We express our sincere gratitude for your selection of WWS Credit by WELLWISHER SALES PROMOTION PRIVATE LIMITED. Assuring the security and respect for your personal data stands as our foremost priority. The ensuing Privacy Policy delineates our approaches towards the accumulation, application, conservation, and distribution of your personal information.
Throughout this document, the terms “we” and “our” are used interchangeably to denote the collective entity of WELLWISHER SALES PROMOTION PRIVATE LIMITED and WWS Credit.
The purpose of this policy is to inform you about our protocols concerning personal data on mobile platforms. We advise you to carefully examine the following to understand our data handling procedures.
1. Loan Provider Profile
Provider Name: WELLWISHER SALES PROMOTION PRIVATE LIMITED
CIN: U51909GJ1995PTC094122
Customer Support Email:
Address: C/O R.K.Daga 188/1f, Manicktala Main Road Kolkata, West Bengal, 700054 India
2. Data Sharing and Transfer Safeguards
Your personal information's privacy and security are paramount to us. We guarantee not to sell, barter, or disseminate your personal data to any third party without obtaining your prior explicit approval, except in instances mandated by legal or regulatory obligations. Should circumstances necessitate the sharing or transferring of personal information, our actions will be governed by strict compliance with relevant laws and the directives outlined in this Privacy Policy.
Measures of reasonable diligence will be taken to ensure the protection of your personal information against unauthorized access or breaches.
3. Collection and Use of Personal Information
When engaging with our loan application, we may gather personal information as follows:
Primary Information: Such as your legal name, means of communication, and birthdate.
Financial Information: Details on your income and debt obligations.
Employment Data: Information concerning your profession and your employer.
Credit Standing: Your credit score and detailed reports on your creditworthiness.
Other Communications: Your interactions with our service, including feedback and other relevant communications.
How We Collect Your Data
We acquire your personal information through:
Direct provision by yourself.
Automated mechanisms upon application usage.
Third-party verification of your identity and financial status.
To avert financial fraud and accurately assess your eligibility for our services, we will request permissions to access certain functionalities of your device, including the camera, photo library, and contact list, as part of our KYC requirements.
4. Purposes of Personal Information Utilization
We utilize your personal data with the objectives of:
Delivering the products and services you solicit, whilst enhancing their quality and your user experience.
Addressing your feedback or complaints and maintaining communication with you.
Offering personalized suggestions and tailoring our services to meet your needs.
Undertaking market studies and statistical evaluations to refine our products and services.
Adhering to legal and regulatory mandates, safeguarding both our and your legitimate interests.
5. Consent for Data Collection and Use
Applicants desiring to secure a full loan through our app must agree to allow the following permissions on their devices:
Camera Usage: Authorization for the app to access the camera for taking photos or recording videos is essential. This facilitates the verification of applicant identity, a critical step in preventing financial deceit.
Geolocation Access: Granting the app permission to access your location is required to confirm service availability in your region. Service provision is limited to specific geographical locations, and verification ensures compliance.
Access to Contacts: The app's access to your address book is necessary for conducting checks on your contacts. This includes ensuring the numbers meet the legal standards in India and identifying any sequential numbers to avert financial fraud and lessen credit risks.
Please be aware that all data gathered during this process will be expungedly removed from our systems following the evaluation of loan qualification, with no long-term data storage.
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. Privacy Agreement Adjustments
As our practices in handling personal information evolve and as we aim to stay compliant with legal requirements, updates to this privacy agreement may be necessary. In the event of critical changes, you will be notified through suitable means to stay informed of our privacy practices.
8. Cookie Preferences
Our platform employs Cookies along with other related technologies to elevate your experience, tailor services, and analyze usage data. You are at liberty to manage your Cookie preferences. Declining Cookies, however, may limit the functionality and services available to you.
9. Personal Information Accessibility and modification
Your entitlements include accessing, editing, or removing your personal data within our database. Should you wish to proceed with any such actions, kindly initiate contact with us through our official communication channels. We assure swift assistance in facilitating your personal data inquiries and modifications.
10. Getting in Touch
For questions, remarks, or issues related to this Privacy Agreement or the way your personal information is processed, contact us at:
Corporate Name: WELLWISHER SALES PROMOTION PRIVATE LIMITED
CIN: U51909GJ1995PTC094122
Email:
Address: C/O R.K.Daga 188/1f, Manicktala Main Road Kolkata, West Bengal, 700054 India
We are dedicated to promptly and efficiently addressing your concerns.
It's important to us that you fully understand our Privacy Agreement before using our products and services. If any aspect of this agreement raises questions, please feel free to contact us for detailed explanations.