Account:
Privacy Policy
This Privacy Policy is adopted by Credlinker (hereinafter referred to as “we”, “us” or “our”). This Policy governs the collection, use, and sharing of personally identifiable information (“Personal Information”) accessed or shared with us through the use of our mobile application or website (collectively, the “App”).
By agreeing to this Privacy Policy, or by accessing or using the services through the App, you consent to the collection, transfer, storage, disclosure, and other processing of your Personal Information as described herein. If you have any concerns about providing data or the ways it may be used as permitted in this Policy, you should not use the App or services.
Unless otherwise specified, this Privacy Policy applies only to the services, features, software, and functionalities offered by us via the App.
1. Definition: Sensitive Personal Data
“Sensitive Personal Data or Information” includes:
(i) passwords;
(ii) financial information, such as bank account, debit or credit card details;
(iii) any information provided to us for the purpose of providing services;
(iv) any of the above information processed or stored under a lawful contract or otherwise.
⚠️ Note: We do not collect information related to physical, psychological, or mental health, sexual orientation, medical records, or biometric data.
2. Data We Collect
When you visit our website, use our App, or access our services, you entrust us with your personal information. We take your privacy seriously and aim to be transparent about what data we collect, why we collect it, how we collect it, and how we use it.
2.1 Methods of Data Collection and Types
| No. | Means of Data Collection | Data Collected |
|---|---|---|
| 1 | Data you provide when registering and using the Services | Mobile Number: Required for OTP verification. User Profile Data (Optional): Name, city, profile picture, photo album, local storage permissions; used to personalize user experience. Feedback Data (Optional): Suggestions, feedback, or experience reports provided by the user. |
| 2 | Data collected during usage of the Services | Withdrawal Information: Amount, method, bank card number, UPI account, IFSC, phone number, date/time, used to ensure secure withdrawal. Device Data: Hardware model, IP address, language, time zone, software info, storage availability, device identifiers, advertising IDs, mobile network info, used to prevent fraud and identify users. Usage Data: Access date/time, pages visited, app features used, crash reports, browser type, third-party interaction data, used to optimize experience. Cookies: Used to identify users, record preferences, and improve experience. Can be disabled in browser settings. |
| 3 | Data from third parties | For example, information from social media logins or plugins. Users remain bound by third-party privacy policies and terms of use. |
3. How and Why We Use Data
We and/or third-party service providers acting on our behalf may use your data to ensure the App operates smoothly, securely, and optimally.
| No. | Purpose | How Data is Used |
|---|---|---|
| 1 | Service Provision and Optimization | Create and maintain user accounts; improve App design and navigation; support withdrawal processes; determine eligibility for activities and rewards; conduct internal operations such as debugging, fraud detection, and trend analysis. |
| 2 | Customer Support | Assist in resolving user issues, complaints, or service requests. |
| 3 | Research and Development | Conduct analysis and improve UI/UX to optimize App experience. |
| 4 | Marketing and Promotion | Promote the App and services, notify users of events, recommend services (as legally permitted). |
| 5 | Legal Compliance | Fulfill legal or regulatory obligations or respond to government or judicial requests. |
4. Sharing Data
We will not sell your personal information for profit. Data may be shared only under the following circumstances:
| No. | Shared With | Purpose |
|---|---|---|
| 1 | Third-Party Service Providers | Infrastructure, transaction processing, maintenance, support, analytics, marketing, and other allied services. Only necessary data is shared. Examples include Adjust, Facebook, FreshChat. |
| 2 | Law Enforcement & Judicial Authorities | To comply with legal requirements, cooperate with investigations, respond to court orders, or protect users, the platform, and public safety. |
5. Your Data Rights
6. Data Security Measures
We implement administrative, technical, and physical safeguards including:
⚠️ Note: Internet security is never absolute; we cannot guarantee complete protection during data transmission.
7. Data Retention Policy
We retain data as long as necessary to fulfill the purpose of collection, provide services, comply with legal obligations, prevent fraud, or resolve disputes. After this period, data is deleted or anonymized.
8. Data Deletion Policy
You may request data deletion or modifications at any time by contacting us. Deletion requests may affect service functionality. Requests that adversely affect other users may not be fully implemented.
9. Children’s Information
The App is not intended for anyone under 18. We do not knowingly collect information from minors. If discovered, such information will be promptly deleted.
10. Policy Updates
We may update this Policy and our App from time to time. Continued use of the App indicates acceptance of any changes.
11. Disclaimer
This Policy does not apply to third-party apps or websites linked to the App. Accessing third-party content is at your own risk, and we are not liable for any harm.
12. Limitation of Liability
This Policy only describes how Credlinker operates with respect to user data. It does not create legal rights. Credlinker may change this Policy at any time. Liability is limited to removal of sensitive personal data and identifiable elements of personal information.
13. Contact Us
To exercise your rights or withdraw consent, email arthvedkar@gmail.com. We will respond within 30 days (or as legally required).