Privacy Policy

This Privacy Policy explains how Credora Technologies OPC Pvt Ltd (“Credora”, “we”, “us”, “our”) collects, uses, discloses, and safeguards information when you use our websites, platforms, and services (collectively, the “Services”). By using the Services, you consent to the practices described in this Policy. This Policy is published in accordance with the Information Technology Act, 2000, the rules thereunder, and the Digital Personal Data Protection Act, 2023, to the extent applicable.

1. Information We Collect

We may collect the following categories of information:

• Identity & contact data — name, email address, phone number, and similar identifiers you provide.
• Account data — credentials, preferences, and profile information.
• Transaction data — records of services requested and payments made.
• Technical data — IP address, device and browser type, operating system, and usage analytics.
• Communications — correspondence you send to us, including support requests.

2. How We Use Your Information

We use the information we collect to:

• provide, operate, maintain, and improve the Services;
• authenticate users and secure accounts;
• process transactions and send related information;
• respond to enquiries and provide customer support;
• detect, prevent, and address fraud, security, or technical issues;
• comply with legal obligations and enforce our Terms & Conditions.

3. Basis for Processing

We process personal data on the basis of your consent, the performance of a contract with you, our legitimate interests in operating and securing the Services, and compliance with applicable law. You may withdraw consent at any time by contacting support@credora.info, though this may limit your ability to use certain Services.

4. How We Share Information

We do not sell your personal data. We may share information with:

• Service providers who perform functions on our behalf (e.g. hosting, analytics, payment processing) under confidentiality obligations;
• Legal and regulatory authorities where required by law, court order, or to protect our rights, safety, or property;
• Successors in connection with a merger, acquisition, or reorganisation.

5. Cookies & Tracking

We use cookies and similar technologies to operate the Services, remember preferences, and analyse usage. You can control cookies through your browser settings; disabling them may affect functionality.

6. Data Security

We implement reasonable technical and organisational security measures designed to protect your information. However, no method of transmission or storage is completely secure. To the maximum extent permitted by law, Credora shall bear zero liability for any unauthorised access, loss, misuse, alteration, or disclosure of information arising from factors beyond our reasonable control, and you acknowledge that you provide information at your own risk.

7. Data Retention

We retain personal data only for as long as necessary to fulfil the purposes set out in this Policy, to comply with legal, accounting, or reporting obligations, or to resolve disputes.

8. Your Rights

Subject to applicable law, you may have the right to access, correct, update, or request deletion of your personal data, and to withdraw consent. To exercise these rights, contact support@credora.info. We may require verification of your identity before acting on a request.

9. Children’s Privacy

The Services are not directed at individuals under 18. We do not knowingly collect personal data from minors without verifiable parental or guardian consent.

10. Third-Party Links

The Services may contain links to third-party websites or services. We are not responsible for the privacy practices of such third parties, and this Policy does not apply to them.

11. Changes to This Policy

We may update this Policy from time to time. The revised version will be posted here with an updated “Last updated” date, and your continued use of the Services constitutes acceptance of the changes.

12. Grievance & Contact

For any questions, requests, or grievances relating to this Privacy Policy or your personal data, please contact our Grievance Officer at support@credora.info. We will endeavour to address valid grievances within the timelines prescribed under applicable law.