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PRIVACY POLICY

At the outset, please note that at www.creditmonk.com we are committed towards protecting your privacy. We understand and appreciate that providing information online involves a great deal of trust on your part. We value your confidence in us and treat the same on a high priority so as to ensure the confidentiality of the personal information you provide to us. We would use the information we collect in order to provide a more personalized experience for business transactions. The following policy indicates the manner in which the information collected by us would be treated and our practices and procedures towards protection of your privacy.

This Policy inter-alia specifies the kind of information that we may collect from you when you access or use our websites, applications and other online services (collectively, our “Services” ) and our practices for collecting, using, maintaining, protecting and disclosing the aforesaid information.

This Policy inter-alia specifies the kind of information that we may collect from you when you access or use our websites, applications and other online services (collectively, our “Services”) and our practices for collecting, using, maintaining, protecting and disclosing the aforesaid information.

Please read this Policy carefully to understand our policies and practices before submitting your personal information to us. If you do not agree with our policies and practices, your choice is not to use our Services. By accessing or using our Services, you unconditionally and irrevocably agree to this Policy. This Policy may be updated / modified / changed from time to time and you are deemed to accept the same through your continued use of our Services, therefore we request you to check the Policy from time to time for updates. If you have any questions about this Policy, you may email us at support@creditmonk.com.

This Policy is in addition to the www.creditmonk.com Disclaimer and Terms and Conditions must be read together with the same.

1. INFORMATION WHICH WE COLLECT

1.1. How we collect the information

1.1.1. We collect several kinds of information from and about users of our Services, including information about the nature of credit re-paying capacity of individuals, corporates, firms, limited liability partnerships, etc. (“Organisation/s”), their payment / repayment habits, credit terms and conditions offered to them, the industry standards, relevant details of the Organisations like their name, address, offices, key personnel, turnover, market share, etc. and other matters incidental or ancillary thereto.

1.1.2. We collect this information directly from you when you provide it to us, and/or automatically as you navigate through our Services (information collected automatically may include usage details, IP addresses and information collected through cookies, web beacons and other tracking technologies).

1.1.3. The website is optimized for registered users. By registering, you can obtain benefits such as the opportunity to write reviews / posts and further personalize your experience. If you choose not to register, you can still use some portions of the site. In that case, we may track your IP addresses and analyze which URLs you have come from and visited.

1.2. Information provided by you:  The information we collect on or through our Services may include:

1.2.1. Your full name, email address, postal code, password and other information you may provide with your account, such as your gender, mobile phone number and website. You may optionally provide us with this information through third-party sign-in services such as Facebook and Google Plus if you choose to log in through any of such portals. In such cases, we obtain and store whatever information is made available to us by you through these sign-in services.

1.2.2. Information and/or reviews you provide on our website, comments in the nature of seconding some other user’s reviews.

1.2.3. If the Users so desire, the anonymity can be maintained before or at the time of posting the reviews on the website.

1.2.4. How long you used our Services and which features you used.

1.2.5. The advertisements you clicked on our website.

1.2.6. If the Users wish to communicate with other Users / Organisations and /or make any complaint to the management and/or support team, the same shall be sent to the grievous centre or such e-mail /or Helpline numbers so provided in the website.

1.2.7. If you post reviews or otherwise use our Services in any manner, we may collect and store information about you to process your requests and automatically complete forms for future transactions, including (but not limited to) your phone number, address, email, etc. This information may be shared with third-parties which assist in processing and fulfilling your requests, including PCI compliant payment gateway processors. If you write reviews about businesses with which you conduct transactions through our Services, we may publicly display information that you transacted with those businesses.

1.2.8. You may provide information (such as ratings, reviews, tips, comments, likes, etc.) to be published or displayed on publicly accessible areas of our Services, or transmitted to other users of our Services or third-parties. Your contributions are posted on and transmitted to others at your own risk. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons. We may display this information on the Services, share it with businesses, and further distribute it to a wider audience through third party sites and services. You should be careful about revealing any sensitive details about yourself in such postings. Your posts are of such a nature that it can be viewed by the public at large. The reviews so posted must be your first-hand experience that you would have encountered with any individual, company, limited liability partnership, etc. mentioned on the data base. Your Reviews can reflect your user name as chosen by you on our Domain system or if you so desire you may claim anonymity as well. The Reviews so posted by the users must be out of their own commercial experience. You may rely on reviews posted by other Users at your own risk.

