Privacy Policy

1. Why this Privacy Policy?

This Privacy Policy is published in compliance with Section 43A of the Information Technology Act, 2000; Regulation 4 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 (the "SPI Rules"); and Regulation 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011.

2. Collection of Personal Data/Information

Some services require us to know who you are so we can best meet your needs. When you access the services, we may ask you to voluntarily provide information that personally, financially, or legally identifies you. Without limitation, this may include:

• Contact data (such as your email address and phone number)
• Financial and regulatory data (such as PAN, GST, IEC, LEI, or similar)
• Other details submitted during registration, applications, or support requests

Under the SPI Rules, personal information refers to any information that relates to a natural person and is capable of identifying them, directly or indirectly. Sensitive personal data or information includes, among other things, passwords; financial information (such as credit/debit card or other payment instrument details); physical, physiological, and mental health conditions; sexual orientation; medical records and history; biometric information; and information received by a body corporate under lawful contract. Information that is publicly available or accessible under applicable law is not regarded as personal or sensitive personal information.

3. Use of Data/Information

The Company uses collected data for purposes including:

• Providing, maintaining, and improving our services
• Notifying you about changes to our services
• Allowing participation in interactive features when you choose to do so
• Providing customer support
• Gathering analysis or valuable information to enhance our services
• Monitoring usage and detecting, preventing, and addressing technical issues
• Processing transactions, subscriptions, and renewals
• Sending news, offers, and information about goods, services, and events similar to those you have purchased or inquired about, unless you opt out

You may request correction, erasure, or restriction of processing of your personal information by emailing info@credhive.in.

4. Retention of Data/Information

The Company retains personal data only as long as necessary for the purposes described in this Privacy Policy. We may retain data as required to comply with legal obligations, resolve disputes, and enforce agreements and policies.

Usage data may be retained for internal analysis (with or without third-party involvement) and is generally kept for shorter periods unless needed to improve security, enhance service functionality, or comply with legal obligations.

5. Privacy Statement

Use of the services requires acceptance of the Terms of Use and this Privacy Policy. All information, including sensitive personal data, is provided voluntarily. Subject to the SPI Rules, the Company and its partners may use sensitive personal data:

• To provide the services
• For commercial purposes in aggregated or non-personally identifiable form for research, statistical analysis, and business intelligence
• For sale or transfer of aggregated or non-personally identifiable research or statistical data to partners

We may also use information to publish on the website, contact users for new services or feedback, analyze software usage patterns, and use anonymized information for academic or administrative purposes.

You are responsible for maintaining accurate information. If information is untrue, inaccurate, outdated, or incomplete, the Company may discontinue services. Updates requested over email may require confirmation with the relevant departments.

6. Payments and Cookie Usage

For payable services, the Company may collect payment instrument information to complete billing operations. Verification of credit information is accomplished through the authentication process offered by third-party payment gateways. User card details are transacted on secure, encrypted sites of approved payment gateways. The Company may not store card or bank account numbers on its portals, and is not responsible for issues, misuse, or fraud at third-party payment gateways.

The website may use cookies to store non-sensitive data for technical administration, research and development, and user administration. Authorized third parties may place or recognize cookies to serve advertisements or optimize services, and efforts are made to ensure cookies do not store personal information.

7. Casual Visitor Note

No tool is deployed to automatically collect sensitive personal data from casual visitors who are merely browsing. Certain provisions of this Privacy Policy still apply to casual visitors. If you do not agree with these statements, please leave the website immediately and clear cookies using your browser's functionality.

If you willingly submit personal data (via email, post, or registration), you will be treated as a user, and all terms of this Privacy Policy will apply.

8. Confidentiality and Security

Personal and financial data is maintained in electronic form on Company-controlled systems and may occasionally be converted to physical form. We implement managerial, technical, operational, and physical security measures commensurate with the nature of the information collected. Users must log off when finished and protect their credentials and devices. The Company is not liable for unauthorized use of your account; notify info@credhive.in immediately if you suspect misuse.

The Company is not responsible for confidentiality, security, or distribution of your personal information by associates or third parties outside the scope of our agreements, or for events beyond our reasonable control (including acts of government, hacking, unauthorized access, computer crashes, encryption breaches, or internet/telecom issues).

9. Changes to this Privacy Policy

The Company may update this Privacy Policy at any time, with or without notice. When significant changes occur, the updated policy will be posted on the website. If you object to changes and no longer wish to use the services, contact info@credhive.in to deactivate your account. Continued use after notice constitutes consent to the updated terms.

10. Children's and Minors' Privacy

The Company encourages parents and guardians to supervise minors online and consider parental control tools. Although the Company's websites and services are not intended for minors, their privacy is respected.

11. Consent to this Policy

This Privacy Policy forms part of the Terms of Use. Becoming a user signifies your consent to this Privacy Policy. Your visit to the website and use of the services are subject to this Privacy Policy and the Terms of Use.

12. Address for Privacy Questions

If you have any grievance or questions regarding our use of your information, please contact: info@credhive.in.