Privacy policy

Last Updated Date: 01-Oct-2017

This Online Privacy Policy applies to the websites of CRIF High Mark Credit Information Services Pvt. Ltd ("CHM "). This policy document explains how CHM collects, uses, and shares information from, or about you when you visit this website and other CHM websites.

CHM reserves the right, at its discretion, to change this Online Privacy Policy at any time without prior notice. The caption "Last Updated" at the top of this policy document indicates the date on which the most recent updates were made to this document. Any changes to this policy will become effective upon posting of the revised content on this site. Your use of the site following these changes means that you accept the revised policy. Please check the policy each time you use this website for the most current information.

The Information We Collect About You

This CHM Online Privacy Policy applies to all information we receive online from you and about you in connection with an online transaction or request.

The information, if any, which CHM collects from or about you (while you are accessing and using our web site covered by this privacy policy) depends on what you do while you access this web site. CHM does not collect any personal information of visitors to the site unless they are accessing the section /domain specific to CHM Members.

Whenever you do: (a) register or fill out details at this website, (b) request disclosure of credit reports, (c) become a Member of CHM then CHM does collect personally identifiable information, or business organization identifiable information from you or about you online. However, in these situations CHM collects only such information from you and about you as is required to process your request, and to verify your identity. When you provide information, through this website, CHM may use it for various purposes as allowed by the Credit Information Companies Regulations Act, 2005, Rules and Regulations (the “Act”) thereof and all such amendments and/ or modifications as may be made to the Act from time to time. Based on the nature of your transaction with CHM, you may need to provide CHM certain personally identifiable consumer information, such as first and last name; residential address, billing address, or other physical address; email addresses; telephone numbers; identity information like PAN, Passport, Ration card, Voters ID; surrogate information such as date of birth, gender, names of related parties such as father's name, spouse name, etc. (collectively, "Personally Identifiable Consumer Information"). In general, CHM will use the information collected from you for the purpose for which you provided such information. CHM will not release your Personally Identifiable Consumer Information to third parties except: (1) as necessary for us to process your transaction, or (2) as permitted by law, or (3) as required by the government, law enforcement, or an order of the court.

How do we use the Information we collect

CHM uses the information collected about you to handle the requests you make to CHM. When you, as an individual or as an authorized user of a registered Member of CHM, make a request, the information CHM collects from you is only used to handle those requests.

Security aspects

CHM understands the confidentiality of personal information contained in credit reports, and safeguards the privacy of all information you provide to this Web site. To ensure that your credit information remains secure and confidential, CHM uses SSL technology to encrypt the data you provide on this website before transmission to our computers. Encryption is a way of coding the information in a file such that if it is intercepted by a third party as it travels over a network, it cannot be read. Only the person or persons that have the right type of decoding software can unscramble the message. Thus only CHM or its authorized representatives can read your encrypted information. Kindly ensure that your browser is enabled to support the recommended 128-bit key length encryption.

Additionally, CHM have security protocols and measures in place to protect from unauthorized access or alteration, the personally identifiable information, business organization identifiable information and other information CHM maintains about you. These measures include internal and external firewalls, physical security and technological security measures, and encryption of certain data. When personally identifiable information is disposed of, it is disposed of in a secure manner.

You also have a role in protecting the security of information about you. For example, you should guard your password and not permit unauthorized use of your credentials. Additionally, to protect your personal privacy or business organisation information, you should close the browser when you have finished viewing your information.

Using and Sharing Information

At times, CHM may make information available to third parties that are financial and non-financial companies not related by common ownership or control, such as service providers, membership organizations, government agencies, courts, legal investigators, and other non-affiliated third parties as requested by you or your authorized representative, or otherwise when required or permitted by law.

Policy Regarding Children

We define children as individuals under the age of 18. This website is not intended for the use of children and CHM does not knowingly solicit or collect information from children.

Disclaimer

THIS WEBSITE IS PROVIDED BY CHM ON AN “AS IS” BASIS. CHM MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS WEBSITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS WEBSITE. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAWS, CHM DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. CHM WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS WEBSITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES.