a) The term ‘Company’ shall mean ‘Credenc Web Technologies Private Limited’ a Private Limited Company limited by shares and registered under the Companies Act, 2013 and having its registered office at 2nd Floor, DLF Centre, Sansad Marg, New Delhi – 110001
b) The term ‘website’ shall mean www.credenc.com
c) The term ‘You’ &‘User’ shall mean any legal person or entity accessing or using the services provided on this Website, who is competent to enter into binding contracts, as per the provisions of the Indian Contract Act, 1872;
d) The terms ‘We’, ‘Us’& ‘Our’ shall mean the Website and/or the Company, as the context so requires.
a) We are committed to safeguarding your privacy and ensuring that you continue to trust us with your personal data. When you interact with us you may share personal information with us which allows identification of you as an individual. This is known as personal data.
a) This Policy applies to the personal data that we collect about you for the purposes of providing you with our services.
c) We reserve the right to change this Policy without prior notice. We encourage you to regularly review this policy to ensure that you are aware of any changes and how your personal data may be used.
We may collect data about you from a variety of sources, including through:
a) Online and electronic interactions with us, including via the website, mobile applications, text messaging programs or through our pages on third party social networks.
b) Your interaction with online targeted content (such as advertisements) that we or service providers on our behalf provide to you via third party websites and/or applications.
This is data that you provide us with your consent for a specified purpose including:
a) Personal contact information, including any information allowing us to contact you in person (e.g. name, home or (e) mail address and phone number);
b) Demographic information, including date of birth, age, gender, location
c) Payment information, including any information used to make purchases (e.g. credit card number, expiration date, billing address)
d) Account login information including any information that is required for you to establish a user account with us. (e.g. login ID/email, user name, password and security question/answer);
e) Consumer feedback, including information that you share with us about your experience in using our services (e.g. your comments and suggestions, testimonials and other feedback)
The app does use third party services that may collect information used to identify you.
We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.
Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory.
This Service does not use these “cookies” explicitly. However, the app may use third party code and libraries that use “cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.
We may employ third-party companies and individuals due to the following reasons:
We want to inform users of this Service that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.
We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.
a) We may share your personal information with other corporate entities and affiliates to help detect and prevent identity theft, fraud and other potentially illegal acts; correlate related or multiple accounts to prevent abuse of our services; and to facilitate joint or co-branded services, where such services are provided by more than one corporate entity.
c) We and our affiliates may share / sell some or all of the your personal information with other business entities in the event that we merge or are acquired by such business entity, or in the event of re-organization, amalgamation, or restructuring of the our business. Such business entity or new entity will continue to be bound be the Terms and Policy, as may be amended from time to time.
We and our affiliated partners may use the personal information submitted by you to contact you in relation to the services offered. This shall override any calling preferences, which you may have registered in the NDNC.
Transactions on the Website are secure and protected. Any information entered by the User when transacting on the Website is encrypted to protect the User against unintentional disclosure to third parties. The User’s credit and debit card information is not received, stored by or retained by the Company / Website in any manner. This information is supplied by the User directly to the relevant payment gateway which is authorized to handle the information provided, and is compliant with the regulations and requirements of various banks and institutions and payment franchisees that it is associated with.
We use third-party advertising companies to serve ads to the users of the Website. These companies may use information relating to the User’s visits to the Website and other websites in order to provide customised advertisements to the User. Furthermore, the Website may contain links to other websites that may collect personally identifiable information about the User. The Company/Website is not responsible for the privacy practices or the content of any of the aforementioned linked websites, and the User expressly acknowledges the same and agrees that any and all risks associated will be borne entirely by the User.
In accordance with Information Technology Act 2000 and rules made there under,contact details of the Grievance Officer are provided below:
In order to keep your personal data secure, we have implemented a number of security measures including:
a) We store your data in secure operating environments accessible only to our employees, agents and affiliates on a need to know basis.
b) We use 256-bit encryption to provide protection for sensitive financial information, such as credit card information sent over the Internet.
c) Prior authentication for account access - We require our registered users to verify their identity (e.g. login ID and password) before they can access or make changes to their account. This is aimed to prevent unauthorized accesses.
d) Please note that these protections do not apply to personal data you choose to share in public areas such as on community websites.
We will only retain your personal data for as long as it is necessary for the stated purpose, taking into account also our need to answer queries or resolve problems, provide improved and new services, and comply with legal requirements under applicable laws. This means that we may retain your personal data for a reasonable period after your last interaction with us. When the personal data that we collect is no longer required in this way, we destroy or delete it in a secure manner.
Any controversy or claim arising out of or relating to this policy shall be decided by Arbitration in accordance with laws of India. The Arbitral Tribunal shall consist of one arbitrator who will be appointed by the Company. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. Any other dispute or disagreement of a legal nature will also be decided in accordance with the laws of India, and the Courts at New Delhi shall have exclusive jurisdiction in all such cases.