Privacy Policy

We at Credit Bricks value the trust placed in us by You and therefore, we follow highest standards of privacy guidelines to protect the information shared with us by You.

This Privacy Policy (“Privacy Policy”) governs the use of Personal Information shared

(as defined below) with or collected by Credit Bricks from the users or the subscribers of Credit Bricks

You’re viewing or browsing of our content or Your use of our services offered on Credit Bricks website and desktop or mobile app is constructed to mean that You consent to our collection, storage, processing and transfer of your Personal Information or Sensitive Personal Data or Information in accordance with this Privacy Policy and you consent to the terms and conditions of this Privacy Policy. You agree to be bound by the terms of this Privacy Policy.

All the capitalized terms that have not been specifically defined herein shall have the same meaning as provided under the Terms of Use.

The Privacy Policy should be read in conjunction and together with the Terms of Use available on www.creditbricks.in

‘Personal Information’, ‘Information’ and ‘Sensitive Personal Data or Information’ shall have the meaning ascribed to it under the applicable laws in India.

Collection and Use of Personal Information.

We collect the information directly provided by you, your usage and log data, data collected through cookies and similar technologies

Data provided by user We collect the following personal information about You when You use or browse Credit Bricks, at the time of Your registration with Credit Bricks and when You share such information with Us through email, by posting on Credit Bricks or by any other means like customer help desk, etc made available to You by Us.

We collect information with respect to your name, mobile number, secondary mobile number, your apartment/villa number, tenant or an owner, vehicle number (if any), email, address, IP Address, pin code, age, gender, occupation, etc., or any other information which may be required to give additional services such as buy/sell/rent flat/villa or such type or if you show interest of availing loans from our third-party vendor which may include banks/NBFC’s or any lending firms.

Further, certain financial information may be required to facilitate the processing of payments made through our payment service providers. As making payment may require utilization of the services of the payment service providers, you will be subject to the terms of use and privacy policy of such payment service provider, as well. Our payment gateway partners collect information with respect to Your credit / debit card details or other bank account details. This information is stored by our payment gateway partners. For instance, Credit Bricks will be using the third-party payment gateway providers to process and facilitate the payment of Your maintenance Fees to the Society or Residential Welfare Association (RWA) or to Credit Bricks to avail any direct service offered by them. Please note that Credit Bricks does not directly collect any financial information such as credit card or debit card or net banking details from You. Such payment gateway partners are not controlled by us. When you visit such payment gateways you do so at your own risk.

These payment gateways may have their own privacy policies in place, which we recommend You review if You visit any such Payment gateways.

We do not assume any responsibility or liability for such payment gateways, the content of such payment gateways and their privacy practices, nor do we endorse them. We encourage you to familiarize yourself with the privacy statement provided by such payment gateways prior to providing them with information about you or entering into any transactions with them.

While transaction with these payment gateways, you may provide Your financial information including without limitation Your bank account details, credit card accounts details or details pertaining to any payment settlement or pre-paid instrument service provider. You understand, agree and acknowledge that Credit Bricks never receives Your financial and payment information from these payment gateways. Your Personal Information, Sensitive Personal Data or Information and financial information will be dealt with by these payment gateways in accordance with their respective privacy policies and other terms and conditions and Credit Bricks shall not be liable, accountable or responsible for Your Personal Information, Sensitive Personal Data or Information and financial information which You provide to these gateways

We collect information in order to provide You with a safe, efficient. smooth and customized experience. This allows Us to provide services, information with us voluntarily, we will not be liable for any actions, claims, costs, expenses or other liabilities that may rise as a consequence of such any unauthorized use or misuse of such information.

Sharing Your Information and Disclosures

We may disclose personal information that we collect or you provide, as described in this privacy policy, in the following ways:

For General Information Disclosures:

To our subsidiaries and affiliates, which are entities under common ownership for provision of our Services or to comply with applicable laws.

Credit Bricks uses Third Party Service Providers to provide variety services on our behalf viz., Communications Services (SMS, Push Notifications, Emails, IVR Calls, WhatsApp services etc.), Banking Partners, Payment Gateways, Analytics Platform, Cloud Services, ANPR/Hardware Integrations, etc. and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.