1.2.9. You have the option to request your friends to join the Services by providing their contact information. If you request a friend to join and connect with you on the Services, we will only use your friend’s contact information to process your request.

1.3. The website and /or the management does not endorse or encourage any such reviews that are so posted. Additionally, we cannot control the actions of other users of our Services with whom you may choose to share your Reviews. We use the information you provide to us to enhance the functionality and improve the quality of our Services, and to personalize your experience while using our Services. We also use this information to display relevant advertising, provide support to you, communicate with you, and comply with our legal obligations.

1.4. Information collected automatically via technology

We may automatically collect certain information about the computer or devices (including mobile devices) you use to access the Services even if you use the Services without registering or logging in. Such information may be collected in the following manner:

1.4.1. Information about your computer, Internet connection and mobile device, including your IP address, operating systems, platforms, browser type, other browsing information (connection, speed, connection type etc.), device type, device’s unique device identifier, mobile network information and the device’s telephone number.

1.4.2. Our applications also may access metadata and other information associated with other files stored on your mobile device. This may include, the relevant data that you would have provided to the system while creating a user account.

1.4.3. Unique mobile device identifier (e.g. IDFA or other device IDs on Apple devices like the iPhone and iPad), if you’re using our Services on a mobile device, we may use mobile device IDs (the unique identifier assigned to a device by the manufacturer), instead of cookies, to recognize you. We may do this to store your preferences and track your use of our applications. Unlike cookies, mobile device IDs cannot be deleted. Advertising companies may use device IDs to track your use of our applications, track the number of advertisements displayed, measure advertising performance and display advertisements that are more relevant to you. Analytics companies may use mobile device IDs to track your usage of our applications.

1.4.4. Information about your activity on the Services, such as your search queries, comments, domain names, search results selected, number of clicks, pages viewed and the order of those pages, how long you visited our Services, the date and time you used the Services, error logs, and other similar information.

1.4.5. For mobile application users, the online or offline status of your application.

1.5. Cookies and Other Electronic Tools

We, and third parties with whom we partner, may use cookies, web beacons, mobile device IDs, “flash cookies” and similar files or technologies to collect and store information in respect to your use of the Services and third party websites. A cookie is a small text file that is stored on your computer that enables us to recognize you (for example, as a registered user) when you visit our website, store your preferences and settings, enhance your experience by delivering content and advertising specific to your interests, perform research and analytics, track your use of our Services, and assist with security and administrative functions. Cookies may be persistent or stored only during an individual session. A pixel tag (also called a web beacon or clear GIF) is a tiny graphic with a unique identifier, embedded invisibly on a webpage (or an online ad or email), and is used to count or track things like activity on a webpage or ad impressions or clicks, as well as to access cookies stored on users’ computers. Most browsers are set to automatically allow cookies. Please note it may be possible to disable some (but not all) cookies through your device or browser settings, but doing so may interfere with certain functionality of the Services. Major browsers provide users with various options when it comes to cookies. Users can usually set their browsers to block all third-party cookies (which are those set by third-party companies collecting information on websites operated by other companies), block all cookies (including first-party cookies such as the ones Creditmonk uses to collect search activity information about its users), or block specific cookies. To modify your cookie settings, please visit your browser’s help settings. You will need to opt out on each browser and each device you use to access the Services. Flash cookies operate differently than browser cookies and cannot be removed or blocked via web browser settings. By using our Services with your browser set to accept cookies you are consenting to our use of cookies in the manner described in this section. Third parties whose products or services are accessible or advertised through the Services, including social media services, may also use cookies or similar tools, and we advise you to check their privacy policies for information about their cookies and other practices. We do not control the practices of such partners and their privacy policies govern their interactions with you.

