We express our sincere gratitude for your selection of Gate Loan by CREDIT GATE 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 CREDIT GATE PRIVATE LIMITED and Gate Loan.

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. Uses of Personal Information

We use the personal information collected for:
The processing and facilitation of your loan application;
Assessing and approving loans while conducting risk management assessments;
Administration of loan accounts and management of repayment processes;
Engaging with you to offer information on related products and services;
Making informed enhancements to our loan application and overall services;
Compliance with all relevant laws and regulatory requirements governing our operations.


2. Personal Information Collection and Use

The types of personal information we may collect and process include:
Personal Identifiers: Such as your full name, residential address, email, and contact number, for identification and communication.
Technical Specifications of Your Device: Including the model of your device, the operating system it runs on, and its unique identifiers, to better our products and conduct statistical research.
Operational and Error Logs: Information on your usage of our products and services, including any logs of operations and errors, to enhance our product offerings and provide support.
Location Data: With your consent to use location services, we collect information about your current location to offer and optimize services based on your geographical position.
Additional Personal Details: Any other information you provide during your use of our products and services.

Methods of Data Collection
Our methods for collecting your personal information include:
Direct submissions from you.
Automated collection during your use of our loan application.
Acquisition from third-party collaborators for identity verification and financial assessment purposes.
To safeguard against financial fraud and assess your loan eligibility accurately during the KYC (Know Your Customer) process, we require permissions related to your device, including access to your camera, photo album, and contacts.



3. Granting of Device Permissions

To proceed with a full loan application within our app, users must consent to the following device permissions:

Camera Functionality: The app needs permission to activate the device's camera to capture images or videos, a requirement for applicants to provide proof of identity. This step is integral to the prevention of financial malpractice.

Location Verification: Permission for the app to access your device's location information is critical for determining if the loan services are applicable within your locality. Areas outside the service scope render applicants ineligible for loan services.

Contacts Scrutiny: Allowing the app to access the device's contact list enables us to perform checks, including compliance with India's local regulations and the detection of sequential numbers, which helps in mitigating potential financial fraud and reducing credit risk.

All information gathered will be securely deleted after the loan eligibility process is concluded, ensuring no information is retained indefinitely.


4. Comprehensive Personal Information Protection Measures

Our dedication to the security of your personal information is unwavering. We employ a holistic strategy that combines the latest in technical defenses with rigorous management policies to safeguard your personal data's safety, integrity, and privacy.

Leveraging top-tier encryption technology stands as a cornerstone of our data protection strategy, effectively securing your personal information against unauthorized access and cyber threats.
We enforce a strict limitation on who can access personal information, ensuring it is confined to personnel who have passed extensive security clearances. Their access rights are carefully managed and regularly reviewed to prevent data misuse.
Our proactive stance on security involves frequent assessments and updates to our data storage systems, ensuring they meet the highest standards of security and are resilient against unauthorized intrusion.
A pivotal aspect of our data protection strategy is our privacy protection training program for employees. This program is comprehensive, covering the latest data protection laws, ethical handling of personal information, and best practices in privacy security, thereby cultivating a strong culture of privacy awareness within our organization.


5. Management of Personal Information Sharing and Transfer

We place the utmost importance on the privacy and security of your personal information. It is our policy not to sell, trade, or otherwise share your personal data with third parties without your prior consent, except as may be necessitated by law or regulation. In instances where the sharing or transfer of personal information is required, we commit to strictly adhering to the laws and regulations as well as the provisions of this Privacy Policy.

We will undertake reasonable precautions to ensure the protection of your personal information's security during such activities.


6. Privacy Support Contact

If you require information, wish to express concerns, or have comments regarding this Privacy Agreement or the processing of your personal information, please contact us at:
Name of Company: CREDIT GATE PRIVATE LIMITED
CIN: U46498MH1990PTC295796
Email:
Mailing Address: 27, Vivekananda Road Kolkata, West Bengal, 700027 India
We aim to respond to and resolve all inquiries with utmost efficiency.



7. Loan Provider Overview

Name of Loan Provider: CREDIT GATE PRIVATE LIMITED
CIN: U46498MH1990PTC295796
Email Support:
Address: 27, Vivekananda Road Kolkata, West Bengal, 700027 India


8. Updates to Privacy Agreement

To stay in compliance with national legislation and our own evolving practices regarding personal information, we may from time to time make amendments to this privacy agreement. Should any significant changes occur, we will inform you through established communication methods.



Prior to accessing our products and services, we ask that you carefully read and understand this Privacy Agreement. For any questions or uncertainties you may encounter, our support team is always on hand to provide assistance.