Greetings from PULIKOT CREDITS AND INVESTMENTS PRIVATE LIMITED and welcome to Puli Credit. Your privacy stands as a cornerstone of our values, and we are dedicated to the meticulous safeguarding of your personal data. This Privacy Policy delineates our approach to the collection, utilization, preservation, and disclosure of your personal information, alongside our commitment to ensuring its security.
In this document, the collective reference to PULIKOT CREDITS AND INVESTMENTS PRIVATE LIMITED and Puli Credit is encapsulated in the terms "we" or "our".
We invite you to our loan service with a reassurance of our unwavering commitment to privacy. Through this policy, we aim to transparently convey our practices regarding your personal information, underscoring the rigorous protections we have implemented.
1. Connect With Us
For any queries or feedback regarding our Privacy Agreement or how we manage your personal information, please contact us using the following details:
Business Name: PULIKOT CREDITS AND INVESTMENTS PRIVATE LIMITED
CIN: U65993KL1997PTC011931
Email: [email protected]
Address: Xvi/967, Peedikaparambil Bldg, Ward No 16, Pampavally Road Mukkoottuthara P O, Erumeli Panchayath Kottayam, Kerala, 686510 India
We assure you of our dedication to address your concerns as quickly and effectively as possible.
2. Use of Your Data and Collection Practices
In the course of using our loan application, we are entitled to collect information in the following categories:
Personal Identifiers: Your name, modes of contact, birth date, etc.
Economic Details: Your financial earnings, debts, and related fiscal information.
Professional Information: Your job title, employer identification, etc.
Credit Analysis: Including your credit score and detailed credit history.
Supplementary Information: Communications with our service, customer feedback, and other pertinent details.
Collection Techniques
Your personal data is obtained via:
Direct inputs from your end.
Automatic collection functionalities within our application.
External sources for the verification of identity and fiscal conditions.
To deter financial malpractices and verify your loan eligibility, we require permissions for accessing your device's camera, photo album, and address book during the KYC diligence.
3. Permission Acquisition and Collection Protocol
For users aspiring to apply for a comprehensive loan via our application, consent must be provided to grant us access to the following device permissions:
Camera Access: The application is permitted to utilize camera functionalities to capture images or videos. This is crucial for loan applicants to furnish evidence of their identity, serving as a measure against financial fraud.
Location Services: Permission to access device location is necessary to verify the applicant's eligibility based on geographical service coverage. Loan services are not extended beyond predetermined areas, thereby necessitating location verification.
Contact List Access: The application is authorized to access and scrutinize the device's contact list. This involves checking for adherence to local regulations in India, including the validation of consecutive numbers, among other criteria, to mitigate financial fraud and credit risk.
It is important to note that all collected data will be subject to deletion upon the completion of the loan eligibility assessment, ensuring no permanent retention of such information.
4. Purposes Behind the Utilization of Collected Personal Information
Your personal information is utilized for purposes including:
Execution and processing of loan applications;
Evaluation for loan approval and conducting risk assessments;
Administration of loan accounts and facilitation of repayment schemes;
Communication purposes, including the provision of information regarding complementary products and services;
Improvement and decision-making processes for the betterment of our application and services;
Compliance with the requisite legal and regulatory standards.
5. Management of Personal Information Sharing and Transmission
Protecting your personal information from unauthorized disclosure is paramount to us. To this end, we do not sell, trade, or engage in the sharing and transmission of your personal data with third parties without obtaining your explicit prior approval or being prompted by legal requirements. When the process involves the sharing and transmission of personal information, we rigorously conform to the relevant legal standards and the guidelines of this Privacy Policy.
Through this approach, we employ comprehensive security measures aimed at maintaining the security and privacy of your personal information throughout its sharing and transmission process.
6. Proactive Data Protection Strategies
At the heart of our operations lies a steadfast commitment to the protection of your personal information. We adopt an integrated approach, combining leading-edge technical safeguards with comprehensive management protocols to ensure the protection, integrity, and confidentiality of your personal data.
Our use of advanced encryption technologies is pivotal, creating a fortified barrier around your personal information to shield it from unauthorized access and breaches.
We maintain an ironclad policy regarding access to personal information, allowing only a meticulously selected group of personnel access after thorough security screenings. Their activities and access levels are continuously monitored and audited to ensure compliance with our high data protection standards.
To maintain our defense against potential cyber threats, we engage in regular, rigorous security assessments of our data storage and processing infrastructures, applying necessary updates and enhancements to fortify our systems.
An organizational-wide privacy protection initiative underpins our efforts, characterized by exhaustive training programs tailored for our staff. These programs aim to instill a profound understanding of and competence in modern data protection techniques and privacy legislation, thereby ingraining privacy consciousness into our corporate ethos.
7. Cookies: Usage and Other Technologies Control
We implement Cookies and equivalent technologies for the purpose of user experience optimization, service customization, and statistical evaluation. The decision to enable or disable these Cookies is yours, yet opting out may lead to reduced functionality and service offerings within our app.
8. Loan Provider Information
Entity Name: PULIKOT CREDITS AND INVESTMENTS PRIVATE LIMITED
CIN: U65993KL1997PTC011931
Email Assistance: [email protected]
Certificate of Registration No.: 14·02219, issued by Reserve Bank of India
Address: Xvi/967, Peedikaparambil Bldg, Ward No 16, Pampavally Road Mukkoottuthara P O, Erumeli Panchayath Kottayam, Kerala, 686510 India
9. Revising Our Privacy Commitment
To accurately represent our data management practices and legal compliance, we may make revisions to this privacy agreement as needed. Significant changes will be communicated to you via established notification means to maintain transparency and trust.
We advise a thorough review of our Privacy Agreement before you proceed with our products and services. Should you require further information or have questions regarding any section of this agreement, please connect with us at any moment.
