Privacy Policy

At CreditWorth ("we," "us," or "our"), we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services, including any related mobile applications (collectively, the "Services").

Please read this Privacy Policy carefully. By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by all the terms of this Privacy Policy. If you do not agree with our policies and practices, please do not use our Services.

This Privacy Policy applies to all users of our Services, including but not limited to users seeking information about financial products, loan comparisons, EMI calculations, and other financial services offered through CreditWorth.

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register for an account
• Express interest in obtaining information about our services
• Apply for financial products through our platform
• Participate in activities on our Services (such as using our calculators or comparison tools)
• Contact us with inquiries or feedback

The personal information we may collect includes, but is not limited to:

• Name, email address, phone number, and mailing address
• Date of birth and gender
• Employment information and income details
• Financial information (such as credit score, loan history, and banking details)
• Government-issued identification (such as PAN, Aadhaar, or other ID numbers)
• Property information (for home loans and related services)
• Any other information you choose to provide

Automatically Collected Information

When you access or use our Services, we may automatically collect certain information, including:

• Device Information: Information about your device, including IP address, device type, operating system, browser type, mobile network information, and device identifiers.
• Usage Information: Information about how you use our Services, including browsing actions, search queries, referring/exit pages, date/time stamps, and pages viewed.
• Location Information: Approximate location derived from your IP address.
• Cookies and Similar Technologies: We use cookies, web beacons, and similar tracking technologies to collect information about your browsing activities.

We may use the information we collect for various purposes, including to:

• Provide, maintain, and improve our Services
• Process applications and connect you with financial service providers
• Personalize your experience and deliver content relevant to your interests
• Calculate and display financial information based on your inputs (such as EMI calculations)
• Provide customer support and respond to your inquiries
• Send you technical notices, updates, security alerts, and administrative messages
• Communicate with you about products, services, offers, and events, and provide news and information we think will be of interest to you
• Monitor and analyze trends, usage, and activities in connection with our Services
• Detect, investigate, and prevent fraudulent transactions and other illegal activities
• Comply with legal obligations and enforce our terms and policies
• Improve our marketing and promotional efforts
• Develop new products, services, features, and functionality

We may share your information in the following circumstances:

Financial Service Providers

When you use our Services to apply for financial products or express interest in financial services, we may share your information with relevant financial institutions, lenders, banks, and other service providers to facilitate your request.

Service Providers

We may share your information with third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf, such as:

• Data analytics providers
• Customer service and support providers
• Marketing and advertising partners
• Payment processors
• Cloud storage providers
• IT and system administration service providers

Business Transfers

If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of company assets, your information may be transferred as part of that transaction.

Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).

Protection of Rights

We may disclose your information to protect the rights, property, or safety of CreditWorth, our users, or others, including exchanging information with other companies and organizations for fraud protection and credit risk reduction.

With Your Consent

We may share your information with your consent or at your direction.

Aggregated or De-identified Information

We may share aggregated or de-identified information, which cannot reasonably be used to identify you, with third parties for research, marketing, analytics, and other purposes.

We and our third-party service providers use cookies, web beacons, and other tracking technologies to track information about your use of our Services. We may combine this information with other personal information we collect from you.

Cookies

Cookies are small data files stored on your device that help us improve our Services and your experience, see which areas and features of our Services are popular, and count visits. Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject cookies. Please note that if you choose to remove or reject cookies, this could affect certain features of our Services.

Types of Cookies We Use

• Essential Cookies: Necessary for the operation of our website and Services.
• Analytical/Performance Cookies: Allow us to recognize and count the number of visitors and see how visitors move around our website.
• Functionality Cookies: Used to recognize you when you return to our website.
• Targeting Cookies: Record your visit to our website, the pages you have visited, and the links you have followed.

Web Beacons

Web beacons (also known as "pixel tags" or "clear GIFs") are tiny graphics with a unique identifier that may be included on our Services for analytics purposes or to help deliver cookies. They allow us to count users who have visited certain pages or viewed certain advertisements, and to understand usage patterns.

Third-Party Analytics

We may use third-party analytics services, such as Google Analytics, to help us understand how users engage with our Services. These services may use cookies and similar technologies to collect information about your use of the Services and report website trends. You can learn more about Google's practices at https://policies.google.com/technologies/partner-sites and opt out by downloading the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/gaoptout.

We implement appropriate technical and organizational measures to protect the security of your personal information. However, please be aware that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

Our security measures include:

• Encryption of sensitive data in transit and at rest
• Secure socket layer (SSL) technology
• Regular security assessments and penetration testing
• Access controls and authentication procedures
• Regular security training for our staff
• Physical security measures for our facilities

We regularly review and update our security practices to enhance the protection of your information.

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us. If we become aware that we have collected personal information from children without verification of parental consent, we will take steps to remove that information from our servers.

Your information may be transferred to, and maintained on, computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those in your jurisdiction.

If you are located outside India and choose to provide information to us, please note that we transfer the information, including personal information, to India and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy, and no transfer of your personal information will take place to an organization or a country unless there are adequate controls in place, including the security of your data and other personal information.

Depending on your location, you may have certain rights regarding your personal information. These may include:

• The right to access and receive a copy of your personal information
• The right to rectify or update your personal information
• The right to delete your personal information
• The right to restrict or object to the processing of your personal information
• The right to data portability
• The right to withdraw consent

To exercise these rights, please contact us using the information provided in the "Contact Us" section below.

Account Information

If you have an account with us, you can review and update your personal information by logging into your account settings.

Marketing Communications

You can opt out of receiving promotional emails from us by following the instructions in those emails. If you opt out, we may still send you non-promotional emails, such as those about your account or our ongoing business relations.

Mobile Push Notifications

With your consent, we may send push notifications to your mobile device. You can deactivate these notifications by changing the settings on your mobile device.

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Last Updated" date, and the updated version will be effective as soon as it is accessible. We encourage you to review this Privacy Policy frequently to be informed of how we are protecting your information.

If we make material changes to this Privacy Policy, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this Privacy Policy frequently to be informed of how we are protecting your information.