Privacy Policy

Welcome to GoodScore (Arthvit 1809 Tech Pvt. Ltd.) (Company, We, Us, Our).

We respect the privacy of our customers (You, Your, User) and have implemented necessary technical and organizational safeguards and measures in this regard, to ensure its compliance with applicable data protection laws (Applicable Law).

Your privacy is at the core of the way we design and build the services and products you know and love, so that you can fully trust them. We prioritize the establishment and maintenance of your trust. The Company places paramount importance on safeguarding the privacy and security of your Information (defined below).

This privacy policy (Privacy Policy) applies to Your use of the: (i) website of the Company, hosted at https://www.goodscore.app/privacy-policy (Website); and/or (ii) the Services (as defined under the Terms (defined below)); and/or (iii) Our applications on mobile platforms (App) (Website and App shall collectively be referred to as Platform), but does not apply to: (i) any third party websites that may be linked to Our Platform; and/or (ii) any individual or entity with whom We have any contractual relationship (including but not limited to the entities offering financial products on Our platform); and/or (iii) any relationships You may have with the business listed on Our Platform.

Our Privacy Policy may change at any time without prior notice. To stay informed about any changes, we recommend reviewing this Privacy Policy periodically. You agree that it is Your responsibility to review the Privacy Policy regularly.

It is clarified that the terms and conditions of the Company, available at https://www.goodscore.app/tnc (Terms), are an integral part of Your use of this Platform and the Services We provide should be read alongside with this Privacy Policy.

By using the Company’s Platform and the Services, You: (a) provide Your free, specific, informed, explicit, clear, unconditional and unambiguous consent to collection, storage, processing and use of the Information (defined below) You provide (including any changes thereto as provided by You) for any of the Services that We offer; and (b) consent to this Privacy Policy and Our Terms.

By choosing to provide Your Information (defined below) via the Platform or while availing Our Services, including but not limited to the categories of Information (defined below) mentioned in this Privacy Policy, You expressly consent to the Company’s use of Your Information (defined below) for the purposes listed in this Privacy Policy.

This Privacy Policy seeks to explain: (a) what information We collect, use, disclose, process, store, safeguard; (b) the manner and purpose of, including Our policies and procedures for, collecting, using, disclosing, processing, storing and safeguarding Your information when You visit Our Platform; (c) Your rights in relation to the Information (defined below) and the manner in which You may exercise them; and (d) the manner in which You may raise any complaints/grievances.

By accessing Our Platform or using Our Services, You agree to the terms outlined in this Privacy Policy. If You do not agree with this Privacy Policy, please refrain from using Our Platform and Services.

Information We collect

1.1

For utilization of the Platform, it is a prerequisite for You to share specific data during the registration phase and for Your activities on the Platform. We may collect this information in various places, such as account registration, contact us, or otherwise when You interact with Us including customer support. When You create an account with the Company (Account), or otherwise use the Platform, We may collect the following information about You:

(a) Your name;

(b) gender;

(d) date of birth;

(e) marital status;

(f) email address;

(g) mobile number or other contact information;

(h) location

(i) relevant emails and sms data

In addition to the above-mentioned information, any other personally identifiable information that You voluntarily give to Us when choosing to participate in various activities related to the Platform, such as chat, posting messages in comment sections or in Our forums, liking posts, sending feedback, and responding to surveys or for availing Our Services may also be stored by Us. However, please be advised that if You choose to share data about yourself via Your profile, online chat, or other interactive areas of the Platform, then all data You disclose in these areas is public and Your data will be accessible to anyone who accesses the Platform

1.2

If You agree to avail the Services on the Platform, We may also collect and store, including but not limited to the following sensitive personal data or information:

(a) credit card details;

(b) debit card details;

(d) signature;

(e) credit scores

(f) bank account details and know your customer ("KYC") documents such as PAN Card details etc

Information collected under Paragraph 1.1 and Paragraph 1.2 of this Privacy Policy shall be collectively referred to as Personal Information.

1.3

Pursuant to the Services availed by You from time to time, We may require You to provide additional information, as and when required, in order to comply with the Applicable Law or for additional services/products via the Platform, as and when offered. You may choose to provide such information if You wish to use the Services provided on the Platform.

1.4

Information automatically collected while using the Platform

When You interact with Our Platform, We automatically collect the following information about you:

(a)

Device Information and Activity Data

Your native actions that are integral to the Platform, including liking, re-blogging, or replying to a post, as well as other interactions with the Platform and other users via server log files, when You access/visit the Platform. This information does not reveal your specific identity (like your name or contact information) but may include device, activity and usage information, such as your IP/ MAC address, browser and device characteristics, operating system, language preferences, referring URLs, time-spent, device name, country, location, information about how and when You use Our Services and other technical information. We may also collect information about the screens/pages You view within Our Platform and other actions You take while using Our Platform. This information is primarily needed to maintain the security and operation of Our Services, and for Our internal analytics and reporting purposes including but not limited to customer related processes as set out under Paragraph 3.4 of this privacy Policy. We also collect information through cookies and similar technologies.

(b)

User log data

We will store your login information (registration date, date of last password change, date of the last successful login).

