Last Modified: August 28, 2022
By providing your number at www.SalaryCredits.com you are authorizing SalaryCredits.com & it's representatives to give you a call to offer you our services for the product you have opted for, imparting product knowledge, offering promotional offers running on website & offers offered by our partner banks. Irrespective of the fact that you have registered yourself under DND or DNC service, you are still authorizing SalaryCredits.com & its representatives to give you a call for the above mentioned purposes of leaving your number on our website. Also based on your active option you are open to receiving promotional offers from SalaryCredits.com & our partner banks. Hence, there is no DNC check required for the number you have left on our website.
SalaryCredits.com is committed to maintaining the confidentiality, integrity and security of all the personal information of our users. This Privacy & Security Policy explains how we protect personal information provided through our websites such as www.SalaryCredits.com & our other co-branded sites and how we use that information in connection with our service offered through the Site (the "Service"). "Personal information" for purposes of this Policy means information that identifies you, such as your name, address, phone number or email address.
SalaryCredits.com applies high privacy and security standards to protect your personal information. We regularly re-evaluate our policies and adapt them as necessary to deal with new challenges.
Your personal information will never be sold we will not sell or rent your personal information to anyone, for any reason, at any time. SalaryCredits.com uses and discloses your personal information only as follows:
To analyze usage of the site and to improve the Service;
To send you any administrative notices, offer alerts and communications relevant to your use of the Service;
To enable you to apply for certain products and services for which you have chosen to apply;
for market research, project planning, troubleshooting issues, detecting and protecting against error, fraud or other criminal activity;
to third-party contractors that provide services to SalaryCredits.com and are bound by these same privacy restrictions;
In the event that you access the Service as brought to you by one of our co-brand partners, through a co-branded URL, your name, mail address, mobile number, date of birth, employment type, residency status, details of loan applied for and loan status may be provided to that co-brand partner when your application is submitted and whenever the status of application is updated. SalaryCredits.com has a business relationship with these co-brand partners and you may not opt-out of sharing your information with these co-brand partners if you have applied via a co-branded URL.
During the application process, you shall be required to share/upload certain personal information, your name, e-mail address, gender, date of birth, mobile number, passwords, photograph, mobile phone information including contact numbers, SMS, Phonebook, financial information such as salary slips, bank statements, PAN card, bank account no., data from Credit Information Companies, data required for Know Your Customer (KYC) compliances, requirement and other relevant details ("Personal Information"). You undertake that you shall be solely responsible for the accuracy and truthfulness of the Personal Information you share with us.
Certain areas and features of SalaryCredits.com are available to you without the need to provide to us any information. However, other features of the Site or the Service such as applying for a loan will require providing SalaryCredits.com with details such as your name, email address, address, mobile #, PAN #, employment, photograph & income details, personally identifying information about a potential co- loan applicant (should you select this option), password and to participate on our forum boards, a username (collectively the "Registration Information").
From time to time we may request more personal information in order to provide you with other benefits of the Service. In such instances, you will always be given the opportunity to provide or to decline to provide that information, and it will be used only for the stated purpose. SalaryCredits.com may make anonymous or aggregate personal information and disclose such data only in a non-personally identifiable manner to:
Third parties for their marketing and promotional purposes, such as the number of users who applied for a loan;
Users of the Service for the purpose of comparing of their personal financial situation relative to the broader community
Such information does not identify you individually. Access to your Registration Information, Account Information and any other personal information you provide is strictly restricted and used only in accordance with specific internal procedures and safeguards governing access, in order to operate, develop or improve the Service. We may also use third party service providers to help us provide the Service to you, such as sending e-mail messages on our behalf or hosting and operating a particular feature or functionality of the Service. Our contracts with these third parties outline the appropriate use and handling of your information and prohibit them from using any of your personal information for purposes unrelated to the product or service they're providing. We require such third parties to maintain the confidentiality of the information we provide to them.
We store and process your personal data only in India, in accordance with RBI in respect of lending facility. Your personal data is totally safe & secure with us.
Any Personal Data that we have access to shall never be shared with anyone without your consent. In our product offerings we always seek your explicit consent to use/share your Personal Data. In our business and operational process, we only share the data on partial and "need-to-know" basis to designated partners or service providers.
We use your Personal Data in our business/banking activities our or our partners products/services as the following. To facilitate loans and advances. To download and send account statement.To check the process your applications submitted to us for banking services or request received from you in respect of these services To share updates and promotional offers with you.
If your Registration Information provided when you applied for a product on Sites changes, you may update it whenever you apply for a new product such as a loan via the Service. To review and update your personal information to ensure it is accurate while your application is in process, contact us at email@example.com. You will not be able to update the information you have provided in an application after a decision has already been made on it; however you may create and submit a new application with your updated information.