We strive to provide you with choices regarding the personal information you provide to us. You can set your browser or mobile device to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn more on how to manage your cookie settings, the Help portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Please note that if you disable or refuse to accept cookies from [Please insert the name of the website], you will not be able to access portions of our site and some portions of the website may not function properly.

1.6. Information from Third Parties

1.6.1. We also may periodically obtain both personal and non-personal information about you from affiliated entities, business partners and other independent third-party sources and add it to other information about you. For instance, we may collect, process and store your user ID associated with any social media account that you use to sign into the Services or connect with or use the Services. When you sign in to your account through your social media account information, or otherwise connect to your social media account with the Services, you consent to our collection, storage, and use, in accordance with this Policy, of the information that you make available to us through the social media interface. This could include, without limitation, any information that you have made public through your social media account, information that the social media service shares with us, or information that is disclosed during the sign-in process. Please see your social media provider’s privacy policy for more information about how they share information when you choose to connect your account.

1.6.2. We may also obtain information about you from third parties such as partners, marketers, third-party websites, and researchers, and combine that information with information which we collect from or about you.

1.7. Anonymous or De-Identified Data

We may anonymize and/or de-identify information collected from you through the Services or via other means, including via the use of third-party web analytic tools. As a result, our use and disclosure of aggregated and/or de-identified information is not restricted by this Policy, and it may be used and disclosed to others without limitation.

2. HOW WE USE THE INFORMATION WE COLLECT

2.1. We use the information we collect from and about you for various purposes, including but not limited to:

2.1.1. Process and post the same on the public domain of our website.

2.1.2. Forum posts, and other content to the Creditmonk community.

2.1.3. To respond to your questions and comments;

2.1.4. To solicit information from you, including through surveys.

2.1.5. To resolve disputes or troubleshoot problems.

2.1.6. Understand our users (what they do on our Services, what features they like, how they use them, etc.), improve the content and features of our Services (such as by personalizing content and/or providing premium based services to Users if they desire to have intricate details of the company over and above the information that is provided by our management), process and complete your transactions.

2.1.7. Administer our Services and diagnose technical problems.

2.1.8. Send you communications that you have requested or that may be of interest to you.

2.1.9. Allow your reviews to be posted on the website.

2.1.10. Generate and review reports and data about, and to conduct research on, our user base and Service usage patterns.

2.1.11. Provide you with customer support.

2.1.12. Provide you with notices about your account.

22.1.13. Carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.

2.1.14. Notify you about changes to our Services.

2.1.15. Allow you to participate in interactive features offered through our Services.

2.1.16. In any other way we may describe when you provide the information.

2.1.17. For any other purpose with your consent.

2.2. We may also use your information to contact you about our own and third-party goods and services that may be of interest to you. If you do not want us to use your information in this way, please check the relevant box located on the form on which we collect your data and/or adjust your user preferences in your account profile.

2.3. We may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

3. HOW WE SHARE THE INFORMATION

We may disclose personal information that we collect or you provide, as described in this Policy, in the following ways:

3.1. Generally

3.1.1. To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of the websites assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by Creditmonk about the users of our Services are among the assets transferred.

3.1.2. To third-parties to market their products or services to you if you have consented to receive the promotional updates. We contractually require these third-parties to keep personal information confidential and use it only for the purposes for which we disclose it to them.

3.1.3. To fulfill the purpose for which you provide it.

3.1.4. For any other purpose disclosed by us when you provide the information.

3.1.5. We may share your information when we believe in good faith that such sharing is reasonably necessary in order to investigate, prevent, or take action regarding possible illegal activities or to comply with legal process. We may also share your information to investigate and address threats or potential threats to the physical safety of any person, to investigate and address violations of this Policy or the Terms and Conditions, or to investigate and address violations of the rights of third parties and/or to protect the rights, property and safety of website, our employees, users, or the public. This may involve the sharing of your information with law enforcement, government agencies, courts, and/or other organizations on account of legal request such as subpoena, court order or government demand to comply with the law.

