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 https://creditq.in/terms-and-conditions are applicable to all hyperlinks under Error! Hyperlink reference not valid.www.creditq.in(this “Website”). You hereby acknowledge having read and accepted the same by use or access of this Website. We reserve the right to modify this privacy policy at any time, so please review it frequently.. Continuation of our services by the customers even after notice of changes being published on our website by CREDITQ would be deemed as a consent to changes by our customers. 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.

Our Privacy Policy explains:

Contents

CREDITQ PRIVACY POLICY 1

I) Creditq data privacy policy: 1

1) Protection measures and procedures 1

2) Collection of information and reason thereof 2

3) Usage of information collected 3

3.1) Revealing of information 4

3.2) Connection to third party websites 4

3.3) Ways to collect information 4

4) Google adwords remarketing 5

5) Scope of changes 6

ii) Others 7

1) Severability 7

3) Variation in privacy policy 7

4) Indemnification 7

5) Transfer of rights 7

6) Governing Law, Jurisdiction and Arbitration 8

7) Miscellaneous 8

8) Force Majeure 8

9) Disclaimer 8

CREDITQ DATA PRIVACY POLICY:
PROTECTION MEASURES AND PROCEDURES

We respect your privacy and recognize the need to protect the personally identifiable information (any information by which you can be identified, such as name, physical appearance, residential/business address and email address and phone number, Company details like GSTN number and others, personal details like PAN number, Aadhar number, name, contact details like mobile number, mail id, bank details etc.) which you shared with us.

Upon withdrawal of consent by you, personal information shared by you or any Consumer will not be used/retained by CREDITQ for any purposes. You may withdraw the consent by way of unsubscribing from the services offered by CREDITQ or by sending a written notice of withdrawal to CREDITQ.

We will not sell, trade or disclose to third parties  any information derived from the registration for, or use of, any online service (including company names and addresses) without your consent unless required under applicable law save and except to any of our Members and/or Affiliates for helping you in receiving credit reports or other purposes in relation to the businesses of our Members and Affiliates and as may be required by legal process or in the case of imminent physical harm to any person. Further, CREDITQ will allow its Members, Affiliates, subsidiaries, sister concerns, branches, and other service platform, like MSMECreditQto access the information for purposes of confirming your registration and providing you with benefits which you are entitled to.

We will take appropriate steps to protect the information you share with us. We have implemented technology and security features and strict policy guidelines to safeguard the privacy of your personally identifiable information from unauthorized access and improper use or disclosure. We will continue to enhance our security procedures with changes in technology.

Owing to easy and universal accessibility of the internet, we may transmit the information collected from you to another country, but among our Affiliates and Members in the course of provision of our Products and Services.

CREDITQ or its Affiliates shall not publish the personal information provided by you without your consent save and except as stated in this Privacy Policy and/or in the General T&C.

We would like to assure you that we follow appropriate and necessary standards when it comes to protecting your privacy on this Website. If you have any queries, kindly contact us at support@creditq.in

COLLECTION OF INFORMATION AND REASON THEREOF
INFORMATION COLLECTED

With the use of this Website/app , you agree to the collection and use of your data such as, your company name, GST number, PAN number, Aadhar number, email address, business address, business category, PIN code, telephone or mobile number , Director details and all details fetched with GST API, Aadhar API, PAN API, CIN API and accounting software credit card or debit card details (as may be applicable), bank details, etc., and / or your interests, and the like (here in after referred as “personal and business information” or “information” or “data”), by us in the manner provided in this Privacy Policy.

In general, you can visit this Website without telling us who you are or revealing any personal information about yourself. We possess the right to track the Internet Protocol address from which people visit us/ our Websites and analyze this data for trends and statistics independently or as per our agreement with our third party service providers, but the individual user remains anonymous. We use the information automatically received from your web browser to see which pages you visit within our Website, which Website you visited before coming to ours, and where you go after you leave. We develop statistics that are helpful to understand how our visitors can use this Website. We use this information in the aggregate to measure the use of our Website and to monitor and improve our Website. This statistical data is interpreted by us in our continuing effort to present the Website content that visitors are seeking in a format they find most helpful.

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.

UPDATING THE INFORMATION

To correct or update any information you have provided, the Platform allows you to do it online or by contacting the support team. In the event of loss of access details, you can send an e-mail to the support@creditq,in. .

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 are times when we may collect personal information from you such as name, physical appearance, residential/business address and email address and phone number, Company details like GSTN number and others, personal details like PAN number, Aadhar number, name, contact details like mobile number, mail id, bank details etc.  etc. for the purpose of enabling you to avail the services offered by CREDITQ and its Affiliates and to enable CREDITQ and its Affiliates to conduct its activities in accordance with the applicable laws. We will also strive to use any and all information provided by you to enhance the utility of the Website in the future for you. If you choose not to provide the information we request, you can still visit this Website, but you may be unable to access certain options, offers and services offered by CREDITQ.

