Kredmint Technologies Private Limited, a company registered under the Companies Act 2013 having its registered office at 247, Sector -7A,
Faridabad – 121006, owns, manages and operates this platform under the brand name ‘Kredmint’ (hereinafter referred as “Company”, “We”,
“Us” or “Our”)
Kredmint Technologies Private Limited including its affiliates and subsidiary company has created this Policy to demonstrate its
commitment towards the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information),
Rules, 2011 (“Rules”)
Kredmint recognizes the importance of “Personal Information” including “Sensitive Personal Information” provided by natural persons, under
lawful contract. Kredmint intends to take reasonable measures to keep such information confidential and may share it with its affiliates and
third parties under appropriate arrangements and under the applicable laws and policies.
corporate, reference to such terms shall include a reference to such business entity and/or body corporate as well and other promoters of
such business entity and/or body corporate.
We collect various types of information from and about Users of Our Platform, including:
b. Financial information such as Bank account or credit card
or debit card or other payment instrument details;
c .Physical, physiological and mental health condition;
d. Sexual orientation
e. Medical records and history;
f. Biometric information
g. Any detail relating to the above clauses as provided to us
for providing services; and
h. Any of the information received under any of the above
clauses by us for processing, storing or processing under
lawful contract or otherwise.
We collect this information:
The information We collect on or through Our Platforms shall include inter alia:
Where possible, We indicate which fields are mandatory and which fields are optional to be filled on the Platform. You always have the
option to not provide information by choosing not to submit particular information or feature on the Platform.
By using this Platform, You consent to the collection, storage, and use of the User Information that you provide for any of the services that We
offer, and You consent to Our collection of any changes or updates that you may provide to the User Information. The Company collects only
such User Information that the Company believes to be relevant for the purpose of identification and verification and is required to understand
You or Your interests or provide services that You may require or request. it is clarified that we shall not be liable, for any reason whatsoever, for the authenticity of any user information provided by you to us. you hereby represent, warrant and confirm that the user
information provided by you is and shall continue to be valid, true and accurate.
To avail certain services from financing partners/ merchants/ service providers through Our Platform, We may require credit, debit card and/ or internet banking account information. Hence, by submitting Your credit, debit card and/ or internet banking account information through Our Platform, You expressly consent to the sharing of Your information with the sellers/ merchants, third-party payment processors, payment gateways, payment aggregators and other third-party service providers (including to vendors who provide fraud detection services to Us, financing partners and other third parties).
We will be collecting, processing and storing Your user ID associated with any social media account (such as Your Facebook and Google
account) that you use to sign into the Platform or connect with or use the Platform.
Also, information will be collected about You from third parties such as partners, merchants, marketers, third-party websites, and researchers.
Information may be collected automatically from the computer or devices (including mobile devices and information contained therein) You use to access the Platforms, even if you use the Platforms without registering or logging in and the same shall include inter alia:
We, and third parties with whom We partner, shall use pixel tags, cookies, web beacons, mobile device IDs, “flash cookies” and similar
files or technologies to collect and store information in respect to Your use of and third party websites and the Platforms. A cookie can be
understood as a small text file that is stored on Your computer/ mobilethat enables Us to recognize You (for example, as a registered user)
when You visit Our Platform, 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 Platforms, and assist with security and
administrative functions This anonymous information is maintained distinctly and is not linked to the User Information You submit to the
Company. A pixel tag (also called a web beacon) can be understood as a small graphic with embedded invisibly on a webpage (or an online ad
or email) and a unique identifier, 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. Additionally, You may encounter cookies or other similar devices on certain pages of the
whatsoever for these third party cookies. We advise You to check their privacy policies for information about third parties cookies and other
practices. We do not control the practices of such third parties/partners and their privacy policies/ cookies policies which govern their
interactions with You.
Kindly note that most browsers are set to automatically allow cookies. Most cookies are session cookies that are automatically deleted from
Your hard drive when You close the browser. HOWEVER, IT MAY BE POSSIBLE TO DISABLE SOME (BUT NOT ALL) COOKIES THROUGH YOUR
MOBILE DEVICE OR BROWSER SETTINGS, BUT DOING SO MAY INTERFERE WITH CERTAIN FUNCTIONALITIES ON THE PLATFORM.
Information collected from You can be used for various purposes including inter alia:
Personal Information/ sensitive personal data collected from You or on/ through the Platform may be disclosed to and/ or for various purposes
including inter alia:
Disclosure Limitation – Data collected for a particular purpose/usage and shall be used for that purpose only and shall not be used for any other purpose without the consent of the User or other legal permission.
You can close Your account through a written request addressed to the Company’s representatives (as identified on the ‘Contact Us’ page on
If You delete Your information from Our Platforms, copies of Your information may remain viewable in cached and archived pages, or
might have been copied or stored by other users of Our websites/ servers as necessary to comply with its legal obligations, resolve disputes, and enforce its agreements or for other business purposes.
The Platforms are not intended for Users under the age of 18 years. We do not knowingly collect any personal information from persons under
the age of 18 years or market to or solicit information from anyone under the age of 18 years.
The Platforms links to other websites/ applications, which may collect personally identifiable information about You. The Company is not and
will not be responsible for the privacy practices or the content of those linked websites. Company is not responsible for any form of
transmission, whatsoever, received by You from any third party platform. We do not endorse or make any representations about third-
parties. Under no circumstances shall We be deemed to control or guarantee the accuracy, integrity, or quality of the information, data,
text, software, sound, photographs, graphics, videos, cookies, messages or other materials available on such platforms. We strongly
encourage you to read such third parties’ privacy policies.
