Crediito Tech Private limited (hereinafter referred to as "the Company”),
its Website and
Mobile Application called "Crediito” runs an employee financial wellness
that allows the
employee users to track their salary and enables them to withdraw on credit, the
salary at any point of time at an agreed transaction fees which credit is
Financial Companies with whom the Crediito has arrangements.
present policy lays down how Crediito collects, uses, discloses, shares and
User Employees including You.
By using or accessing the Crediito platform or opening an Account on the
Platform, you agree
to accept the present Policy and you hereby consent to Crediito collecting,
disclosing, sharing and transferring your Information and personal data
not limited to
sensitive Personal Information. This Policy is an electronic record in the form
formed under the Information Technology Act, 2000 and the rules made thereunder.
In case You do not want to share Information as contained herein below for use
Crediito as stated,
you are free to opt out or not use the Crediito platform by deleting the Account
such a case, are
In case in future, You intend that Your Information as collected should not be
deleted, you can withdraw your consent as provided in the present Policy, by
platform revoking the said consent or deleting the Account, as the case may be.
Crediito reserves with itself rights to modify, change or update this Policy at
accessing of the Crediito platform or use of the Products and Services shall be
to be your
acceptance of this Policy or amendments thereof.
2. Collection, processing, disclosure and sharing of Information
Crediito collects, uses, discloses, shares and transfers Information, other
communications, information etc. provided by User Employees, when the Users use
Crediito platform or the Products and Services.
For the purpose of these Terms, the term "Personal Information” shall mean
you or the Employer provides to Crediito and shall include, without limitation
gender, date of birth, age, phone number, photograph, your financial information
such as bank
account or credit card or debit card or other payment details, your email ID and
your employee identification number with the Employer, official email id, your
history with the Employer, attendance details KYC details (PAN, Aadhar Card,
Salary Slip, account details and bank statements, income tax returns etc.).For
the purpose of
this Policy, the term "Non-Personal Information” shall mean information
that does not specifically identify an individual but includes information from
you such as the type of internet
browser You use, mobile device or computer you use, your mobile device's
unique device ID,
your, your Internet Service Provider (ISP) and your Internet Protocol (IP)
Personal and Non-Personal Information together is referred to
as "Information”. Crediito may
collect Information from you when you open an Account or fill the Application
Form, when you
use the features or the Products and Services, when you participate in surveys
when you interact with the customer care team, when you carry out transactions
Crediito platform etc. You specifically undertake and warrant the accuracy and
the Information you share and agree that you shall be solely responsible for the
including, without limitation, for simplifying your experience when you return
platform, like remembering your login ID and certain Personal Information,
content based on your preferences, usage patterns and location, tracking etc..
Crediito may collect details about your use of the Crediito platform and/or
Service, such as the features used, any activity carried out and the
thereof, the actions taken etc.
Crediito may be required to collect and combine details from and about the
computers, tablets, other devices etc. you may use to access the Crediito
that may be obtained from these devices could include:
Operating system, hardware and software versions, storage space signal
battery level, browser type, plugins, name of mobile operator or ISP,
zone, IP address, connection speed etc.
Network, camera or photos, beacons and mobile phone masts, , data from
stored on devices etc.
Location-related details including your current location through precise
location, IP addresses, GPS location etc.to provide improved usage and for
3. Information Usage
Crediito may use your Information for:
Manage Your Account.
Providing access to the Crediito platform and/or use of the Products and
Send SMS for authenticating operations via One Time Password (OTP) etc.
Conduct survey or analysis of your Account etc.
Develop, test and improve the Crediito platform, testing and
glitches, improving navigation and the facilitation of Products and
4. Information – how it may be shared
Crediito may disclose or share your Information which includes your
Personal Information to enable
providing of Products and Services:
Sharing with NBFC's or credit information
companies Information shared by You may be
disclosed and shared with NBFC and/or credit information companies, as the
case may be, in
order to enable you to avail the Any Time Salary facility.
Disclosure as required by law or to authorities Your
Information may be shared with
authorities such as government/statutory authorities or under court orders;
to establish or
exercise legal rights; to defend against legal claims; or as otherwise
required by law.
Disclosure to third parties including payment gateways
gateways Crediito may be required to
provide, disclose or share Information, that is collected from You to
providers to provide and ensure availability of Products and Services,
payment gateways etc.
Sharing of Information with prospective suitors or acquirers
Information may be required
to be disclosed acquirer, assignee or other successor entity in connection
with a sale, merger,
or reorganization of all or substantially all of the equity or business of
5. Protection of Information
You explicitly agree, represent and warrant that you::
Crediito, on best effort basis shall attempt to take adequate measures to
protect the security
of your Information including Personal Information and to ensure that your
choices for its
intended use are honoured. Crediito takes adequate precautions, on best
effort basis, to
secure and protect your data from loss, misuse, unauthorized access or
or destruction, by using industry standards of physical, technical and
measures although you agree that the same cannot be fool proof since no
security system is
impassable and accordingly Crediito cannot and does not commit or guarantee
Information may be absolutely free from invasion or breach.
Crediito shall not be liable or responsible for any breach of security or
disclosure of your
Information by or for any actions or inactions of the NBFC or any other
third party that
receives your Information.
You are solely responsible for maintaining the confidentiality of your
username and password
and Crediito would, in no circumstances be liable or responsible for any
breach in this regard
Personal Information, upon deletion of your Account, is also generally
deleted unless you
have not repaid the Any Time Salary Facility or the interest accrued thereon
Transaction Fees; the same is required for to comply with any legal
prevention or assistance in any enquiry, for resolving disputes, to protect
to continue to develop and improve Products and Services
6. Mechanism for Grievance Redressal
In accordance with the Information Technology Act, 2000 and Rules made
thereunder, the contact
details for raising grievances, if any are provided below:
Office No. 601, 6 th floor,
United Business Park, Ambika Nagar Road no. 11,