3.1.6. If you interact with social media features on our Services or use your social media credentials to log-in or post content, these features may collect information about your use of the Services, as well as post information about your activities on the social media service. Your interactions with social media companies are governed by their privacy policies.

3.1.7. To enforce or apply our Terms of Conditions and other agreements, including for billing and collection purposes.

3.1.8. If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the website, our customers or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

3.1.8. If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the website, our customers or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

3.1.9. We may share your information in any other circumstances where we have your consent.

3.2. Payment Information

To use our premium based services, the users can make payments online through the payment mechanism and if there is any difficulty in making the payments, the same can be resolved by and in way of contacting our support team. By submitting your credit or debit card account information through our Services, you expressly consent to the sharing of your information with our server, third-party payment processors, and other third-party service providers (including but not limited to vendors who provide fraud detection services to us and other third parties), and you further agree that when you use a credit or debit card to secure a reservation through our Sites, we provide your credit or debit card account information (including card number and expiration date) to our third-party payment service providers; and when you initially provide your credit or debit card account information through our Services in order to use our services, we provide your credit or debit card account information to our third-party payment service providers. As explained in our Terms and Conditions, these third parties may store your credit or debit card account information so you can use our payment services through our Services in the future.

4. REVIEWS POSTED BY USERS

4.1. Information submitted by Users as part of a review is automatically displayed on the site (so long as it passes the software filters). We may use the review or teaser portions thereof throughout the site. Subject to the limitations discussed in this Policy and the Terms and Conditions, you can change a review within 30 days of posting using the tools provided by the website. If you wish to delete a review, you may do so in your User Profile – Reviews section within 30 days of adding your review. Or email on support@creditmonk.com. Your request may or may not be granted, depending on the reason of your request. In all cases, we will make best efforts to protect your privacy, as laid down in this Policy.

4.2. One of the key aspects of the website is that it permits users to provide their opinions / reviews regarding payment habits, etc. of Organisations. The system assesses your prior experiences on the site (as evidenced by how you've rated other reviews or trusted/distrusted other members / Organisations), and then uses these experiences to dynamically sort the database of Organisations for you based on those that are more likely to interest you. To do this, we capture information about your interactions with other users and then processes this information. The more you interact with others, the more personalized your subsequent uses of the site will be.

4.3. Your reviews might be removed if they flag off certain filters in our system, are flagged off by users as suspicious/for other reasons and/or you posted a review for the same companies more than once within 30 days. In this case, your latest review is considered valid and displayed.

4.4. Your review might also be deleted for other reasons like you got incentives from the reviewed company and/or has been noted for other fraudulent/misleading reasons.

5. HOW TO CLAIM YOUR PROFILE

5.1. Our website displays profiles of several Organisations. Information about the Organisations (eg. Name, address, offices, business, key personnel, etc.) which is displayed on the website may be obtained from the Organisations themselves or from third parties and would be updated by us from time to time. Reviews may be posted in relation to credit payment habits of these Organisations by Users of the website. In order to respond to a review, the Organisation must ‘claim its profile’ on our website to do so. As part of the registration process as well as the application creation and submission process that is available to Organisations on Creditmonk, certain information, including sensitive personal data or information is required to be collected from the Organisations.

5.2. All the statements in this Policy apply to all Organisations, and all Organisations are therefore required to read and understand the Policy set out herein prior to submitting any sensitive personal data or information to Creditmonk.

5.3. Organisation’s personally identifiable information, which they choose to provide to Creditmonk, is used to help the Organisations describe, identify, and provide accurate information about themselves.

5.4. We will also display information for Organisations who have not signed up or registered for the Services. We will make best efforts to capture accurate information for such unregistered / unclaimed Organisations. However, we does not undertake any liability for any incorrect or incomplete information appearing on the Website for such unregistered / unclaimed Organisations.

6. ANALYTICS AND TAILORED ADVERTISING

6.1. To help us better understand your use of the Services, we may use third-party web analytics on our Services, such as Google Analytics. These service providers use the sort of technology described in the “Automatically-Collected Information” Section above. The information collected by this technology will be disclosed to or collected directly by these service providers, who use the information to evaluate our users’ use of the Services. We also use Google Analytics as described in the following section. To prevent Google Analytics from collecting or using your information, you may install the Google Analytics Opt-Out Browser Add-on.

