The Privacy Policy covers the practices for handling and securing your Personal Information by EzCred. This Privacy Policy is applicable to persons who purchase any product or services from EzCred through our mobile applications, websites, mobile sites and other online products and services (collectively, the “Services”) and through other interactions and communications you have with us.
EzCred intends to protect the privacy of its users and members on its website being Error! Hyperlink reference not valid. and mobile applications and other online products and services and the privacy of the data provided by them to EzCred from time to time
The privacy of our users, whether they are our former or existing registered user or merely a visitor to our Website or mobile application, is important to us and we are strongly committed to their right to privacy and to keeping their personal and other information secure. We encourage the users to read our privacy statement to understand what types of personally identifiable information we collect and how we use this information.
For the purpose of providing you services, we require you to enroll yourself on our Website/App and get yourself registered.
This information includes the IP address of the device used to connect to EzCred's website along with other information such as browser details, operating system used, the name of the website that redirected the visitor to the EzCred's website, etc. Also, when you browse our site or receive one of our emails, EzCred and our affiliated companies, use cookies and/or pixel tags to collect information and store your online preferences.
We may from time to time add or enhance products/services available on our Website and mobile application. To the extent these products/services are provided to and used by you, we will use the information you provide in this regard to facilitate the products/service requested. For example, if you email us with a question, we will use your email address, name, nature of the question, etc. to respond to your question. We may also store and publish such information to assist us in making the site and mobile application the better and easier to use.
EzCred may have presence on social networking websites including but not limited to LinkedIn, Facebook, Twitter, YouTube and blogs which are promotional and business initiatives to connect to a larger group of people. The domain links contained therein may either direct you to our Website or request your participation by way of feedback, suggestions. EzCred in this regard fully disclaims any liability(ies) or claim(s), which may arise by use/misuse of your feedback, suggestions, views, etc. on any of the aforementioned networking websites or blogs, by any third party whether or not known to EzCred.
EzCred may have presence on social networking websites including but not limited to LinkedIn, Facebook, Twitter, YouTube and blogs which are promotional and business initiatives to connect to a larger group of people. The domain links contained therein may either direct you to our Website or request your participation by way of feedback, suggestions. EzCred in this regard fully disclaims any liability(ies) or claim(s), which may arise by use/misuse of your feedback, suggestions, views, etc. on any of the aforementioned networking websites or blogs, by any third party whether or not known to EzCred.
Device & App history: We need your device permission to get information about your device, like OS name, OS version, mobile network, hardware model, preferred language, installed apps etc. Based on these inputs, we intend to optimize your overall experience by understanding your preferences and by using OS specific capabilities
Identity This permission enables us to know about details of your account(s) on your mobile device. We use this info to auto-fill your email ID’s and provide a typing free in-funnel experience. It also allows facilitating your Facebook login.
Contacts: If you allow us to access your contacts, it enables us to make it easy to get referred by your friends and also send across referral links to your friends. This information will be stored on our servers and synced from your phone.
Location:This permission enables us to provide you a personalized experience based on your location. When you plan to make an EMI payment using a nearby collection outlet, we auto-detect your location and suggest you the nearest outlet. This permission also enables us to know more about your popular hanging out areas and factor those in our algorithm.
SMS: If you allow us to access your SMS, we read your SMS to autofill and verify the OTP used to validate your mobile number when creating an account with EzCred - this provides you a seamless experience during that process. We also collect your SMS data to analyze the data around specific financial transactions for statistical analysis or for credit rating.
Phone: The app requires access to make phone calls so that you can make phone calls to our customer contact center directly through the app. This permission also enables us to understand more about your social interactions and factor that in our credit scoring algorithm.
Photos/Media/Files: The libraries in the app use these permissions to make it easy for you to upload existing pictures from the gallery or save newly clicked photos for document submission.
Camera: This permission enables us to make it easy for you to click the picture of necessary documents for online submission.
Wi-Fi connection information: When you allow us the permission to detect your Wi-Fi connection, we optimize your experience based on the connection speed.
