Urja Money Private Limited, a company incorporated under Indian laws having its registered office at Ground Floor, Khatau Building, 8-10 Alkesh Dinesh Mody Marg, Fort, Mumbai - 400001 hereinafter referred to as “Urja Money” operates the web site accessible from the URL https://creditmate.in (the 'Web Site').

Urja Money will endeavour to protect your privacy and utilizing technology that gives you the most powerful, safe, online experience that you can get anywhere else.

Urja Money does, however, gather certain information that is provided by you to the Web Site. Urja Money believes that by collecting this information Urja Money is able to provide you with a personalised web experience, and to assist its own field team, partners, affiliates, dealers and advertisers in efficiently reaching an appropriate audience.

Urja Money requests the minimum information it believes necessary to achieve this goal. The following discloses Urja Money's information gathering and dissemination practices for the Web Site:

System Data:

Urja Money uses your IP address to help diagnose problems with our server and to administer the web site. Your IP address is used to identify you and your page visits and to gather broad demographic information.

Registration Data:

The Web Site's registration form may require users to give us contact information (including but not limited to user’s name and e-mail address), unique identifiers (including but not limited to user’s PAN Number, Aadhaar Card) and demographic information (including but not limited to user’s pin code, age or income level). The Web Site uses customer contact information from the registration form to send these users, information about Urja Money and CreditMate as well as promotional material from some of its dealers and partners/affiliates. The customer's contact information is also used to contact the visitor when necessary. Demographic and profile data is also collected at the Web Site. We use this data to tailor the visitor's experience at the Web Site, showing them contents that we think they might be interested in, and displaying the contents according to their preferences. This information is shared with advertisers on an aggregate basis

Links and Co-Branded Sites:

The Web Site may contain links to other Websites which are not necessarily been screened or reviewed by Urja Money. Urja Money is neither responsible for the privacy practices or the contents of such Websites nor shall be held answerable for the inaccurate, inappropriate or offensive data, material, information, products and services that may be viewed on those sites.

Order Forms:

The The Web Site uses an order form for customers and dealers to request information, products and services. The Web Site collects visitors' contact information (including but not limited to user’s e-mail address), Phone Number and demographic information (including but not limited to user’s pin code, age or income level). Contact information from the order form is used to send orders, information about Urja Money, and promotional material from some of Urja Money partners affiliates to the visitors of the Web Site. The visitor's contact information is also used to get in touch with the visitor when necessary.

Surveys and Contests:

The Web Site's online surveys ask visitors for contact information (including but not limited to user’s e-mail address) and demographic information (including but not limited to user’s pin code, age or income level). The Web Site uses contact data from its surveys to send the user information about Urja Money and promotional material from some of Urja Money partners. The customer's contact information is also used to contact the visitor when necessary. Demographic and profile data is also collected at the Web Site. The Web Site use this data to tailor its visitor's experience at the Web Site, showing them content that it thinks they might be interested in, and displaying the content according to their preferences. This information is shared with advertisers on an aggregate basis.

Urja Money may run contests on the Web Site in which we ask visitors for contact information. Urja Money uses contact data from its contests to send users, information about Urja Money and promotional material from some of our partners. The customer's contact information is also used to contact the visitor when necessary.

Third-Party Advertisement Servers:

Urja Money may engage the services of an outside advertisement company to display advertisement on the Web Site. These advertisements may contain cookies. While Urja Money uses cookies in other parts of the Web Site, cookies received with banner advertisements are collected by the Advertisement Company, and Urja Money does not have access to this information.

Protection of your Data and Information:

The privacy and protection of your data and information provided to us is of vital importance. Urja Money shall endeavor to safeguard the security and confidentiality of any information you share with us. Any personally identifiable information of the customers obtained by us shall not be used or shared other than for the purposes to which the customers’ consents. However security and confidentiality of information cannot be guaranteed 100 (hundred) percent. Hence despite our utmost efforts to protect your personal information, Urja Money cannot warrant the security of any information you transmit to us through our online services. Such transmission of your personal information is done at your own risk and user will not hold Urja Money liable for any breach of such data whatsoever.

Disclosure of Customer Information

Urja Money shall not deliberately disclose customers’ personally identifiable information to any unauthorized third person, save and except where such information shall be disclosed in good faith and for the purpose of law for the time being in force or to protect the rights and property of Urja Money or at any given time when the website or servers of Urja Money gets hacked due to reasons beyond control of Urja Money and Urja Money’s reasonable endeavors to keep the data safe.

Public Forums:

The Web Sites may make chat rooms, forums, message boards and/or news groups available to its users. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information.

Supplemental Information

The Web Site supplements the information that you provide with information that is received from third parties.

Children's Guidelines:

DOES NOT collect online information from children without prior parental/guardian consent or parental/guardian notification, which will include an opportunity for the parent to prevent use of the information and participation in the activity. Without prior parental consent, online information will only be used to respond directly to the child's request and will not be used for other purposes without prior parental consent;

DOES NOT collect personally identifiable offline contact information without prior parental consent; DOES NOT distribute to third parties any personally identifiable information without prior parental consent;

DOES NOT give the ability to publicly post or otherwise distribute personally identifiable contact information without prior parental consent; and DOES NOT entice by the prospect of a special game, prize or other activity, to divulge more information than is needed to participate in the activity.