At befikar Credit, we value and prioritize the privacy and security of our users' personal information. This Privacy Policy outlines the types of information we collect, how we use and protect that information, and the choices you have regarding your personal data. By accessing or using the befikar Credit fintech platform, you agree to the terms and practices described in this policy.

 

Information We Collect:

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a. Personal Information: We may collect personal information that you provide to us, such as your name, contact details, date of birth, address, employment information, financial information, and other data required for account creation or loan applications.

 

b. Usage Information: We may collect non-personal information about your interactions with our platform, including but not limited to IP address, device information, browser type, referral source, and pages accessed. This information helps us analyze trends, administer the platform, and improve user experience.

 

c. Cookies and Similar Technologies: We use cookies and similar technologies to collect information about your usage patterns and preferences. You can modify your browser settings to manage cookies or opt-out of certain tracking technologies, although this may affect your experience on our platform.

 

How We Use Your Information:

 

a. Providing Services: We use your personal information to process loan applications, evaluate eligibility, provide customer support, and deliver requested services. We may also use your information to communicate with you about your account, updates, and promotional offers.

 

b. Analytics and Improvements: We analyze aggregated, non-personal information to improve our platform, develop new features, and optimize user experience. This data may also be used for market research, statistical analysis, and trend monitoring.

 

c. Legal Compliance: We may use and disclose your information as required by applicable laws, regulations, legal processes, or governmental requests. This includes sharing information to investigate potential fraud, illegal activities, or violations of our terms and conditions.

 

Data Sharing and Disclosure:

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a. Third-Party Service Providers: We may engage trusted third-party service providers to assist us in delivering our services. These providers may have access to your personal information to perform specific tasks on our behalf, but they are obligated to handle your data securely and only for the purposes outlined in our agreements with them.

 

b. Business Transfers: In the event of a merger, acquisition, or any form of sale of some or all of our assets, your personal information may be transferred or disclosed to the acquiring entity. We will notify you before your information becomes subject to a different privacy policy.

 

c. Consent: We may disclose your information to third parties if we have obtained your explicit consent to do so.

 

Data Security:

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We implement reasonable security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security. Please take appropriate measures to protect your personal information and promptly notify us of any security concerns.

 

Your Choices:

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a. Access and Update: You have the right to access, update, or delete your personal information. You can manage your account settings or contact us directly to exercise these rights.

 

b. Communications: You can choose to opt-out of receiving promotional emails or marketing communications by following the unsubscribe instructions included in those messages. However, we may still send you non-promotional communications related to your account or transactions.

 

Children's Privacy:

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Our platform is not intended for use by individuals under the age of 18. We do not knowingly collect or solicit personal information from minors. If we become aware that we have collected personal information from a child without parental consent, we will take steps to remove the information promptly.

 

Changes to this Privacy Policy:

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We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our platform or by other means of communication. We encourage you to review this policy periodically.

 

Contact Us:

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If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact us at support@befikarcredit.in.

 

Note: This Privacy Policy applies solely to befikar Credit's fintech platform and does not govern the practices of any third-party websites, services, or applications that may be linked or integrated with our platform. We encourage you to review the privacy policies of those third parties before providing any personal information.