This Policy describes:

• the types of information that we may collect from you when you access or use the website www.credflow.in (“Website”); and

• our practices for collecting, using, maintaining, protecting and disclosing the information.

This Policy together read with the Terms and Conditions constitute and serve as the agreement between you and us.

The Policy applies only to the information collected by us during your use of the Website, in email and other electronic communications sent through the Website. This Policy does not apply to the information that you provide to, or that is collected by, any third-party, such as logistic service provider, social networks that you may use. We encourage you to consult directly with such third-parties regarding their privacy practices. Your personal information shall be processed and stored subject to your explicit consent, which shall be obtained at the time of registration on the Website and/or at such other time when we collect your Personal Information (defined herein below).

By accessing or using the Website and/or registering for an account on the Website, you agree to this Policy and you are consenting to our collection, use, disclosure, retention and protection of your personal information as described here.

The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at CredFlow unless otherwise defined in this Privacy Policy.

Information Collection and Use

Personal and Sensitive Personal Information collected includes but not limited to:

• Name, phone number, e-mail id, contacts.

• App interactions where information about how the user interacts with the app. For example, the number of times they visit a page or sessions they tap on.

• Location: We may collect location data such as information about your device’s location. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Location setting on your device. However, if you choose to opt-out, you may not be able to use certain aspects of the Services.

• Biometric Data: When necessary, with your consent we access biometric information such as fingerprint and face recognition to provide password-protected app services. If you wish not to share such information you can disable this information from the settings of our mobile application.

• Files: When necessary, with your consent we access your documents and files only if you allow or give permission to. Files can be used to upload attachment in vouchers or downloading PDF reports.

• Contact List: We may access your contact list to enable you to select contact details and share app deliverables. We do not share your contact information with any third parties, and it is solely used for in-app functionalities.

• Images: We may request access to your photo gallery to allow you to upload a picture. Your photos will not be used or shared outside of the app without your explicit consent.

For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information, including but not limited to Contacts. The information that we request will be retained by us and used as described in this privacy policy.

Your consent to grant access to your contact list and photo gallery is entirely voluntary, and you can revoke this permission at any time through your device settings. We are dedicated to maintaining the confidentiality and security of your personal data and strictly adhere to our privacy policy. If you have any concerns or questions regarding the usage of your data, please do not hesitate to contact us.

The Company takes all reasonable steps to protect the personal data provided via the software from loss, misuse and unauthorized access, disclosure, alteration or destruction specifically for the Tally data. It is made clear that the Company may seek authorization from the user/customer to use or access user data for software development or any future service that the company may offer.

The Company represents that the user data is stored on cloud (Amazon Web Services) in encrypted form under best industry standards and the same may change from time to time.

The user also authorizes Credflow representative to contact such user over the phone, message, and email for transactional & promotional activity. This consent shall supersede any preferences set by such User through the National Customer Preference Register (NCPR) or any other similar preferences.

We may use debtor details for marketing purposes related to our products. This usage will not establish any business relationship between you and your customer.

The app does use third party services that may collect information used to identify you.

Third-party service providers used by the app includes but is not limited to: (You may refer to their individual websites for their privacy policy)

• Google Play Services & Other ancillary Google Products

• Firebase & Google Analytics

• Clevertap

• AWS (Amazon Web Services)

• SMS, IVR and WhatsApp Service Providers

• Mongo DB

• Hyperface

• MoEngage

• Apple Store

• Freshdesk

• Pipedrive

• Zapier

• Integromat

• Redash

• Slack

• Leadsquared

• Google Data Studio

We may see your primary Google account email address and avail your personal information that you may have made s publicly available. When you sign in with Google, you allow us to send emails on your behalf.

