Kredmint Technologies Private Limited, a company registered under the Companies Act 2013 having its registered office at C 56, 3rd Floor, Sector 2 Noida, 201301, owns, manages and operates this platform under the brand name kredmint (hereinafter referred as “Company”, “We”, “Us” or “Our” which term includes Our affiliates, subsidiaries, group companies, associates and assigns).
The purpose of this Policy is to give You information on how the Company collects, stores, Uses, discloses, transfers and processes Your Personal Information (defined below) including Sensitive Personal Information (defined below) when: (a) You Use Our websites including www.kredmint.com (“Websites”), software applications or mobile applications including the Kredmint application (“Apps”) or platform(s) of any of Our partners (“Platforms”) (Websites, Apps and Platforms shall collectively be the “Portal”), or (b) You avail any products or services which We may operate or offer to You either directly through the Portal or through a merchant or partner platform. This Policy also governs Our practices for collecting, Using, maintaining, protecting and disclosing Your User Information (defined below).
The term “Websites” includes all pages that are sub-domains or are associated with or exist within each Website which are hosted by the Company. By accessing the Portal and/or Using products or services provided by Us directly or indirectly, You agree that You have read and understood, and agree to be bound by this Policy and Our Terms and Conditions. By Using the Portal, and/or having Used the products or services offered by Us directly or indirectly, in the past, present or future, You expressly and explicitly consent to Our Use and disclosure of Your User Information in accordance with this Policy. If You do not consent to these, We request that You do not Use or access Our Portal. You further acknowledge and accept that Your consent herein shall also be applicable to Your User Information (defined below) submitted to Us, directly or indirectly, in the past.
It is strongly recommended for You to return to this page periodically to review the most current version of this Policy which is amended by Us from time to time.
Your acknowledgment and consent
This Policy applies only to the User Information (defined below) collected by Us on the Portal. By Your acceptance of this Policy, You explicitly consent to collection, storage, processing, handling and Use of such User Information, in accordance with this Policy (as amended from time to time).
This Policy does not apply to information that You provide to, or that is collected by, any third-party, such as lenders/financing partners who provide credit facilities (“Financiers”), merchants from which You avail services and social networks that You Use in connection with Our services. We encourage You to consult directly with such third-parties about their privacy practices.
Please read this Policy carefully to understand Our policies and practices regarding Your information and how it will be treated in accordance with this Policy.
We access Your phone resources or metadata only in compliance with applicable law.
We only collect the User Information from the sources above in accordance with applicable law.
You agree and acknowledge that collection of Your User Information is necessary for the purposes above and the collection of Your User Information is in furtherance of a lawful purpose.
Your User Information which collected for a particular purpose/Usage and shall be Used for that purpose only and shall not be Used for any other purpose without Your consent.
We may store Your User Information for as long as the same is required for the fulfilment of purposes for which We collected it. The retention of User Information by the Company is determined by considering compliance with legal (contractual, statutory or regulatory requirements), accounting and compliance reporting requirements. We only store Your User Information in servers located in India. We do not store any biometric data.
If You have availed any credit facilities from Our associated Financiers, such Financiers shall have the right to continue processing Your User Information until such credit facility has been repaid in full, along with any interest and dues payable and/or for such period as may be allowed under applicable law, and You provide Your explicit consent for the same.
Please submit a request at email@example.com if You would like to exercise any of the above rights. These rights are limited in some situations, such as where We are legally or otherwise bound to process or retain Your User Information. Please note that this may also affect Our ability to process or enable Your User Information and may therefore lead to the discontinuation of those services or products for which this User Information was being Used for, at Our sole discretion.
Data Retention, Sanitisation and Destruction:
We retain Your User Information for as long as necessary for the purposes described above. This means that We retain different categories of data for different periods of time depending on the type of data, the category of user to whom the data relates, and the purposes for which we collected the data. As stated above, You may request deletion of Your information submitting a request at firstname.lastname@example.org. Following an account deletion request, We delete Your data, unless they must be retained due to legal or regulatory requirements, for purposes of safety, security, and fraud prevention, or because of an issue relating to You or Your data is pending. We may also sanitize Your User Information if requested. Sanitization refers to the general process of removing data from hard drives or other storage media so that data may not be easily retrieved and reconstructed. When You request Your User Information is deleted, we destroy Your User Information by decommissioning the hardware on which it is stored. If a hardware device on which Your User Information is unable to be decommissioned, the device will be physically destroyed in accordance with industry standard practices.
If You request that We delete Your User Information, it may take at least 90 (ninety) days to delete your information after We begin the deletion process or receive a content deletion request. After the information is deleted, it may take us at least another 90 (ninety) days to remove it from backups and disaster recovery.