1. Use of Our Website or Services: You will be able to use Our Website or Services as per Term of Use.

2. Information collected by InCred:

1. Information provided by users through our Website or Services will include details required for availing respective Services.
2. Information from credit bureaus and customer service providers to help InCred with customer verification and diligence required for InCred and partners.
3. Log information: Search queries, IP address, crashes, date and time.
4. Location information: Your actual location.
5. Local storage: Browser web storage, application data caches.
6. Transaction Information: We read SMS logs and other digital content to collect information about payment transactions, the names of the transacting parties, a description of the transactions and the payment or transfer amounts, billing and shipping information, and the devices and payment methods used to complete the transactions.
7. Device Information: We collect and monitor specific information about your device including your hardware model, operating system and version, unique device identifier, list of installed apps, user profile information, wi-fi information, mobile network information and call logs to uniquely identify the devices and ensure that unauthorized devices are not able to act on your behalf helping us prevent frauds.
8. Communication Information: We access your Contacts lists and call logs for application reference purposes.
9. Cookies and similar technologies.
10. Details required for administration or services and product improvement.
11. Record and/or monitor calls if InCred feel necessary for quality checks and staff training. Such recordings may also be used to help InCred combat fraud.
12. Feedback given by you.
13. Third-party advertisements: InCred may use third-party advertising companies to serve ads when you visit OUR Website/Application. These companies may use information about your usage preferences (but not your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you; InCred is not responsible for product, contents and services of such websites and is also not responsible for their privacy practices, which InCred does not own, manage or control and by providing access to other web-sites, InCred is neither recommending nor endorsing the content available for the third party advertisements.
14. Termination of account: While you can terminate your account as per terms of use, your information may remain stored in archive on our servers even after the deletion or the termination of your account.
15. Retention of information collected: The information collected from you will be retained during the (i) validity of your Account and for the purpose of submission of such information, (ii) As consented by you while creating your User Account (iii) As required by any regulatory norms including but not limited to the norms prescribed under Prevention of Money Laundering Act, 2002.

3. Use of information collected by InCred: The information will be used by InCred for the following:

1. To provide products or services you have requested.
2. To provide information to our partners to assist in making, credit decisions about you.
3. To help investigate violations of our terms of use or to defend against legal claims.
4. To disclose the information under special circumstances such as compliance with the applicable local law, court summons, court orders, requests/order from legal authorities or law enforcement agencies requiring such disclosure.
5. Search credit bureaus and fraud prevention agencies.
6. To get in touch with you when necessary and contact you by email, SMS, letter, telephone or in any other way about our products and services.
7. To identify, prevent, detect or tackle fraud, money laundering, terrorism and other crimes.
8. To form a view of you as an individual and to identify, develop or improve products, that may be of interest to you.
9. Provide information to independent external bodies such as governmental departments and agencies, universities and similar to carry out research.
10. Perform other administrative and operational purposes including the testing of systems.
11. Trace your whereabouts.
12. Recover any payments you owe to InCred or partners; and
13. Comply with our regulatory obligations.
14. To show you advertisements.
15. Contact you as a survey respondent.
16. To maintain records under applicable law or a may apply to pursuant to agreements executed by InCred.
17. Carry out, monitor and analyse our business, Carry out market research, business, and statistical analysis and also direct our efforts for product improvement.
18. Carry out audits.

4. Specific consent

1. You consent and grant us authority to share your information with third parties to (i) provide the product or service you have requested; (ii) To enable them to contact you; or to certain service partners in order to respond to your queries / comments or to resolve service issues and to serve you better and (iii) to collect information about you as mentioned in section 2 of this Privacy Policy and use the same for those purpose mentioned in section 3 of this Privacy Policy.
2. By using the Website/Services you authorize us, our affiliates & our associate partners to contact you via email or phone call or sms and offer you their services/ product, imparting product knowledge, offer promotional offers running on their websites & offers offered by the associated third parties. Irrespective of the fact if also you have registered yourself under DND or DNC or NCPR service, you still authorize to give you a call from InCred & its associates/partners for the above-mentioned purposes.
3. The customer authorizes InCred to exchange, share, part with all information related to the details and transaction history of the Customers to its Affiliates / Subsidiaries / Banks / Financial institutions / Credit bureaus / Agencies/ participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and shall not hold InCred liable for use or disclosure of this information.

5. Security: Your account information is password-protected for your privacy and security. Your information is transmitted through a secure sockets layer (SSL) transmission.

6. Changes in Privacy Policy: Our Privacy Policy might change from time to time, and InCred will provide notice of it on your email address linked to your Account or can be seen by you in our Website.

7. Incorporation of Privacy Policy to the Terms of use: This Privacy Policy is incorporated to the Terms of use (Terms) and other specific terms of this Website/Services/Account.

8. Contact: For any information regarding the Privacy Policy, please contact care@incred.com.

9. Liability: InCred, including the owners/affiliates, are not liable for damages caused by any performance, failure of performance, error, omission, interruption, deletion, defect, delay in transmission or operations, virus, communications line failure, and unauthorized access to the personal accounts. InCred is not responsible for any technical failure or malfunctioning of the software or delays of any kind.

10. Additional: This privacy policy shall cover all natural persons whose personal information is either collected/received/possessed/stored/handled by us. The Permissible Age for users are 18 and above. We do not knowingly collect any personal information from users or market to or solicit information from anyone under the Permissible Age.