We provide secure collect and generate data about you.
Data by which you are identified is termed as “Your Personal Data”.
Personal Data does not include any information that is freely available or accessible in public domain.
Your Privacy is our most importance to us and protection of your Personal Data is a key commitment for us.
Your Personal Data we collect from you are as under these circumstances.
Personal details like name, contact details, residential address, date of birth, documents such as identity card / passport details / Aadhaar details / PAN / Voter ID / driving license, and/or other details need to open an account with us and/or avail other services from us.
Your CreditKiya account details including transaction history, balances, payment details, for effecting transfer of monies through various payment channels provided by us.
Financial details like income text, expenses, and/or credit history needed as part of application request for some of our services.
Images of documents/ photos uploaded by you are required to open and maintain CreditKiya account with us and/or avail our services from us.
Customer voice recordings of our conversations with our customer care agent with you to address your queries/grievances.
Employment details such as occupation, positions held, employment history, salary and/or benefits as part of our record retention for CreditKiya KYC Data Registry purposes under Prevention of Money Laundering Rules, 2005
Specimen signature(s) for processing of your instructions received by us through our various payment channels
Your opinions about our services provideds feedback or responses to surveys
Your information obtained from your mobile/PC device by way of using our app like device location, communication information including contacts and call logs, device information (including storage, model, mobile network), transactional and promotional SMS/app notifications.
We store and process your Personal Data only in India, in accordance with RBI circular in respect of the Storage of Payment System Data dated 6th April 2018.
Our backup data center and systems also maintain backup in case of data loss due to system failure for recovery in India.
Any Personal Data that we have access to shall never be shared without your permission.
In various processes / submission of applications / availment of services offerings, we even seek your explicit consent to use / share your Personal Data.
In our services and operational processes, we only share the data on a partial and “need-to-know” basis to designated personnel or partners or service providers.
We will share your data with competent/ legal/statutory/regulatory agencies / authorities or partners/service providers acting on our behalf (as the case may be) in following cases...
Only for enabling the provision of the banking services availed by you, strictly on a “need to know” basis and subject to applicable laws.
It is directed or required by legal/regulatory / statutory / governmental authorities under applicable laws/regulations though a legally obligated request.
It is required by banks/financial institutions to verify, mitigate or prevent fraud or to manage risk or recover funds in accordance with applicable laws/regulations.
We use your Personal Data to avoid fraud occuring in our services activities for providing ours’ products/services and to perform, among other actions, the following...
To facilitate the smooth banking transactions or report on these transactions.
To undertake research and analytics for offering or improving our banking services and their security and service quality.
To check and process your applications submitted to us for banking services and/or instructions or requests received from you in respect of these services.
To share with you, updates on changes to the banking services and their terms and conditions
To take up or investigate any complaints/claims/disputes.
To respond to your queries or feedback submitted by you.
To verify your identity for us to provide banking services to you.
To carry credit checks, screenings or due diligence checks as lawfully required by us;
To monitor and review banking services from time to time.
To undertake financial/regulatory/management reporting, and create and maintain various risk management models
For conducting audits and for record keeping purposes.
For selective offers and promotions.
We also use your Personal Data to fulfill the requirements of applicable laws/regulations and/or court orders/regulatory directives received by us.
We preserve your personal data in our high-level secure server to avoid any damage
We retain your Personal Data as long as the purpose for its usage exists, after which the same is disposed off by us except for any record retention required as per Master Direction on Issuance and Operation of Prepaid Payment Instruments https://rbi.org.in/ScriptS/BS_ViewMasDirections.aspx?id=11142, Banking Companies (period of preservation of records) rules, 1985 https://financialservices.gov.in/sites/default/files/Banking Companies %28Period of Preservation of Records0 Rules%291985.pdf and the Prevention of Money-Laundering (Maintenance of Records) Rules, 2005 https://dea.gov.in/sites/default/files/moneylaunderingrule.pdf.
The Prevention of Money Laundering Act 2002 guidelines i.e. section 12, sub-clause nos. 3 and 4 https://fiuindia.gov.in/files/AML_Legislation/PMLA_2002/Section%2012%20-%20Obligations-Reporting%20Entity%20to%20maintain%20records.html and PPI guidelines -para 6, sub-clause no. 6.3 https://rbi.org.in/ScriptS/BS_ViewMasDirections.aspx?id=11142 require your transaction logs to be stored for a period of up to 10 years post the deletion of an account. In the event of the pendency of any legal/regulatory proceeding or receipt of any legal and/or regulatory direction to that effect, we may be suggested by the law of the land to retain your Personal Data for longer periods.
Our Cookies Policy
Please note that a "cookie" is a small piece of information stored by a web server on a web browser so it can be later read back from that browser.
We may use cookie and tracking technology depending on the features offered.
No Personal Data will be collected via cookies and other tracking technology however, if you previously provided Personal Data, cookies may be tied to such information.
We take various steps and measures to protect the security of your Personal Data from misuse, loss, unauthorised access, modification or disclosure. We use latest secure server layers encryption and access control on our systems. Our safety and security processes are audited by a third party cyber security audit agency from time to time.
We have provided multiple levels of security to safeguard your app by Login/Logout option and other feature that can be enabled by you. We also ensure the device binding so that the same login can not be used on different device without any additional authentication/OTP. Please do not share your login user id, password and OTP details with anybody.
We may take and save your device GPS location every time you use the CreditKiya application and perform a transaction or upload KYC, This location data used for security, Analysis, and fraud prevention purpose. And we take care of your utmost privacy.
Notes :- In this policy, the words “we”, “ours” and/or “us” refer to CreditKiya and “you” and/or “your” refer to our customers.