Device ID & Call information: This permission is used to detect your Android ID through which we can uniquely identify users.
Any information share by you is used by us and/or authorized third parties/service partners to support your interaction with us, to offer you services in the best possible manner and to contact you again about other services and products that we offer. By submitting your Personal Information to EzCred, you expressly acknowledge and consent to EzCred to use such information and to process the same in a manner deemed fit by EzCred. This may involve conducting data analysis, research based on reviews about deals, transfer of your Personal Information to third party experts for the purpose of outsourcing services offered to you by EzCred, etc.
EzCred is committed to protecting the privacy and the confidentiality of your Personal Information. Whenever EzCred obtains Personal Information from you, our Website uses commercially reasonable efforts and general industry standards to protect it from any unauthorized access or disclosure. Access to your Personal Information is limited to EzCred’s personnel and such authorized third parties who may host your data on our behalf or may assist us in providing the products and services requested by you. EzCred uses its best endeavors to maintain physical, electronic and procedural safeguards that aim to protect your information against loss, misuse, damage, modification, and unauthorized access or disclosure. However, EzCred assumes no liability whatsoever for any disclosure of Personal Information due to unauthorized third party access or other acts of third parties, or any other acts or omissions beyond reasonable control of EzCred.
EzCred is committed to protecting the privacy and the confidentiality of your Personal Information. Whenever EzCred obtains Personal Information from you, our Website uses commercially reasonable efforts and general industry standards to protect it from any unauthorized access or disclosure. Access to your Personal Information is limited to EzCred’s personnel and such authorized third parties who may host your data on our behalf or may assist us in providing the products and services requested by you. EzCred uses its best endeavors to maintain physical, electronic and procedural safeguards that aim to protect your information against loss, misuse, damage, modification, and unauthorized access or disclosure. However, EzCred assumes no liability whatsoever for any disclosure of Personal Information due to unauthorized third party access or other acts of third parties, or any other acts or omissions beyond reasonable control of EzCred.
EzCred makes every reasonable effort to preserve the privacy and confidentiality of your information shared with us. We implement standard measures to protect against unauthorized access to and unlawful interception of Personal Information. However, no Internet site can fully eliminate security risks. We reserve the right to disclose information shared by you without your consent (express or implied) and without any liabilities to you when required or permitted by law and we have a good-faith belief that (i) such action is necessary to comply with an appropriate law enforcement investigation, current judicial proceeding, a court order or legal process served on us or (ii) to conform to the legal requirements, compliance/reporting to administrative and judicial authorities, as may be required (iii) protect and defend the rights or property of the website owners of EzCred, or the users of EzCred, (iv) person(s) or company (ies) who provide certain support services to us, and (v) person(s) or company (ies) who share certain responsibilities/obligations of EzCred. Further, we reserve the right to disclose information shared by you without your consent with entities engaged in providing the credit scores or credit information related services like CIBIL, etc.
Most mobile platforms (iOS, Android, etc.) have defined certain types of device data that apps cannot access without your consent. And these platforms have different permission systems for obtaining your consent. The iOS platform will alert you the first time the EzCred app wants permission to access certain types of data and will let you consent (or not consent) to that request. Android devices will notify you of the permissions that the EzCred app seeks before you first use the app, and your use of the app constitutes your consent. Sometimes these permissions require more explanation than the platforms themselves provide, and the permissions we request will change over time, so we’ve created these pages to serve as authoritative and up-to-date resources for our users.
If you would like to: access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information, please contact us at support@EzCred.in. EzCred will respond to all reasonable concerns or inquiries.
By accessing our Website or mobile application (or both) and using them on a continued basis, you expressly consent and confirm to EzCred collecting, maintaining, using, processing and disclosing your Personal and other Information in accordance with this Privacy Policy.
In accordance with the relevant provisions of the Information Technology Act, 2000 and Rules made thereunder, the name and contact details of the Grievance Officer who can be contacted with respect to any complaints or concerns including those pertaining to breach of EzCred’s Terms of Use, Privacy Policy and other polices or questions are published as under: