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Privacy Policy

Effective Date: 15 Sep, 2024

At CibilFree.com, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and protect your data when you access or use our website, mobile applications, and services. By using our services, you agree to the terms outlined in this Privacy Policy.

1. Information We Collect

We collect various types of information to provide and improve our services to you, including:

a. Personal Information

Personal information that can identify you, such as:

  • Name
  • Email Address
  • Phone Number
  • Date of Birth
  • Identification details (such as PAN number or Aadhar number)
  • Financial information (including your credit history and related data)

b. Non-Personal Information

Non-personally identifiable information collected automatically, such as:

  • IP address
  • Browser type and version
  • Device type and operating system
  • Referring website and exit pages
  • User behavior and interaction with the website

c. Information from Third-Party Sources

We may receive information from third-party services, such as credit bureaus, partners, or affiliates, to verify or enhance your profile, including:

  • Credit score information
  • Financial data or history

2. How We Use Your Information

We use the collected information to:

  • Provide, personalize, and improve our services
  • Verify your identity and manage your account
  • Offer financial insights and credit score information
  • Communicate with you regarding updates, offers, or promotional content
  • Process transactions or requests that you make through our platform
  • Monitor and analyze usage trends and preferences to enhance user experience
  • Ensure the security of our platform and prevent fraudulent activities
  • Comply with legal requirements and enforce our policies

3. Sharing of Your Information

We do not sell or rent your personal information. However, we may share your data in the following circumstances:

a. With Credit Bureaus

To provide credit score information, we may share your personal and financial information with authorized credit bureaus.

b. Service Providers and Partners

We may share your information with trusted third-party vendors and service providers who perform services on our behalf, such as payment processors, marketing partners, or IT support.

c. Legal Obligations

We may disclose your information if required by law, such as in response to a court order, subpoena, or government investigation.

d. Business Transfers

In the event of a merger, acquisition, or sale of our business or assets, your personal information may be transferred to the acquiring entity.

4. Security of Your Information

We implement industry-standard security measures, including encryption and secure servers, to protect your personal information from unauthorized access, alteration, disclosure, or destruction. While we strive to protect your data, no method of transmission over the internet is completely secure, and we cannot guarantee its absolute security.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies help us understand user preferences and improve functionality by remembering user settings and personalizing content.

You can manage or disable cookies through your browser settings. However, this may affect the functionality of our services.

6. Your Rights and Choices

You have the right to:

  • Access and Update: Request access to your personal information and make updates or corrections.
  • Opt-Out: Unsubscribe from marketing communications by following the instructions provided in each email.
  • Delete Your Information: Request the deletion of your personal data, subject to legal obligations.
  • Data Portability: Request a copy of your data in a structured, machine-readable format.

To exercise these rights, please contact us using the details provided below.

7. Retention of Data

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. When the data is no longer needed, we will securely delete or anonymize it.

8. Children’s Privacy

Our services are not intended for children under the age of 18, and we do not knowingly collect personal information from individuals under this age. If we become aware that a child under 18 has provided us with personal information, we will take steps to delete it.

9. International Data Transfers

If you are accessing CibilFree.com from outside of [Country], your personal information may be transferred to and processed in the country where our servers or third-party service providers are located. By using our services, you consent to such transfers.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we make significant updates, we will notify you by posting a notice on our website or through other communication methods. Please review this policy periodically.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your personal information, you can contact us at:

CibilFree.com
Email: admin@cibilfree.com