We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at firstname.lastname@example.org. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Session information is only used to improve your experience on the site.
When you visit SalaryCredits.com.in, we may collect technical and navigational information, such as operating system type, browser type, IP address, pages visited, and average time spent on our Site. This information may be used, for example, to alert you to potential software compatibility issues, or it may be analyzed to improve the Site. "Cookies" are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer's hard drive. SalaryCredits.com may set and access cookies on your computer to track and store preferential information about you. For example, SalaryCredits.com may assign a cookie to you, to enable you to adjust your loan search preferences without needing to re-enter your information. Please note that almost all Internet browsers will allow you to delete cookies stored on your computer and to stop cookies from being stored on your computer. If you choose to eliminate cookies, the full functionality of the Service will be impaired for you.
Web beacons are images embedded in a Web page or email for the purpose of measuring and analyzing site usage and activity. SalaryCredits.com, or third party service providers acting on our behalf, may use Web beacons to help us study Site usage and improve the Service.
There are a number of products and services, such as loans, credit cards & insurance, offered by third parties on our Site, such as lenders, banks, credit card issuers, insurers and brokerage institutions (collectively, "SalaryCredits.com Offers"). If you choose to apply for these separate products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies. You should evaluate the practices of these external services providers before deciding to use their services. SalaryCredits.com is not responsible for their privacy practices.
With your consent we may post your testimonial along with your name. If you want your testimonial removed please contact us at email@example.com.
If you use a blog or other public forum on our Site, any information you submit there can be read, collected or used by other users and could be used to send you unsolicited messages. We are not responsible for the personal information you choose to submit in these forums. These forums may be hosted by SalaryCredits.com or by one of our third party service providers on SalaryCredits.com behalf. To request removal of your personal information from our blog or community forum, contact us at firstname.lastname@example.org. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
Facebook, Twitter, & Other Social Networking Media You can link to our site using social networking services such as Facebook & Twitter. These services will authenticate your identity and provide you the option to share certain personal information with us such as your sign-in information, name and email address to link between the sites. Social networking media services like Facebook & Twitter give you the option to post information about your activities on this Web site to your profile page to share with others within your network.
Like Button If you use the "Like" button to share something that item will appear on your Facebook profile page and also on your friends' newsfeed, depending on your Facebook privacy settings. You may also receive updates in your Facebook newsfeed from this site or item in the future. Facebook also collects information such as which pages you have visited on this and other sites that have implemented the "Like" button.
Not with standing the foregoing, SalaryCredits.com reserves the right (and you authorize SalaryCredits.com) to share or disclose your personal information when SalaryCredits.com determines, in its sole discretion, that the disclosure of such information is necessary or appropriate:
• As required by law, such as to comply with a subpoena, or similar legal process • When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request, if SalaryCredits.com is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information, • To any other third party with your prior consent to do so. Email & SMS communications from us we provide our registered customers with periodic mailers and email/SMS alerts. We also allow users to subscribe to email newsletters and from time to time may transmit emails promoting SalaryCredits.com or third-party goods or services. SalaryCredits.com subscribers may opt-out of receiving our promotional emails and terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails/SMS, such as email/SMS alerts.
We use a combination of firewalls, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect SalaryCredits.com accounts and systems from unauthorized access.
When you register for the Service, SalaryCredits.com requires a password from you for your privacy and security. SalaryCredits.com transmits information such as your Registration Information for SalaryCredits.com or Account Credentials securely.
Our servers are in secure facilities where access requires multiple levels of authentication, including an identity card and biometrics recognition procedures. Security personnel monitor the facilities 7 days a week, 24 hours a day.
Our databases are protected from general employee access both physically and logically. We encrypt your Service password so that your password cannot be recovered, even by us. All backup drives and tapes also are encrypted.
We enforce physical access controls to our buildings. No employee may put any sensitive content on any insecure machine (i.e., nothing can be taken from the database and put on an insecure laptop)
SalaryCredits.com has been verified for its use of SSL encryption technologies and audited by GODADDY for its privacy practices.
However, it is important to understand that these precautions apply only to our Site and systems.
All communications between your computer and SalaryCredits.com that contain any personal information are encrypted. This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery.
If you have any security related concern, please contact us at email@example.com. We will work closely with you to ensure a rapid and personal response to your concerns.
Contacts: In order to offer you the best experience and operate properly SalaryCredits reads phonebook data and ask user to select only two contacts for personal references as part of loan agreement process. SalaryCredits does not store or share any user sensitive data with third party.
Camera: SalaryCredits ask user to upload profile picture as part of loan application process.
File Storage Access: SalaryCredits ask for access of file storage to download NOC or loan account statement.
If you have questions, comments, concerns or feedback regarding this Privacy and Security Policy or any other privacy or security concern, send an e-mail to firstname.lastname@example.org