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Privacy Policy

1. Introduction

  1. This Privacy Policy ("Policy") explains how KS TECH CONNECTION ("KS TECH CONNECTION", "We", "Us", or "Our") stores, uses, processes, and discloses the personal data You choose to share with Us when You download and use Our mobile application "Creditbridge: Personal Loan App" or access the Services offered on creditbridge.com (the app is referred to as the "App", and the App together with the website is collectively referred to as the "Platform").

  2. The services We make available to You on or through the Platform are referred to as the "Services", as defined in the Terms. Unless a capitalized term is specifically defined in this Policy, it carries the meaning given to it in Our Terms and Conditions, available at kste kstechconnection.com/terms ("Terms"). This Policy should be read together with the Terms.

  3. KS TECH CONNECTION is committed to safeguarding Your personal data and honouring Your privacy. We encourage You to read this Policy carefully so that You understand how We handle Your personal data. This Policy explains the basis on which We process any personal data that We collect from You, gather about You, or that You provide to Us.

  4. By consenting to the processing of Your personal data, You acknowledge that We will collect, store, use, and disclose that data in the manner described in this Policy.

2. The data We collect about You

  1. After obtaining Your consent, We collect, transmit, and store Your personal data on Our secured KS TECH CONNECTION server (kstechconnection.com) in order to deliver the Services or in connection with them. We collect and process only the minimum personal data necessary to provide the Services. Such personal data includes:
    1.1 Identity and profile-related data: Your first and last name, parents' names, date of birth, gender, photographs, educational qualifications, purpose of the loan, house ownership status, employment status, employer/company name, contact details (including addresses, email IDs, and phone numbers), and marital status.
    1.2 KYC data: Identification documents issued by the government or other authorities, including details of or relating to Your Aadhaar, PAN card, voter ID, and similar documents.
    1.3 Transaction data: Details of transactions carried out through the Platform or in connection with the Services — for example, the services You have requested or availed via the Platform, or confirmations of such services.
    1.4 Data from SMSs: With Your permission, We collect, transmit, and store transactional SMS data from Your phone on Our secured KS TECH CONNECTION server in order to verify and analyse Your financial position and determine Your cash flow, credits, income, and spending patterns. We do not collect, read, or store personal SMSs, account details, or similar content.
    1.5 Financial data: Your past credit history, income details, particulars of loans issued or applied for through the Platform, payments and repayments made in respect of them, bank account details, and bank account statements.
    1.6 Device data: Your IP address, browser type and version, time zone setting, operating system, and other device information. We collect, transmit, and store this data on Our secured KS TECH CONNECTION server for data analytics purposes.
    1.7 App data: We collect, transmit, and store information about the applications installed on Your device on Our secured KS TECH CONNECTION server. We use only the package name of each installed application, and solely to assess creditworthiness and offer You customized loan products.

  2. We do not access mobile phone resources such as Your contact list, call logs, telephony functions, or files and media (except as described above, to allow You to upload documents). We do not collect Your biometric data. We may, however, take one-time access of Your camera, microphone, location (fine and coarse GPS data), or other device facilities for onboarding or KYC checks (for that specific instance of access), after obtaining Your explicit consent each time You avail certain Services. Data gathered in this manner is collected, transmitted, and stored on Our secured KS TECH CONNECTION server. For certain Services, We may need permission to send SMS from Your device in order to verify Your device and phone number.

  3. Collection of Your personal data is necessary for Us to give You access to the Platform and the Services. In some cases, We are obliged to collect personal data under applicable law or under the Terms. If You do not provide the requested data when We ask for it, We will be unable to fulfil Our obligations under the arrangement We have (or are seeking to enter) with You — for instance, to provide You with features of the Services. In such circumstances, We may have to cancel or restrict Your access to the Services (in whole or in part).

