Privacy Policy

We at MOGLI LABS PRIVATE LIMITED (hereinafter referred to as “Credlix”) value our users and are committed to safeguarding our users’ privacy. This Privacy policy (the “Policy”) is applicable to our website, domain name, page, URL and/or any other such features and/or media using the domain name www.credlix.com or any other name as may be informed by the Credlix to the Users. The Policy does not apply to any website(s), mobile sites and mobile apps of third parties, even if their websites/products are linked to our website. The terms ‘We’, ‘Us’, ‘Our’ refer to the Credlix and ‘You’, ‘Your’ refer to the Users of the website. We have provided this Privacy Policy to familiarize You with the manner in which Credlix collects, uses, stores and discloses Your information collected through the website.

Before you subscribe to and/or begin participating in or using website, Credlix believes that You have fully read, understood and accept the terms and conditions of this privacy policy.

The Policy applies to all information that Credlix has about You and Your account. If you do not agree to or wish to be bound by the terms and conditions of this privacy policy, please do not proceed further to use this website.This Policy should be at all times read along with the Terms of Use of the Website. This Policy is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 read with Rule 4 of the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 that require publishing the rules and regulations, privacy policy for access or usage of the website.

TYPE OF INFORMATION AND MANNER OF COLLECTION OF INFORMATION

The information collected by us can be categorized into the types delineated below:

Personal Information:

Credlix collects personal information, including sensitive personal data and information (collectively,“Information”), from the users, when you voluntarily register your account and submit such information on the Website for the purposes of subscribing and availing the services available therein or at other specific instances when Credlix deems it necessary and requests users to provide the Information. Information shall include, but will not be limited to, the following:

  • NAME OF THE USER
  • DATE OF BIRTH
  • GENDER
  • ADDRESS
  • TELEPHONE NUMBER
  • E-MAIL ADDRESS
  • PASSWORD(S)
  • FINANCIAL INFORMATION IN THE NATURE OF BANK ACCOUNT, CREDIT CARD, DEBIT CARD OR
  • OTHER PAYMENT INSTRUMENT DETAILS
Other information:

In addition to the information stipulated above we may trace, collect and store information pertaining to Your activity on the Website including log files, searches, pages, interactions and messages, date and time of usage and device information including Your IP (Internet Protocol) address, geographical location, browser, operating system etc. using cookies and other tracking tools and technologies so as to analyse Your usage patterns and behaviours and develop an understanding of Your needs and preferences to customize our Website, features, and services accordingly. The aforesaid information is collected when You use and interact with our Website. The above information may be collected and analyzed by use of technologies such as cookies, web beacons, log data and third-party analytics.

You can always choose not to provide information and in such cases, if the information required is classified as mandatory, You will not be able to avail of that part of the Services, features or content.

You can add or update Your Personal Information on a regular basis. When You update information, Credlix will keep a copy of the prior version for its records. Credlix’s primary goal in collecting information is to provide the user with a customized experience and services on our websites. This includes financial services and other services. Credlix collects Your Information in order to record, support and facilitate Your participation in the services You select, track Your preferences, to notify You of any updated information and new activities and other related functions offered by Credlix, keep You informed about latest products and services of Credlix, to provide You with a customized Website experience, to assist You with customer service or technical support issues, to follow up with You after Your visit, to otherwise support Your relationship with Credlix or to prevent fraud and unlawful use.

Promotions that run on our website may be sponsored by companies other than Credlix or may be co- sponsored by Credlix and another company. We use third-party service providers to serve ads on our behalf across the internet and sometimes on the Website. They may collect information about Your visits to our Website. Credlix uses the log file which includes but not limited to internet protocol (IP) addresses, browser software, number of clicks, number of unique visitors, internet service provider,  exit/referring pages, type of platform, date/time stamp, screen resolution etc. for analysis that helps us provide you improved user experience and services.

We use them to administer the site, track a user’s movement and gather broad demographic information for aggregate use. Once a user registers, he/she is no longer anonymous to Credlix and it is deemed that the user has given Credlix the right to use the personal & non personal information. Please note our website is also not a risks proof website.

The various stages at which Your information shall be collected and stored by us include:
i. When You register and create an account on the Website.
ii. When You create and manage Your profile including modifications and alterations thereof.
iii. When You sign up for receiving communications.
iv. When You participate in any surveys, contests, and promotions.
v. When You communicate with and contact our customer services.

PURPOSE OF COLLECTION AND USAGE OF INFORMATION

The information collected by Us is used for the following purposes:
1. Offer information on the products and services available or availed on Credlix
2. Keep you informed of the current requests
3. Send any updates or changes for your requests
4. Request for product or service reviews
5. Send verification message(s) or emails
6. Validate/authenticate your account to prevent any misuse or abuse
7. To improve customer service, and personalize user experience
8. To send periodic emails
9. To provide you information regarding services including promotional offers, special sales, events
or surveys.
10. To Provide customer support and promptly respond to and resolve Your queries, complaints, and
grievances, if any.
We may contact you via SMS, Email, Whatsapp, or any other messaging service for several
reasons, in connection with services mentioned on the website.

DISCLOSURE OF INFORMATION

As a general rule, Credlix will not disclose or share any of the user’s personally identifiable information except when Credlix has the user’s permission or under special circumstances, such as when Credlix believes in good faith that the law requires it or as permitted in terms of this policy. Credlix does not sell, trade or rent Your Data.