6.2. Tailored Advertising

6.2.1. Third parties whose products or services are accessible or advertised via the Services may also use cookies or similar technologies to collect information about your use of the Services. This is done in order to help them (i) inform, optimize, and serve ads based on past visits to our website and other sites and (ii) report how our ad impressions, other uses of ad services, and interactions with these ad impressions and ad services are related to visits to our website. We also allow other third parties (e.g., ad networks and ad servers such as Google Analytics, OpenX, Pubmatic, DoubleClick and others) to serve tailored ads to you on the Services, and to access their own cookies or similar technologies on your computer, mobile phone, or other device you use to access the Services. We neither have access to, nor does this Privacy Policy govern, the use of cookies or other tracking technologies that may be placed by such third parties. These parties may permit you to opt out of ad targeting. If you are interested in more information about tailored browser advertising and how you can generally control cookies from being put on your computer to deliver tailored advertising (i.e., not just for the Services), you may visit the Network Advertising Initiative’s Consumer Opt-Out Link, and/or the Digital Advertising Alliance’s Consumer Opt-Out Link to opt-out of receiving tailored advertising from companies that participate in those programs. To opt out of Google Analytics for Display Advertising or customize Google Display Network ads, you can visit the Google Ads Settings page. Please note that to the extent advertising technology is integrated into the Services, you may still receive ads even if you opt-out of tailored advertising. In that case, the ads will just not be tailored to your interests. Also, we do not control any of the above opt-out links and are not responsible for any choices you make using these mechanisms or the continued availability or accuracy of these mechanisms.

6.2.2. When accessing the Services from a mobile application you may also receive tailored in-application advertisements. Each operating system: iOS, Android and Windows Phone provides its own instructions on how to prevent the delivery of tailored in-application advertisements. You may review the support materials and/or the privacy settings for the respective operating systems in order to opt-out of tailored in-application advertisements. For any other devices and/or operating systems, please visit the privacy settings for the applicable device or operating system or contact the applicable platform operator.

6.3. We are committed to providing you with meaningful choices about the information collected on our Services for third party purposes, and that is why we provide the above links to the NAI "Consumer Opt-out", DAA opt-out, and Google opt-out. However, we do not currently recognize or respond to browser-initiated Do Not Track signals, as the Internet industry is still working on Do Not Track standards, implementations and solutions.

7. CHOICE OF SUBSCRIPTION

When you sign up for an account, you have agreed to receive emails from our management and support team. You may “unsubscribe” to instructions in commercial email messages, but you cannot opt out of receiving certain administrative notices, service notices, or legal notices from the website.

8. REVIEWING, CHANGING OR DELETING INFORMATION

8.1. Any reviews / posts submitted by you can be deleted from our websites within 30 days of your review and otherwise subject to approval from our support team. However, please note that copies of your reviews / posts may be viewed in cached and archived pages, or might have been copied or stored by other users of our websites. Proper access and use of information provided on our websites, including information and/or reviews / posts, is governed by our Terms & Conditions.

8.2. You are permitted to display a variety of personal information about yourself on your profile page. You are also permitted to edit such information to a certain extent. Your name [and choice of photo] will be displayed in many places throughout the website and not only on your personal profile page, for instance your name [and photo] will be displayed when you have made any comments / posts on our website and/or provided reviews in respect of any credit transaction with an Organisation. We may transfer certain information of your personal profile to other parties in accordance with your instructions or as pursuant to this Policy. We will make best efforts to accurately record the personal information that you provide to us. However, we request you to review and correct the personal information that is recorded by us.