When user reaches out to Credit Bricks customer care for specific query/issues and customer care personnel has to access your information for resolution of your query.

Explicit user consent will be taken by Credit Bricks in case we partner with third-party companies, organizations, or individuals outside of Credit Bricks to provide additional services or offerings to users. The use of such services may require you to share your name, email, phone number, flat details, vehicle number or other information with these partners. In such cases, Credit Bricks will only share your information and offer you the service with your explicit opt-in. The services may contain links to third-party websites. Please be aware that we are not responsible for the content or privacy practices of other websites or services which may be linked on our services. We do not endorse or make any representations about third-party websites or services. Our Privacy Policy does not cover the information you choose to provide to or that is collected by these third parties.

For Legal Reasons: We may need to share or disclose some of your information outside Credit Bricks without the consent, if we have a good-faith belief that access, use, preservation or disclosure of the information is reasonably necessary in the following events:

Meet any law, regulation or legal process as applicable or enforceable request from government.

To enforce applicable terms of service, including investigation of potential violations, fraud, security or technical issues/breaches.

Information as necessary with your respective societies’ RWA as per terms of agreement.

Protect against harm to the rights, property or safety of our users, Credit Bricks, or the public as required or permitted by Law.

Inferred Information through usage and log data. We may track certain information about You based upon Your behaviour on Credit Bricks. We use this information for conducting internal research on Our users’ demographics, devices interest and behaviour to better understand, protect and serve Our users.  This information is compiled and analysed on an aggregated basis. This information may include the platform that You just visited (whether this platform is on Credit Bricks or not), which platform You next visit, Your computer browser information.

We may also collect Your information to track user behaviour and preferences for internal analytics and research. We may also use Your information: (1) to evaluate Your interest for various genres of content, services, offers; (ii) to perform analytics and conduct customer research, to determine Your interest, for identifying Content that generate sales and to analyse traffic patterns.

If You choose to post messages on social media accounts, message boards, chat rooms or other message areas or leaves feedback, we will collect that information You provide to Us. We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems permitted by law.

If You send Us personal correspondence, such as emails or letters, or if other users or third parties send Us correspondence about Your activities or posting on Credit Bricks. We may collect and store such information.

We identify and use Your IP address to help diagnose any problems with Our server, and to administer Credit Bricks Your IP address is also used to help identify You and to gather broad demographic information to customize Your experience on Credit Bricks.

We will occasionally ask You to complete optional online surveys. These surveys may ask You to complete optional online surveys. These surveys may ask You for contact information and demographic information (like pin code, age, etc).  We use this data to tailor Your experience at Credit Bricks, providing You with content that We think You might be interested in and to display content according to Your preferences.

Cookie

A “cookie” is a small piece of information stored by a web server on a web browser so it can be later read back from that browser. Cookies are useful for enabling the browser to remember information specific to a given user. We place both permanent and temporary cookies in Your computer’s hard drive. The cookies do not contain any of Your personally identifiable information

We may combine Your Personal Information or Sensitive Personal Data or Information, other information and information collected from tracking technologies and aggregate it with information collected from other Users using our services to attempt to provide You with the services and a better experience on Credit Bricks.

User Consent

In some cases, we may process some of your information based on the consent you granted to your RWA as represented by them to Credit Bricks or expressly to us at the time we collect such data. In case we need to process any of your information we will be clearly indicating to you at the point and time of collection. By using Credit Bricks or any other domain owned by us, you are authorizing Credit Bricks (including its representatives, affiliates, and its business partners) to contact you via via email, phone call, push notification, WhatsApp or SMS and offer you our services for the product you have opted for, imparting product knowledge, offer promotional offers, for which your information may be collected in the manner as detailed under this policy.

