Last Updated: January 2025
The Credit Circle (Capex Credit Circle Private Limited), Registered Office situated at B4/174A, Lawrence Road, Keshav Puram, Delhi North West DL 110035 IN ("we" or "us" or "our" or the "Company") respects the privacy of its members ("you" or "your") and has developed this Privacy Policy to demonstrate its commitment to protecting your privacy. This Privacy Policy describes the information we collect, how that information may be used, with whom it may be shared, and your choices about such uses and disclosures.
You must read this Privacy Policy carefully when using the DLTA OS platform or transacting with us. By using the Website/Mobile App or availing the services provided by us ("Service"), you are accepting the practices described in this Privacy Policy. If you see an undefined term in this Privacy Policy, it has the same definition as outlined in the Terms and Conditions of Use, which you may access at: https://thecreditcircle.in/terms-and-conditions
We may collect Personal Information, including Sensitive Data, and other information. "Personal Information" means individually identifiable information that would allow us to determine the actual identity of, and contact, a specific living person. "Sensitive Data" includes name, address, mailing address, telephone number, email ID, credit/debit card number, cardholder name, card expiration date, information about your mobile phone and any details that may have been voluntarily provided by you in connection with availing the Services.
The Company is the sole owner of the information collected through the Website or Mobile App or Digital Lending Application or other platforms. We may collect and process Personal Information from you, including but not limited to the following:
Every computer/mobile device connected to the internet is given a domain name and IP address. When you request a page from our Website, our web servers automatically recognize your domain name and IP address. The domain name and IP address reveal nothing personal about you other than the IP address from which you have accessed the Website.
You may choose either: (i) not to provide the information requisitioned by the Company or (ii) cancel your communication that you have elected to receive from the Company in relation to the information you have already shared.
You may opt to connect your email account to The Credit Circle platform. Subject to your explicit consent, we may access your emails to extract bank statements for processing your loan application. We shall only access emails from your bank(s) communicating statements of your account. Under no circumstances shall we access personal messages/emails. You can revoke this consent at any time by writing to connect@thecreditcircle.in
Our primary goal in collecting information is to provide you a platform to render our Services. We may use your personal information in the following ways:
Information collected from you may be transferred to a third party(ies) as a result of a sale or acquisition, merger or bankruptcy involving the Company.
Cookies are small portions of information saved by your browser onto your computer/mobile. Cookies are used to record various aspects of your visit and assist us to provide you with uninterrupted service. We do not use cookies to save personal information for unauthorized uses.
We may share aggregated demographic information with our partners or affiliates. This is not linked to any personal information that can identify an individual person. We will not be liable for transfer of any personal identification information resulting from loss, distribution of data, corruption of media, power failures, natural phenomena, riots, vandalism, sabotage, terrorism or any other event beyond our control.
We may partner with other parties to provide specific portions of the Services. When necessary, we will share names or other Personal Information required for the third party to provide these Services.
We may send you offers on behalf of other businesses. When we do this, we do not give that business your name, address and service details. You may request us to adjust your preferences if you do not want to receive such offers.
If your Personal Information or Sensitive Data changes, you may correct, delete inaccuracies, or amend information by making the change on our member information page or by contacting us through the email address mentioned on our Website. We will make good faith efforts to make requested changes in our databases as soon as reasonably practicable.
We pledge that we will not sell or rent your personal details to anyone. Your personal information will be protected and maintained strictly confidential, except in the following cases:
We take the security of your information very seriously. We use several security techniques including secure servers, firewalls, encryption, and physical safeguards. We have appropriate administrative, technical, and physical security measures to protect your personal data against accidental, unauthorized or unlawful loss, destruction, damage, alteration, access, disclosure or use.
When we collect payment card details electronically, we use encryption by using Secure Socket Layer (SSL) coding. While we cannot guarantee 100% security, we make it hard for hackers to decrypt your details.
Information collected from you may be transferred to, stored and processed at any destination within and/or outside India. By submitting information to us, you agree to this transfer, storing and/or processing.
In the event we become aware of any breach of security of your information, we will promptly notify you and take appropriate action to remedy such breach.
This Privacy Policy does not apply to any unsolicited information provided by you through this Website. All such unsolicited information shall be deemed non-confidential and we will be free to use and disclose such information without limitation.
We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. We will continue to retain information provided by you until you specifically request us to destroy such information.
Upon initial communication from us, you may opt-out of receiving further communications from us. To be completely removed from our mailing list, you may contact us at connect@thecreditcircle.in
The Website may contain links to other sites. Please be aware that we are not responsible for the privacy practices of such other sites. We encourage you to read the privacy policies of each website that collects personally identifiable information.
The Website includes social media features and widgets. These features may collect your IP address and set a Cookie. Your interactions with these features are governed by the privacy policy of the entity providing it.
We may update this Privacy Policy at any time, with or without advance notice. In the event of significant changes, we will display a notice on the Website or send you an email.
Using our Services or accessing the Website after a notice of changes has been sent or published will constitute your consent to the changed terms.
We respect and are sensitive to the rights as granted in the data protection laws. Should you have questions about this Privacy Policy or our information collection practices, you may contact the Grievance Officer.
In accordance with the Information Technology Act, 2000 and the rules made thereunder, the Grievance Officer will redress your grievances expeditiously.
Registered Office
The Credit Circle (Capex Credit Circle Private Limited)
B4/174A, Lawrence Road, Keshav Puram
Delhi - 110035, India
If you have any questions about our Privacy Policy, please don't hesitate to contact us.
CAPEX CREDIT CIRCLE PRIVATE LIMITED
Registered Address: B4/174A, Lawrence Road, Keshav Puram, Delhi - 110035
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