At the time of integration with customer’s accounting software all the data will be fetched with CreditQ portal. The customer agrees to store all the data on CreditQ portal which will be fetched at the time of integration of the accounting software with CreditQ. The purpose is to fetch this data for managing the transaction and taking the follow-ups , sending the reminders, sending the notice  and later reporting of defaulters too.

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 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.

  REVEALING OF INFORMATION

It is possible that we may need to disclose personal information when required by law, such as responses to civil or criminal subpoenas, or other requests by law enforcement personnel. We will disclose such information wherein we have a good faith belief that it is necessary to comply with a court order, ongoing judicial proceeding, subpoena, or other legal process or request to CREDITQ brought in any country throughout the world, or to exercise our legal rights or defend against legal claims.

We may use personal information shared by you or Consumer during the process of registration or otherwise for verification purposes and it is deemed that the consumer agrees and allows CREDITQ to share such information with third parties solely for verification purposes. We may also use the information you provide to update our consumer credit 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.

CONNECTION TO THIRD PARTY WEBSITES

We may link to the websites of other third parties. These third-party websites may collect personal information about you on their Websites, and our Privacy Policy does not extend to these external websites and third parties. Please refer directly to these third parties and websites regarding their privacy policies. Links to third party sites do not imply endorsement or approval of the sites by CREDITQ.

WAYS TO COLLECT INFORMATION

We can use technical methods in HTML e-mails that we will send you for numerous purposes including to determine whether you have opened or forwarded those e-mails and/or clicked on links in those e-mails; to customize the display of the banner advertisements and other messages after you have closed an email; and to determine whether you have made an enquiry or register, getting credit report in response to a particular email.

GOOGLE ADWORDS 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.

Process of Google Remarketing:

This website (www.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.

Terms and Conditions 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.

In order to opt out of Google Analytics for Display Advertising / Remarketing, consumer can access Google Analytics’ Google Analytics Opt-out Browser Add-on at following link https://tools.google.com/dlpage/gaoptout/. Consumers can customize Google Display Network ads by using the Ads settings for their respective 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.

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

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.

OTHERS
Severability

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.

MINORS

The Platform and its contents are not intended for User(s) who are minors (those under 18 years of age). However, we have no way of distinguishing the age of individuals who access our Platform. If we become aware that a person submitting User Information is under the permissible age, we will delete the account and any related information as soon as possible. If you believe we might have any information from or about a User under the permissible age, please contact us at support@creditq.in.

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.

Indemnification

I/We agree to defend, indemnify, and hold harmless CREDITQ, its officers, directors, employees, agents, licensees, affiliates, advisors, successors and assigns from and against any and all loss, damage, liability, claim, demand, suit, cost and expense (including court costs and reasonable attorney fees) suffered and/or incurred (as the case maybe) by CREDITQ and/or resulting from: (i) breach by me/us of any these Terms; (ii) claims made against CREDITQ, by third parties including any bank/credit institution arising pursuant to the provision of services with respect to the Transaction and/or any matters incidental thereto.

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.

Governing Law, Jurisdiction and Arbitration

These Terms are governed by and are subject to Indian laws.

In the event of any claim, dispute or difference arising out of or in relation to these Terms, the claim, dispute or difference shall be referred to arbitration to be conducted by a sole arbitrator to be appointed by CREDITQ, who shall be the presiding arbitrator and the decisions and award of the arbitral tribunal shall be final and binding. The arbitration proceedings shall be held in Jaipur and shall be conducted in the English language and be governed by the provisions of Arbitration and Conciliation Act, 1996 and any modification or re-enactment thereof in force at the relevant time. All costs of such arbitration shall be borne by the Consumer.

Subject to what is stated above, any matters which may require the intervention or any determination by a Court, including any appointment of any arbitrators under Section 11 of the Arbitration and Conciliation Act, 1996, whether prior to, or during or after the aforesaid arbitration, shall be subject to the exclusive jurisdiction of the Courts in Jaipur.

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 (es)/Email (s) and I/we may be sent SMS (es)/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 (es), I/we have also assented to receiving calls and emails from CREDITQ, their agents etc. regarding any other CREDITQ services not covered hereunder.

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.

Disclaimer

This privacy policy does not apply to services offered by other companies or individuals, including products or sites that may be displayed to you in search results, sites that may include CREDITQ services, or other sites linked from our services. This privacy policy does not cover the information practices of other companies and organizations who advertise our services, and who may use cookies, pixel tags and other technologies to serve and offer relevant ads.

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