Privacy Policy

By using the website and/or registering yourself at Centrum Microcredit Limited (“CML”), you authorize us, our associates, group entities and our partners to contact you via email or phone call or SMS and offer you their services, imparting product knowledge, offer promotional offers running on website & offers offered by the associated third parties, as well as web aggregation. Personally identifiable information may be collected and you shall authorize us to give you a call from CML, our affiliates, group entities and/ or from associate partners for the above mentioned purposes. This Privacy Policy covers CML’s treatment of personally identifiable information that CML collects when you are on CML’s site, and when you use CML’s services. This policy also covers treatment of any personally identifiable information that CML’s business partners share with CML. This policy does not apply to the practices of companies; CML does not own or control or to people that CML does not employ or manage. CML collects personally identifiable information when you register, when you use certain products or service, when you visit CML’s pages. CML may also receive personally identifiable information from our business partners. Also during registration, you may be requested to register your mobile phone and email id or other device to receive text messages, notifications, and other services to your wireless device. By registration you authorize us to send SMS/email alerts to you for your login details and any other service requirements or some advertising messages/emails from us or any of our associates, group entities and our partners.

Type of Personal Information Collected
We may for the purpose of rendering services, collect personal information as described below:

1. Information that may be provided by you directly, such as:

  • Identification Information: Name, gender, residential / correspondence address, telephone number, date of birth, marital status, email address or other contact information;
  • PAN, KYC Status, Signature and Photograph;
  • Bank account or other payment instrument details;
  • Any other detail which may be required by us for providing services

2. Information that we may collect for our services, such as:

  • Transaction Information
  • Storage Information
  • Media Information
  • Device Information

3. Log File Information which shall be stored automatically:
If you visit/ log into our website just to browse, read pages or download information, certain information regarding your visit is automatically stored on our systems. This information cannot and does not identify you personally.
The kind of information that is gathered automatically include without limitation:

  • The type of browser you are using (e.g. Google Crome, Firefox, etc.),
  • The type of Operating System you are using (e.g. Windows or Mac OS) and
  • The domain name of your Internet Service Provider, the date and time of your visit and the pages on our website.

We sometimes use this information to improve our website(s) design, and content primarily to give you a better browsing experience.

Purpose of Collection and Usage of Information

On our site we collect, retain, and use information about you only when we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. Such information is collected for specified business purposes, such as:

  • To provide you with the services that might be required by you or to process your financial and non-financial transaction requests.
  • To check and process your applications which may be submitted for availing any financial services,
  • To share with you any updates/changes to the services and their terms and conditions,
  • To take up and investigate any complaints/claims/disputes,
  • To respond to your queries and feedback submitted by you,
  • Tor verification of your identity and other parameters,
  • To fulfil the requirements of applicable laws / regulations and / or court orders / regulatory directives better

Information Sharing and Disclosure

CML will not sell or rent your personally identifiable information to anyone other than as specifically noted herein. Notwithstanding the foregoing, CML may share, sell and/or transfer your personally identifiable information to an affiliate and/or group entities and/or associate partner/business partner. CML may also share, sell, and/or transfer your personally identifiable information to any successor-in-interest as a result of a sale of any part of CML's business or upon the merger, reorganization or consolidation of CML with another entity/ group.

The information provided by you may be disclosed to:

  • RBI/SEBI/ NSE/ BSE/ MCX /Asset Management Companies of Mutual Funds / Registrar and transfer Agents / Collecting Banks / KYC Registration Agencies (KRAs) and other such agencies, solely for the purpose of processing your transaction requests for serving you better.
  • Any judicial or regulatory body.
  • Auditors.
  • Associates, group entities, partners.
  • Other third party service providers.

We shall not publish the sensitive personal data or information or disclose it further, without your consent, for any purpose other than stated above.