We use third-party advertising companies/ entities to serve advertisements when You visit Our Platforms. These entities may use
information (not including Your name, address, email address, or telephone number) about Your visits to the Platform and other websites
in order to provide advertisements about goods and services of interest to You.
THIS CANCELLATION AND REFUND TERMS IS APPLICABLE TO ALL FORMS OF DIGITAL PAYMENTS
To prevent any form of unlawful interception or misuse of User Information, We use reasonable physical, electronic, and managerial
procedures to safeguard and secure the User Information collected. We use reasonable secure and technologically appropriate measures, in
compliance with the Information Technology Act, 2000 and the rules related thereto to protect You against loss or misuse of Your User
Information including internal reviews of data collection, storage and processing practices and other reasonable security measures which are
equivalent to security measures that Company uses to protect its own confidential information. We have implemented technical and
organizational measures designed to secure the Your personal confidential, personal sensitive and commercial information from
accidental loss and unauthorized access, use, alteration or disclosure. 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 commercially acceptable means to protect Your personal information, We cannot guarantee its absolute security.You should not share Your user name, password, or other security information relating to Your account with anyone. If We receive instructions using Your user name and password, We will consider that You have authorized the instructions. You agree and confirm that Your User Information may be transferred, processed and stored. You hereby confirm that You have been made aware of the security measures undertaken by Us and You expressly consent to Us storing, handling, using Your User Information. Further, you agree that you shall not engage in any activity of data scraping or data crawling on the Platform and usage of web crawling or web scrapping software for accessing the Platform would be considered to be an unauthorised access.
All content on Our Platform, including graphics, text, icons, interfaces, audio clips, logos, images, reviews, comments and software is the
property of the Company and/or its content suppliers and is protected by Indian and international copyright laws and other applicable
intellectual property laws. Any use, including the reproduction, modification, distribution, transmission, republication, display or performance, of the content on this Platform can only be made with the express written permission of the Company. All other trademarks, brands and copyrights other than those belonging to the Company, belong to their respective owners and are their property. You shall not modify the paper or digital copies of any materials you have printed off or downloaded in any way on or from the Platform, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. YOU MUST NOT USE ANY PART OF THE CONTENT ON OUR PLATFORM FOR COMMERCIAL PURPOSES WITHOUT OBTAINING A WRITTEN LICENCE TO DO SO FROM US OR OUR LICENSORS. IF YOU PRINT OFF, COPY OR DOWNLOAD ANY PART OF OUR PLATFORM IN BREACH OF THE TERMS HEREOF, YOUR RIGHT TO USE OUR PLATFORM WILL CEASE IMMEDIATELY AND YOU SHALL, AT OUR OPTION, RETURN OR DESTROY ANY COPIES OF THE MATERIALS YOU HAVE MADE.
If Your information is submitted to Us through Our Platform when applying for a position with the Company, the information will be used to consider Your application. We may retain Your information for any period of time. This information may be shared with other companies for the purpose of evaluating Your qualifications for the particular position or other available positions, as well as with third-party service providers retained by Us to collect, maintain and analyze candidate submissions for job postings.
constitute Your consent and acceptance of those changes.
This Policy shall be governed by and construed in accordance with the laws of India and subject to the provisions of arbitration set out herein,
the courts at Delhi shall have exclusive jurisdiction in relation to any disputes arising out of or in connection with this Policy.
If any dispute arises between Us and the User in connection with or arising out of the validity, interpretation, implementation or alleged breach of any provision of the Policy, such dispute shall be referred to and finally resolved by arbitration in accordance with the Indian Arbitration and Conciliation Act, 1996 for the time being in force, which rules are deemed to be incorporated by reference in this clause. There shall be one (1) arbitrator and the seat of the arbitration shall be Delhi, India.
The language of the arbitration proceedings and of all written decisions and correspondence relating to the arbitration shall be English.
The Company makes no representation that the content contained on the Platform is appropriate or to be used or accessed outside of India. If
the Users use or access the Platform from outside India, they do so at their own risk and are responsible for compliance with the laws of such jurisdiction.
We make no warranties or representations about the accuracy or completeness of this Platform and contents hereof. We nor any of Our contractors, partners or employees shall be liable for any direct, incidental, consequential, indirect or punitive damages arising out of access to or use of any content of this Platform.
We communicate information provided and created by content partners, software developers, publishers, marketing agents, employees, users, resellers, advertisers and other third parties. While every attempt has been made to ascertain the authenticity and validity of the content on the Platforms, We have no control over content, the accuracy of such content, integrity or quality of such content and the information on Our pages, and material on the Platforms may include technical inaccuracies or typographical errors, and We make no guarantees, nor can We be responsible for any such information, including its authenticity, currency, content, quality, copyright compliance or legality, or any other intellectual property rights
compliance, or any resulting loss or damage. FURTHER, WE ARE NOT LIABLE FOR ANY KIND OF DAMAGES, LOSSES OR ACTION ARISING DIRECTLY OR INDIRECTLY DUE TO ANY CONTENT, INCLUDING ANY ERRORS OR OMISSIONS IN ANY CONTENT, ACCESS AND/OR USE OF THE CONTENT ON THE PLATFORMS OR ANY OF THEM INCLUDING BUT NOT LIMITED TO CONTENT BASED DECISIONS RESULTING IN LOSS OF DATA, REVENUE, PROFITS, PROPERTY, INFECTION BY VIRUSES, DISTRIBUTED DENIAL-OF-SERVICE ATTACK, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF OUR PLATFORM OR TO YOUR DOWNLOADING OF ANY CONTENT ON IT, OR ON ANY WEBSITE LINKED TO IT, ETC.