Retention of said information

Your Personal Information will not be retained by us any longer than necessary for the purposes for which the Personal Information is processed and/or in accordance with legal, regulatory, contractual or statutory obligations as applicable. To the extent of instructions on record management as stipulated in the Master Directions/Directions/Guidelines/Guidance issued by Reserve Bank of India, with reference to provisions of Prevention of Money Laundering (Maintenance of Records) Rule, 2005 (PML Rule, 2005) from time to time would be the directing force, We have defined a record retention period for your Information as Six (06) years from the date of last processing of your Information.

At the expiry of such periods, your Personal Information will be deleted or archived in compliance with applicable laws. All physical data will be disposed of by shredding or otherwise making unreadable confidential records in accordance with applicable laws. All electronic data will be disposed of in a responsible manner and in compliance with applicable laws with prior approval from CTO/CISO.

Control over your personal information

You have the right to deny consent for use of specific data, restrict disclosure to third parties, data retention, revoke consent already granted to collect personal data and if required, make the app delete/ forget the data. 

To act upon the above, you can contact us at support@credflow.in. Once we have received the withdrawal request, we will no longer process your information unless it is required to hold your data for a legal or regulatory purpose.

We shall ensure that all data is stored only in servers located within India, while ensuring compliance with statutory obligations/ regulatory instructions.

Lending/NBFC partners(FLDG): Blacksoil Capital Private Limited, Trillionloans Fintech Private Limited, Ugro Capital Limited.

Repayment/Loan Terms:-

Repay in Easy Monthly Installment (EMI)
Loan Tenure: 3 months (minimum) to 36 months (maximum)
Interest Rate: Ranges from 15% – 24%.
Amount: Rs. 1,00,000 to Rs. 35,00,000
Processing fees: 0% to 2.5%

An example:

Sanction Amount: ₹100,000.00
Drawdown Amount: ₹100,000.00
Platform Fees: ₹1,180.00
Processing Fees: ₹2,360.00
Broken Period Interest: ₹402.74
Interest: ₹11,736.53
Total: ₹115,679.27
Net Disburse: ₹96,057.26
EMI: ₹9,311.38
APR (30): 28.05%
APR Normal: 28.88%
Other Charges: ₹1,180.00
Upfront Charges Drawdown: ₹3,942.74
Disbursal Amount is Sanctioned Amount – Processing Fees – Platform Fees – Broken Period Charges(If Any)

Log Data

We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.

Cookies

Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device’s internal memory.

This Service does not use these “cookies” explicitly. However, the app may use third party code and libraries that use “cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.

Service Providers

We may employ third-party companies and individuals due to the following reasons:

• To facilitate our Service;

• To provide the Service on our behalf;

• To perform Service-related services; or

• To assist us in analyzing how our Service is used.

We want to inform users of this Service that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.

Security

We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But you are hereby notified that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.

Links to Other Sites

This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies,

or practices of any third-party sites or services.

Children’s Privacy

These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In case we discover that a child under 13 has provided us with personal information, we immediately delete the same from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us for necessary actions.

Exclusions:

This Privacy Policy does not apply to any personal data collected by the Company other than personal data collected through the application. This Privacy Policy shall not apply to any unsolicited information user provides to Company through the program or any other means. This includes, but is not limited to any public areas of the services, such as public forums (collectively “Public Areas”), any ideas for new products or modifications to existing services. All unsolicited information shall be deemed to be non-confidential and the Company shall be free to reproduce, use, disclose, distribute and exploit such unsolicited information without limitation or attribution.

Changes to This Privacy Policy

The software and our business may change from time to time. As a result, it may be necessary for Company to make changes in this Privacy Policy. The company reserves the right to update or modify this Privacy Policy from time to time without prior consent. The company may revise its privacy policy to bring it in line with the IT Act and the rules framed thereunder. Thus, you are advised to review this page periodically for any changes, especially before you provide any personal data. We shall be posting our Policy changes on the website and user’s access to the website shall be construed to be an implied consent to the updated Privacy Policy. The changes shall be made therein effective immediately after they are posted on this page.

Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us by emailing at support@credflow.in