  • The information collected by us shall not in any manner be disclosed to any unaffiliated third-
    party. We may, however, disclose Your information to our domestic or international affiliates,
    subsidiaries, joint venture partners, licensees, and representatives, solely for the purposes
    stipulated in this Privacy Policy.
  • We may work with and outsource certain services to third-party service providers so as to enable
    us to provide our products and services more efficiently. The outsourced services may include
    without limitation a) Website development and maintenance b) hosting c) backup and storage d)
    payment processing e) analysis f) customer database management g) direct marketing and data
    collection h) providing customer services by phone i) and such other services in order to
    maximize our business.
  • In pursuance of the aforementioned outsourcing, we may disclose Your information to such third-
    party service providers. We shall ensure the protection and confidentiality of the information
    provided to such service providers by apprising them of their confidentiality obligations
    pertaining to the information.
  • In the event of a transfer of our business, undertaking or assets, whether in whole or in part as a
    result of a merger, acquisition, restructuring, reorganization or otherwise Your information may
    be disclosed to the transferee to the extent of such transfer, and we shall make reasonable efforts
    to protect Your information in accordance with our Privacy Policy.
  • In the event of a transfer of our business, undertaking or assets, whether in whole or in part as a
    result of a merger, acquisition, restructuring, reorganization or otherwise Your information may
    be disclosed to the transferee to the extent of such transfer, and we shall make reasonable efforts
    to protect Your information in accordance with our Privacy Policy.
  • To Secure our systems
  • For regulatory, internal Compliance and audit exercise.
LINKS TO THIRD PARTY / WEB SITES

Links to third party sites are provided by website as a convenience to user(s) and Credlix has not have any control over such sites i.e. content and resources provided by them. Credlix may allow user(s) access to content, products or services offered by third parties through hyper links (in the form of word link, banners, channels or otherwise) to such Third Party’s web site. You are cautioned to read such sites’ terms and conditions and/or privacy policies before using such sites in order to be aware of the terms and conditions of your use of such sites. Credlix believes that user(s) acknowledge that Credlix has no control over such third party’s site, does not monitor such sites, and Credlix shall not be responsible or liable to anyone for such third party site, or any content, products or services made available on such a site.

PROTECTION OF INFORMATION

Credlix takes necessary steps, within its limits of commercial viability and necessity, to ensure that the user’s information is treated secure. We request our users to sign out of their Credlix account and close their browser window when they have finished their work. This is to ensure that others cannot access their personal or business information and correspondence if the user shares the computer with someone else or is using a computer in a public place. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while Credlix strives to protect the user’s personal & business information, it cannot ensure the security of any information transmitted to Credlix and you do so at your own risk. Once Credlix

receives your transmission, it makes best efforts to ensure its security in its systems. Please keep in mind that whenever you post personal & business information online, that is accessible to the public, you may receive unsolicited messages from other parties. Credlix is not responsible for any breach of security or for any actions of any third parties that receive Your Information. The Website is also linked to many other sites and we are not/shall be not responsible for their privacy policies or practices as it is beyond our control. We use our best endeavors to protect and secure Your information, transmission of information over the internet and wireless connections is never completely secure and we do not guarantee the protection of Your information over such transmission or in the event of any external breach beyond our control. We do not collect Your personal information unless it is voluntarily provided by You and You are solely responsible for the accuracy and authenticity of the information provided or submitted by You and we donot bear any responsibility for the same.

HOW LONG DO WE KEEP THE INFORMATION / RETENTION

Your information is retained by us to the extent it may be required to comply with any legal obligations, fraud prevention, enforcing agreements, protection of the Website and the users and for improving our services and business.

DISTRIBUTION OF INFORMATION

Credlix may, from time to time, send its users emails regarding its products and services. Credlix constantly tries and improves the website for better efficiency, more relevancy, innovative business matchmaking and better personal preferences. Credlix may allow direct mails using its own scripts (without disclosing the email address) with respect/pertaining to the products and services of third parties that it feels may be of interest to the user or if the user has shown interest in the same.

CHANGES IN PRIVACY POLICY

The policy may change from time to time so please check periodically. The revised Policy shall be made available on the Website. Your continued use of the Website, following changes to the Policy, will constitute your acceptance of those changes. Any disputes arising under this Policy shall be governed by the laws of India. The Courts of New Delhi shall have the exclusive jurisdiction to try and entertain any dispute pertaining to this Policy.

RIGHTS OF CREDLIX

Credlix reserves the right to disable access to its Services in the event of Your violation of any Applicable Law including but not limited to any other reason in relation to the safe and secure operation of the Platforms. Credlix has the right to modify, suspend or terminate all or part of the Services including its features, structure and layout, and/or suspend or deactivate, whether temporarily or permanently, Your access to the Platforms, at any time, without any prior notice. Credlix shall endeavor to provide You an advance notice, without any obligation to do so, of any deactivation of the Platforms for the purposes of upgradation, testing or any other reason as Credlix may deem fit. Credlix shall use best efforts to rectify any disruption of or error on the Platforms and restore regular operations of the Platforms.

WITHDRAWAL OF CONSENT AND PERMISSION

You may withdraw your consent to submit any or all Personal Information or decline to provide any permissions on its website as covered above at any time. In case, you choose to do so then your access to the website may be limited, or we might not be able to provide the services to you. You may withdraw your consent by sending an email to: care@credlix.com.

GRIEVANCES

In case of any grievance regarding use of your Information, you may contact Mr. Anil Verma at: anil.verma@credlix.com.

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