As we update, improve and expand the OkCredit App Service, this policy may change, so please refer back to it periodically. By accessing the website, OkCredit mobile application (hereinafter referred to as “OkCredit App” or “App”) or otherwise using the OkCredit App Services, you consent to collection, storage, and use of the personal information you provide (including any changes thereto as provided by you) for any of the services that we offer.
The Company respects the privacy of the users of the OkCredit App Services and is committed to reasonably protect it in all respects. The information about the user as collected by the Company is: (a) information supplied by users and (b) information automatically tracked while using a mobile device having OkCredit App Services enabled (collectively referred to as Information).
Information supplied by users
To avail certain services on the OkCredit App, users are required to provide certain personally identifiable information for the registration process which may include:- a) your name, b) email address, c) phone number, d) business entity information and any other such information as required. The Information as supplied by the users enables us to improve the OkCredit App Services and provide you the most user-friendly experience. In some cases/provision of certain service(s) or utility(ies), we may require your contact address as well.
All required information is service dependent and the Company may use the above said user Information to, maintain, protect, and improve the OkCredit App Services and for developing new services. We may also use your phone number, email address or other personally identifiable information to send commercial or marketing messages without your consent [with an option to subscribe / unsubscribe (where feasible)]. We may, however, use your email address and phone number without further consent for non-marketing or administrative purposes (such as notifying you of major changes, for customer service purposes, providing information about updates to OkCredit App Services, billing, etc.).
In case you choose to decline to submit personally identifiable information on the OkCredit App/Site, we may not be able to provide certain services on the App/Site to you. We will make reasonable efforts to notify you of the same at the appropriate time. In any case, we will not be liable and or responsible for the denial of certain services to you for lack of you providing the necessary personal information.
When you register with the OkCredit App Services, we may contact you from time to time about updation of your personal information to provide the users such features that we believe may benefit/interest you.
Information automatically tracked while using the app or site
Credit/Payment Records: We store all your credit/payment records in a cloud-based environment using the services of 3rd party infrastructure service providers.
Customer Information: We store the contact information of your customers. We also keep a log of all the credit/payment related communication to the customers.
Demographic and Related Information: We may reference other sources of demographic and other information in order to provide you with more targeted communications and promotions. We use Google Analytics, among others, to track the user behaviour on our website.
Log File Information: Our Servers automatically collect limited information about your device’s connection to the Internet, including your IP address, when you visit our Site or use the App. We automatically receive and log information from the App and/or your browser including but not limited to IP address, your device or computer’s name, and your operating system, We may also collect log information from your device, including but not limited to your location, IP address, your device’s name, device’s serial number or unique identification number (e.g. UDID on your iOS device, Android ID or ADID on your Android Device), your device operating system, browser type and version, CPU speed, and connection speed etc.
Cookies: To improve the responsiveness of the Site for our users, we may use “cookies”, or similar electronic tools to collect information to assign each visitor a unique, random number as a User Identification (User ID) to understand the user’s individual interests using the identified computer. Our partners may also assign their own cookies to your browser, a process that we do not control.
Link to third party sites/ad-servers
The Company may share the sensitive personal information with any third party without obtaining the prior consent of the User in the following limited circumstances:
- When it is requested or required by law or by any court or governmental agency or authority to disclose, for the purpose of verification of identity, or for the prevention, detection, investigation including cyber incidents, or for prosecution and punishment of offences. These disclosures are made in good faith and belief that such disclosure is reasonably necessary for enforcing these Terms or for complying with the applicable laws and regulations.
- No personally identifiable data of an individual user such as name, phone number, email address, spends data, card details etc. would be shared with any other User and/or third party – unless explicitly approved by the concerned individual user himself/herself. However, if this conflicts with conditions mentioned in the immediate point above, this condition would become null and void.
The Company may also present information related to credit records, user spends, patterns and user data tracked by the company only in the form of aggregated statistics on data such as overall app usage by date, time, balances, etc. within our app/site or to our partners.
Accessing and updating personal information
When you use the OkCredit App Services Site (or any of its sub sites), we make good faith efforts to provide you, as and when requested by you, with access to your personal information and shall further ensure that any personal information or sensitive personal data or information found to be inaccurate or deficient shall be corrected or amended as feasible, subject to any requirement for such personal information or sensitive personal data or information to be retained by law or for legitimate business purposes. We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup tapes), or for which access is not otherwise required. In any case, where we provide information access and correction, we perform this service free of charge, except if doing so would require a disproportionate effort. Because of the way we maintain certain services, after you delete your information, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems.
Information storage and backup
From time to time, we take backup of your data on OkCredit App on our Cloud database. This is done for the purpose of enabling users to get their data back in case their phone’s data becomes unusable, or phone gets lost, or the user moves to a new phone device. We also use this backup to provide useful insights and information related to their spends such as weekly spends in a month, insights related to spend behaviour, etc., and to provide information related to user spends, patterns and user data in the form of aggregated and anonymized statistics on data such as user spends by category, date, time, bank balances, etc.
We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorized access to systems where we store personal data. All information gathered on the OkCredit App is securely stored within the controlled database. Access to the servers is password-protected and is strictly limited.
In the event you have any grievance relating to the processing of information provided by you, you may contact our Grievance Department, at email@example.com or write to us at the following address:
Psi Phi Global Solutions Pvt. Ltd.,
#3D-3, NIT Faridabad,