Privacy Policy

At Decoding Credit, we are committed to protecting the privacy and confidentiality of the personal and financial information you share with us. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you use our website and services. Please take the time to read through this policy to understand how we handle your data in compliance with applicable data protection laws.

These terms of service ("Terms", "Agreement") are an agreement between the website ("Website operator", "us", "we" or "our") and you ("User", "you" or "your"). This Agreement sets forth the general terms and conditions of your use of this website and any of its products or services (collectively, "Website" or "Services").

Although this Website may be linked to other websites, we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked website, unless specifically stated herein.

You should carefully review the legal statements and other conditions of use of any website which you access through a link from this Website. Your linking to any other off-site pages or other websites is at your own risk.

1. Information We Collect

We may collect and process the following types of personal information:

a. Personal Identification Information:

• Full Name
• Email Address
• Contact Number
• Mailing Address
• Date of Birth

b. Financial and Business Information:

• Business name and details
• Credit information
• Financial statements
• Banking details
• Loan application data

c. Website Usage Information:

• IP address
• Browser type
• Pages visited
• Time spent on the site
• Cookies and similar technologies (see Section 7 for more on Cookies)

2. How We Use Your Information

The information we collect is used for the following purposes:

a. Financial Advisory Services

We use the financial and business information you provide to deliver our financial advisory services, such as evaluating loan eligibility, advising on funding strategies, and assisting with loan syndication.

b. Communication

We may use your personal contact information to send you updates, financial reports, newsletters, marketing communications, and any other information relevant to the services we provide.

c. Improve User Experience

We collect website usage data to improve the functionality of our website, ensure a user-friendly experience, and to understand the preferences of our clients better.

d. Compliance with Legal Obligations

We may need to process your data to comply with legal obligations, including regulatory compliance, fraud prevention, or responding to government inquiries.

3. Data Sharing and Disclosure

We take your privacy seriously and will only share your data under specific circumstances:

a. Service Providers and Partners

We may share your data with trusted third-party service providers who assist us in delivering our services, including financial institutions, loan syndication partners, and analytics providers. These third parties are required to adhere to strict data privacy standards and may only use your data for the agreed-upon purpose.

b. Legal and Regulatory Compliance

We may disclose your personal data if required to do so by law or in response to a valid request by government authorities or regulatory bodies.

c. Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our business, your data may be transferred as part of the transaction, subject to the same confidentiality agreements.

4. Security of Your Information

At Decoding Credit, we take all reasonable precautions to protect your personal and financial information from unauthorized access, misuse, or disclosure. Our security measures include:

• Encryption of sensitive financial data
• Secure servers with firewall protection
• Regular security audits and monitoring
• Access control systems ensuring only authorized personnel have access to your data

However, please note that no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Data Retention

We will retain your personal and financial information for as long as necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law. Once your data is no longer needed, we will securely delete or anonymize it.

6. Your Rights

As a user of our services, you have the following rights concerning your personal data:

• Right to Access: You have the right to request a copy of the personal information we hold about you.
• Right to Rectification: If any information is inaccurate or incomplete, you have the right to have it corrected.
• Right to Deletion: You can request that we delete your personal information under certain conditions, such as when it is no longer necessary for the purposes for which it was collected.
• Right to Restrict Processing: You can request that we limit the processing of your data in certain situations.
• Right to Object: You may object to the processing of your data for direct marketing purposes or when processing is based on our legitimate interests.

To exercise any of these rights, please contact us at privacy@decodingcredit.in.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small text files placed on your device that help us remember your preferences, understand your browsing behavior, and improve our services. Website may use cookies to personalize and facilitate maximum navigation of the User by this site. The User may configure his / her browser to notify and reject the installation of the cookies sent by us.

Types of Cookies We Use:

• Essential Cookies: Necessary for the functionality of the website.
• Performance Cookies: Collect information on how you use our site to help us improve.
• Marketing Cookies: Used to track visitors across websites for targeted advertising.

You can adjust your cookie preferences in your browser settings, but this may affect the functionality of our website.

8. Third-Party Links

Our website may contain links to third-party websites or services. Please be aware that we are not responsible for the privacy practices of these external sites. We encourage you to read the privacy policies of any third-party sites you visit through our links.

9. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe that a child under 18 has provided us with personal data, please contact us immediately, and we will take steps to delete such information.

10. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal reasons. Any changes will be posted on this page, and the "Effective Date" will be updated accordingly. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your data.

Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy or how we handle your personal data, please contact us at:

Decoding Credit

Email: privacy@decodingcredit.in

Phone: +91-7829382000

This Privacy Policy ensures that Decoding Credit’s approach to data protection is transparent and compliant with current regulations, while also building trust with clients by outlining how their data is collected, used, and protected. Let me know if you'd like to make any changes or additions!