What to include in the Privacy Policy

  1. After obtaining Your consent, We collect, transmit, and store Your personal data on Our secured KS TECH CONNECTION server (kstechconnection.com) in order to deliver the Services or in connection with them. We collect and process only the minimum personal data necessary to provide the Services. Such personal data includes:
    1.1 Identity and profile-related data: Your first and last name, parents' names, date of birth, gender, photographs, educational qualifications, purpose of the loan, house ownership status, employment status, employer/company name, contact details (including addresses, email IDs, and phone numbers), and marital status.
    1.2 KYC data: Identification documents issued by the government or other authorities, including details of or relating to Your Aadhaar, PAN card, voter ID, and similar documents.
    1.3 Transaction data: Details of transactions carried out through the Platform or in connection with the Services — for example, the services You have requested or availed via the Platform, or confirmations of such services.
    1.4 Data from SMSs: With Your permission, We collect, transmit, and store transactional SMS data from Your phone on Our secured KS TECH CONNECTION server in order to verify and analyse Your financial position and determine Your cash flow, credits, income, and spending patterns. We do not collect, read, or store personal SMSs, account details, or similar content.
    1.5 Financial data: Your past credit history, income details, particulars of loans issued or applied for through the Platform, payments and repayments made in respect of them, bank account details, and bank account statements.
    1.6 Device data: Your IP address, browser type and version, time zone setting, operating system, and other device information. We collect, transmit, and store this data on Our secured KS TECH CONNECTION server for data analytics purposes.
    1.7 App data: We collect, transmit, and store information about the applications installed on Your device on Our secured KS TECH CONNECTION server. We use only the package name of each installed application, and solely to assess creditworthiness and offer You customized loan products.

  2. We do not access mobile phone resources such as Your contact list, call logs, telephony functions, or files and media (except as described above, to allow You to upload documents). We do not collect Your biometric data. We may, however, take one-time access of Your camera, microphone, location (fine and coarse GPS data), or other device facilities for onboarding or KYC checks (for that specific instance of access), after obtaining Your explicit consent each time You avail certain Services. Data gathered in this manner is collected, transmitted, and stored on Our secured KS TECH CONNECTION server. For certain Services, We may need permission to send SMS from Your device in order to verify Your device and phone number.

  3. Collection of Your personal data is necessary for Us to give You access to the Platform and the Services. In some cases, We are obliged to collect personal data under applicable law or under the Terms. If You do not provide the requested data when We ask for it, We will be unable to fulfil Our obligations under the arrangement We have (or are seeking to enter) with You — for instance, to provide You with features of the Services. In such circumstances, We may have to cancel or restrict Your access to the Services (in whole or in part).

What to include in the Privacy Policy

  1. We will use Your personal data only in accordance with applicable law. Most commonly, We use it to deliver the Services to You or to meet a legal obligation.

  2. You agree and acknowledge that, by using Our Services and creating an account on the Platform, You authorise Us and Our partners — including but not limited to Our Lenders, Insurance Partners, Third Party Insurance Intermediaries, Partnered FD Facilitators and Digital Gold Providers — and Our affiliates to contact You via email, phone, or other means in connection with the Services provided to You. This includes, without limitation, informing You about credit products available to You, providing customer support, resolving grievances or disputes relating to the Services or credit products You have availed, and carrying out collection services offered to the Lender for credit facilities availed by You.

  3. In general, We use Your personal data for the following purposes and activities, which are undertaken without direct human supervision or control:
    3.1 To register You as a user of the Platform;
    3.2 To deliver the Services to You;
    3.3 To share details of the Services You have requested and to handle queries You raise on the Platform;
    3.4 To facilitate Your KYC;
    3.5 To facilitate Your loan application and otherwise support You in obtaining credit facilities from regulated entities, including Our Lenders;
    3.6 To facilitate the provision of Services by Our partners, including but not limited to Our Lenders, Insurance Partners, Third Party Insurance Intermediaries, Partnered FD Facilitators, and Digital Gold Providers;
    3.7 To manage Our relationship with You, including notifying You of changes to any Services;
    3.8 To administer and protect Our business and the Platform, including troubleshooting, data analysis, system testing, and internal operations;
    3.9 To send You communications, including WhatsApp business messages and calls initiated by Us via AI bots, in connection with Your use of the Platform or the Services;
    3.10 To carry out data analytics and monitor trends so that We can improve the Platform and Services;
    3.11 To improve Our business and delivery models;
    3.12 To perform Our obligations arising from the arrangement We are about to enter or have entered into with You;
    3.13 To enforce Our Terms;
    3.14 To carry out marketing activities, including sending You promotional messages or making promotional calls (including calls initiated by Us via AI bots) about Services offered by Us now or in the future;
    3.15 To respond to court orders, establish or exercise Our legal rights, or defend Ourselves against legal claims;
    3.16 To comply with the Reserve Bank of India's norms, including contacting or locating You in the event of Your default, in relation to certain Services;
    3.17 To comply with the norms of the Insurance Regulatory and Development Authority of India; and
    3.18 To ensure compliance with applicable laws.

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