You hereby agree that you authorize Credit Bricks to contact you for the above-mentioned purposes even if you have registered yourself under DND or DNC or NCPR service(s). Your authorization, in this regard, shall be valid as long as your account is not deactivated. You expressly understand, agree and acknowledge that our collection, storage and processing of your Personal Information or Sensitive Personal Data or Information is for a lawful purpose connected with a function or activity of Credit Bricks platform. You hereby consent to the collection, storage, use disclosure, transfer, of the Personal Information or Sensitive Personal Data or Information by Credit Bricks for the purpose set out herein. You further understand, agree and acknowledge that your Personal Information, which is classified as Sensitive Personal Data or Information as per applicable laws, is considered necessary for Credit Bricks to provide various services on its platform to You and for Your usage of the platform and other services provided by Credit Bricks   and you affirmatively give consent to Credit Bricks for collecting, storing, transferring and Processing Your Information

Disclosure of Personal Information with third parties. We may disclose Personal Information to our affiliates and group companies. We may also disclose Your Personal Information with third parties strictly on confidential terms. We, may disclose such information to third parties in order to provide You access to Credit Bricks and facilitate or Your Participation in any contest, game or activity conducted by Credit Bricks, to comply with our legal obligations, to enforce Our Terms of Use, to facilitate Our marketing and advertising activities, or to prevent, detect, mitigate, and investigate, fraudulent or illegal activities related to Credit Bricks.

You hereby provide your express consent to us for sharing Your Personal Information with third parties for marketing and advertising purpose.

Credit Brick may disclose Your Personal Information or Sensitive Personal Data or Information to such an extent as Credit Bricks may deem necessary for you to enter into commercial transaction with website and /or application of Credit Bricks.

In the event of any requirement by court order, government or quasi – government agency to disclose Your Personal Information, we will disclose information as may be legally required through court orders or other legal process.

Third Party Site:

Credit Brick may provide links to various third-party websites that may collect Your Personal Information. Use of your information collected by such third-party platform will be governed by the Privacy Policy of those platforms. Credit Bricks has no control on the operation of such third-party websites and You may share information with such third party at Your own risk.

Promotional and Marketing Activities:

We shall send communications through various modes like SMS, emails, push notification, WhatsApp etc to You at regular intervals to notify You of, among other things, various offers, new content, exclusive, deals etc., that may be available or new services that You, may be interested to subscribe etc. By accessing Credit Bricks, you expressly consent to receiving such communications from us at regular intervals

Data Retention:

We retain Personal Information or Sensitive Personal Data or Information only for as long as we believe it to be necessary for the purposes set out herein for which the Personal Information or Sensitive Personal data or Information was collected, subject to any legal requirements for the data to be retained for longer periods of time.

Deleting Your Information

If you wish to have Personal Information or Sensitive Personal Data or Information that You have provided to us deleted, you can always do so by sending a request to us on the emailed of our Customer Service department provided at the bottom of this page

You may note that deletion of certain Personal Information may lead to cancellation of your registration with Credit Bricks and/or your access to certain features can be restricted and may lead to complete cessation of Your Access to Credit Bricks platform or Application.

Security and Compliance with Laws

We strive to protect Your Personal Information against unauthorized

Disclosure, misuse, unlawful use, modification loss, or destruction. We take all reasonable measures and precautions, as per standard industry practices, to keep Your Personal Information confidential. We ensure compliance with all applicable laws.

Amendments:

This Privacy Policy is subject to change without prior notice. We reserve the right to modify the terms of this Privacy Policy periodically in order to ensure compliance with applicable laws.

The updated Terms shall be effective immediately and supersede the terms of the previous Privacy Policy. The updated Privacy Policy will be communicated to the user through in-app notifications. We will not be under any obligation to notify you of any changes to this Privacy Policy. You shall be solely responsible for reviewing the Privacy Policy from time to time for any modifications. By continuing to use Credit Bricks after the updated Terms have been published, you affirm Your agreement to the updated Terms.

Contact Us

If you require any information or clarification regarding the use of your personal Information or this Privacy Policy, you may contact us at enquiry@creditbricks.in

If you have any grievances with respect to use of Your Personal Information, please email us at enquiry@creditbricks.in