Privacy Policy

1. Introduction

Welcome to Capex Credit Circle Private Limited ("Company," "we," "us," or "our"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.capexcreditcircle.in and use our services.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.

2. Information We Collect

2.1 Personal Information

We collect personal information that you voluntarily provide to us when you:

• Register for an account on our platform
• Apply for funding or financial services
• Subscribe to our newsletter or communications
• Contact us through our website or customer support
• Participate in surveys, promotions, or other activities

This information may include:

• Name, email address, phone number, and postal address
• Business information (company name, registration details, GST number)
• Financial information (bank statements, income details, credit history)
• Identity documents (PAN card, Aadhaar, passport)
• Account credentials and authentication information

2.2 Automatically Collected Information

When you access our website, we automatically collect certain information, including:

• Device information (device type, operating system, browser type)
• IP address and geolocation data
• Usage data (pages visited, time spent, navigation patterns)
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To process funding applications, manage accounts, and provide our financial services
• Communication: To send you updates, notifications, and respond to your inquiries
• Credit Assessment: To evaluate your eligibility for funding products (QuickCap, PostPay, Assisted Capital)
• Compliance: To comply with legal obligations, including KYC (Know Your Customer) and AML (Anti-Money Laundering) requirements
• Security: To protect against fraud, unauthorized access, and other security threats
• Improvement: To analyze usage patterns and improve our services
• Marketing: To send promotional communications (with your consent)

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

• Financial Partners: With banks, NBFCs, and lending partners for credit assessment and disbursement
• Service Providers: With third-party vendors who assist in operating our platform (payment processors, cloud services, analytics)
• Legal Requirements: When required by law, regulation, or legal process
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Credit Bureaus: For credit reporting and verification purposes

We do not sell your personal information to third parties for marketing purposes.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• Encryption of data in transit and at rest (AES-256, TLS 1.3)
• Secure access controls and authentication
• Regular security assessments and penetration testing
• Employee training on data protection practices
• Incident response procedures for data breaches

While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services and maintain your account
• Comply with legal obligations (typically 7-10 years for financial records)
• Resolve disputes and enforce our agreements

When retention is no longer required, we securely delete or anonymize your information.

7. Your Rights

Under applicable data protection laws, you have the following rights:

• Access: Request a copy of your personal information
• Correction: Request correction of inaccurate or incomplete data
• Deletion: Request deletion of your data (subject to legal retention requirements)
• Portability: Request transfer of your data in a structured format
• Objection: Object to processing for marketing purposes
• Withdrawal: Withdraw consent for processing (where applicable)

To exercise these rights, please contact us at privacy@capexcreditcircle.in.

8. Cookies and Tracking

We use cookies and similar tracking technologies to enhance your experience. These include:

• Essential Cookies: Required for basic site functionality
• Analytics Cookies: Help us understand how visitors use our site
• Marketing Cookies: Used to deliver relevant advertisements

You can manage cookie preferences through your browser settings. Note that disabling certain cookies may affect site functionality.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

10. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately.

11. Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of material changes by posting the updated policy on our website and updating the "Last Updated" date.

12. Grievance Officer

In accordance with the Information Technology Act, 2000, and the rules made thereunder, the name and contact details of the Grievance Officer are provided below:

13. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at: