Google Analytics for Display Advertising and Remarketing, you can use the Google Analytics Opt-out Browser Add-on, available at this link: https://tools.google.com/dlpage/gaoptout/. Additionally, consumers can customize Google Display Network ads through the Ads settings in their Google accounts.

By accessing the Website, providing personal information for inclusion in CREDITQ database, or by using the Products and Services, you hereby expressly and unconditionally consent to your information being stored, used, altered, modified, compiled, dis-assembled, shared and disseminated as described here, by CREDITQ and its Affiliates.

4.3) PRIVACY OF COLLECTED DATA/INFORMATION:

We will never use the statistical analytics tool to track or to collect any Personally Identifiable Information (PII) of visitors to our site. CREDITQ will not link, or seek to link, an IP address with the identity of a computer user. We will not associate any data gathered from this site with any Personally Identifiable Information from any source. Information to Google Adwords privacy policy can be found at the following link – https://support.google.com/adwordspolicy/answer/143465?hl=en

5) SCOPE OF CHANGES

If our privacy policy changes in the future, it will be posted on our website You should access our privacy policy regularly to ensure you understand our current policies. CREDITQ will attempt to respond to all reasonable concerns or inquiries on a best effort basis within a reasonable period of time.

CREDITQ may provide notifications, whether such notifications are required by law or are for marketing or other business-related purposes, to you via email notice, or through posting of such notice on our Website. CREDITQ reserves the right to determine the form and means of providing notifications to you, provided that you may opt out of certain means of notification as described herein. CREDITQ is not responsible for any automatic filtering that you or your network provider may apply for email notifications which we send to the email address provided by you.

We may choose to use testimonials/ feedback provided by you via email or on our Website for marketing purposes. By making any suggestions, feedback or comments on our Website, for our people and services, you have agreed to allow us to publish the same for marketing purposes by CREDITQ.

II) OTHERS

1) SERVERABILITY

In the event that any provision of these Terms is declared by any judicial or other competent authority to be void, voidable, illegal or otherwise unenforceable or indications of the same are received by either me/us or CREDITQ from any relevant competent authority, CREDITQ shall have the right to amend that provision in such reasonable manner as it thinks fit without illegality or it may be severed from this Agreement in such manner as CREDITQ thinks fit and the remaining provisions of these Terms shall remain in full force and effect unless CREDITQ decides in its sole discretion to stop the provision of the Report/s and/or Products and Services either wholly or in part.

2) MINORS

The Platform and its content are not intended for users who are minors (under 18 years of age). However, we cannot verify the age of individuals accessing our Platform. If we discover that a user providing information is under the permissible age, we will promptly delete their account and any related information. If you believe we may have information from or about a user under the permissible age, please contact us at support@creditq.in.

3) VARIATION IN PRIVACY POLICY

In furtherance of these Terms and subject to applicable laws, I/we understand that CREDITQ reserves the right to issue further directions which shall be applicable to me/us from, time to time. Other than as otherwise provided by these Terms, all alterations to these Terms shall be made by CREDITQ with an intimation on its Website and the term shall become applicable imminently upon such intimation on website, and CREDITQ does not hold any requirement of any prior notice or intimation to any Consumer of such variation. I/We agree to accept any such variation made by CREDITQ in this regard regardless of the mode through which I/we have approached CREDITQ.

4) INDEMNIFICATION

I/We agree to defend, indemnify, and hold harmless CREDITQ, along with its officers, directors, employees, agents, licensees, affiliates, advisors, successors, and assigns, from any and all losses, damages, liabilities, claims, demands, suits, costs, and expenses (including court costs and reasonable attorney fees) incurred by CREDITQ as a result of: (i) any breach of these Terms by me/us; or (ii) claims made against CREDITQ by third parties, including banks or credit institutions, related to the provision of services concerning the Transaction and any related matters.

5) TRANSFER OF RIGHTS

I/We shall not assign or transfer any of my rights and/or obligations in relation to the transaction contemplated herein under or pursuant to these Terms to any other person.

6) GOVERNING LAW, JURISDICTION AND ARBITRATION

These Terms are governed by and are subject to laws applicable to Union of India.

“In the event of any claim, dispute, or difference arising from these Terms, such matters shall be referred to civil or criminal proceedings conducted in the courts of Jaipur, as determined by the Company. The judicial proceedings will take place in Jaipur, conducted in English, and governed by the applicable laws in force at that time, including any modifications or re-enactments. All costs associated with these judicial proceedings shall be borne by the consumer.”

7) MISCELLANEOUS

I/We hereby confer CREDITQ with the right to use any data and information provided by me/us vide the Request Forms in any manner including for any purpose stipulated by CREDITQ, provided that the same shall be valid under applicable law.

I/We understand that by providing my/our mobile number and email address. I/we have assented to receiving SMS (s)/Email (s) and I/we may be sent SMS (s)/Email (s) to update status of my/our order for Report/s / Products and Services on CREDITQ’s Website/s (www.creditq.in). I/We further understand that by providing my/our said mobile number and email address (s), I/we have also assented to receiving calls and emails from CREDITQ, their agents etc. regarding any other CREDITQ services not covered hereunder.

8) FORCE MAJEURE

CREDITQ shall not be liable for any failure to perform any of its obligations under these Terms or provide the Report/s and/or the Products and Services or any part thereof if the performance is prevented, hindered or delayed by a Force Majeure Event (defined below) and in such case its obligations shall be suspended for so long as the Force Majeure Event continues.

Force Majeure Event means any event due to any cause beyond the reasonable control of any Party, including, without limitation, unavailability of any communication system, breach or virus in the systems, fire, flood, explosion, acts of God, civil commotion, riots, insurrection, war, acts of government or acts of third party/ies.

9) DISCLAIMER

This privacy policy does not extend to services offered by other companies or individuals, including products or websites that may appear in search results, sites that incorporate CREDITQ services, or any other sites linked from our services. It also does not cover the information practices of companies and organizations that advertise our services, which may use cookies, pixel tags, and other technologies to deliver relevant ads.

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