8.3. You may request us to delete personal information about you which is inaccurate, incomplete, etc. or which infringes any applicable legal laws by sending us an email on support@creditmonk.com. Your right to review and correct your personal information may be limited, and we will not be obligated to amend the same (i) if your requests are abusive or unreasonably excessive, (ii) where the rights or safety of another person or persons would be encroached upon, or (iii) if the information or material you request relates to existing or anticipated legal proceedings between you and us, or providing access to you would prejudice negotiations between us or an investigation of possible unlawful activity, or (iv) if the same would be contrary or inconsistent with our policies and /or applicable laws.

9. AGE LIMIT

The Services are not intended for users under the age of 18 years. We do not knowingly collect any personal information from children under 18 or market to or solicit information from anyone under the age of 18. Should an individual whom we know to be a person under age 18 years send personal information to us, we will delete or destroy such information (including account termination) as soon as reasonably possible. If you believe we might have any information from or about an individual under the age of 18 years, please contact us at support@creditmonk.com.

10. HOW WE PROTECT YOUR INFORMATION

The information collected from the user is processed and displayed on the Website in the form of prescribed by the editors from time to time. We are therefore, not committing to protecting the information we collect. While no web site can guarantee security, we have implemented appropriate administrative, technical, and physical security procedures to help protect the personal information you provide to us from display other than on this web site. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it, including the use of vault and tokenization services form third party service providers. However, no method of transmission over the Internet or via mobile device, or method of electronic storage, is 100% secure. Therefore, while we strive to use generally acceptable means to protect your information, we cannot guarantee its absolute security and thereby usage in a manner that is inconsistent with this Policy. We assume no liability or responsibility for disclosure of your information due to errors in transmission, unauthorized third-party access, or other causes beyond our control. Please be aware that you also play an important role in keeping your personal information secure and should not share your user name, password, or other security information of your account with any other person. If we receive instructions using your user name and password, we will consider that you have authorized the instructions.

11. EXTERNAL LINKS AND SERVICES

The Services may contain links to other websites. If any part of the www.creditmonk.com site links you to other web sites, those external web sites do not operate under this Policy. We recommend that you examine the privacy statements / policies posted on those other web sites to understand their procedures in relation to collecting, using, and disclosing personal information and data. Please be aware that we are neither responsible nor are we making any representations in relation to the content or privacy practices of such other websites, notwithstanding that the same may be linked to our services.

12. COMPLIANCE WITH REGULATIONS

We collect, retain and use data provided by you and comply with generally accepted industry standard regulations in India in this regard. The information we obtain from or about you may be processed and stored in India and such other servers that are linked to it. The data protection and other laws of India might not be as comprehensive as those in your country and regulations followed by us may provide for different data protection rules than the country in which you reside. By using the Services, you consent to the collection, transfer, use, storage and disclosure of your information as described in this Policy.

13. TERMINATION OF YOUR ACCOUNT

You may close your account by visiting your profile settings page on our website. We can also terminate your account without giving any prior notice in the event that we are of the opinon that the usage of your account and/or reviews posted by you are fictitious and /or made with the sole purpose of defaming an organisation on a public domain without any basis or sufficient cause. On or after termination of your account, our support team may hold certain user specific and/or account information for its records in accordance with applicable laws. For example, we may retain information to prevent, investigate, or identify possible wrongdoing in connection with the Services or to comply with legal obligations. Please note that after you close your account, you will not be able to sign in or access any of your personal information. However, you can open a new account at any time. As stated above, please also note that we may retain certain information associated with your account in our archives.

14. MODIFICATIONS TO THIS POLICY

We reserve the right to amend or modify any provision of this Policy at any time. The Policy may be amended to take into account any changes in statutes, our data collection and use practices, features of the services provided by us, etc. We will notify you in respect of material changes made to this Policy by sending a notice to the e-mail address which you have provided to us or by placing a prominent notice on the website. We request you to check our website page from time to time for such changes and to review the same carefully. Use of information we collect is subject to the Policy in effect at the time such information is used. Your continued use of the Services following the posting of changes to this Policy will constitute your consent and acceptance of those changes.

15. CONTACT US

If you have any queries relating to the information provided by you or this Policy, you may email us at support@creditmonk.com or fill out our online Contact Us form. Due to the nature of our business, we do not currently have a mail to address.