Personal Information and information collected under Paragraph 1.3 and Paragraph 1.4 of this Privacy Policy shall be collectively referred to as Information

Your consent

By choosing to provide Your Information via the Platform, including but not limited to the categories of Information as mentioned herein above, You expressly consent to the Company’s use of Your Information for the purposes listed in this Privacy Policy. From time to time, We may ask for Your specific consent to collect certain additional information in relation to the Services provided by the Platform. You may choose not to provide such information or You may withdraw Your consent at any time by adapting your privacy settings on Our Platform or by contacting Our customer support services at the address provided at the end of this Privacy Policy.

Use and processing of Your Information

3.1

We use and process Your Information to carry out Our contractual commitments towards You in connection with the Platform, for purposes based on legitimate business interests and to provide better Services.

3.2

We use and process Your Information to: (i) provide, measure, and improve Our Services and Platform; and (ii) create and maintain a trusted and safe and secure environment (such as complying with our legal obligations under Applicable Law and complying with Our policies). The Information collected from Our Platform allows Us to collect statistics about Our Platform to assess usage and effectiveness and to enhance the functionality of Our Platform and Services

3.3

We also use Your Information to perform internal operations necessary to provide Our Services, such as troubleshooting software bugs and operational problems, conducting data analysis, testing, and research to improve services, and monitoring and analyzing usage and activity trends. We also use Your Information to contact select customers to obtain feedback about Our Services and for statistical consumer research purposes.

3.4

Further, We may use and process Information collected about You via the Platform to:

(a) conduct know your customer (KYC) checks and other customer background checks required to be performed as per Applicable Law;

(b) Assist us or our business partners in facilitating and delivering services to you, process payments and your applications, communicate with you about products, services and promotional offers.

(c) Respond to queries, or requests submitted by you, and resolve your grievances/issues/problems regarding any services supplied to you.

(d) Administer or otherwise carry out our obligations in relation to any agreement with our business partners.

(e) Send information to you about special promotions or offers. We might also tell you about new features or products/services. These might be our own offers or products/services, or third-party offers or products/services with whom Paisabazaar.com has a tie-up.

(f) Use your information for internal analysis and to provide location-based services to you, such as advertising, search results, and other personalized content.

(g) Use this information to improve our platform, prevent or detect fraud or abuses of our Website and enable third parties to carry out technical, logistical or other functions on our behalf.We may combine information we get from you with information about you we get from third parties.

(h) Send notices, communications to you, and recommend services that might be of interest to you, update our records and generally maintain your accounts with us, display content and customer reviews.

(i) When you provide your contact details, we will use it to send general notices or important news to you about your account, request your feedback or opinions and provide updates on special deals and offers that might interest you.

(j) File storage permissions on android/iOS and Website for uploading customer documents are obtained for the purpose of processing customer applications by our Partners.

(k) Goodscore Website may based on your consent also take one time access of your camera, microphone, location and other facility for the purpose of service facilitation (including onboarding, collection of data for KYC), ease of access and logging in to our Website for the various services opted by you

(l) As otherwise provided in this Privacy Policy and in compliance with the applicable laws.

Disclosure/ sharing of Your information

4.1

By Applicable Law or to protect rights

If We believe the release of Information about You is necessary to respond to legal process, to investigate or remedy potential violations of Our policies, or to protect the rights, property, and safety of others, We may share Your Information as permitted or required under Applicable Law. This includes exchanging Information with other entities for fraud protection and credit risk reduction. We may disclose Your Information where We are legally required to do so in order to comply with Applicable Law, governmental requests, a judicial proceeding, court order, or legal process, such as in response to a court order or summons (including in response to public authorities to meet national security or law enforcement requirements).

4.2

Third-party service providers

We use third-party service providers to provide website and application development, hosting, maintenance, backup, storage, payment processing, analysis and other services for Us in connection with the Platform, which may require them to access or use certain Information about You to the extent required to perform such function. Our service providers and partners agree to strict confidentiality and data protection obligations.

Only required information will be shared with authorized third parties for the purposes of such verification.

We may share Your Information with third parties that perform services for Us or on Our behalf, including payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance.

We may share aggregated Information with third parties to carry out research and analysis to help Us improve the User experience of the App and test new technologies and processes designed to enhance and improve the Platform. We only use such Information to analyse how Users are communicating with the Platform in an effort to continuously improve it for You.

4.3

Marketing communications

With Your explicit consent, or with an opportunity for You to withdraw consent, We may share Your Information with third parties for marketing purposes, as permitted by Applicable Law.

4.4

Third-party advertisers

We may use third-party advertising companies to serve ads when You visit the Platform. These companies may use information about Your visits to the Platform and other websites that are contained in web cookies in order to provide advertisements about goods and services of interest to You.

4.5

Commercial partners

We may share Your Information with Our business partners to offer You certain products, services or promotions.

4.6

Sale or bankruptcy

If We reorganize or sell all or a portion of Our/ their assets, undergo a merger, or any change in control or ownership or are acquired by another entity, We may transfer Your Information to the successor entity. If We go out of business or enter bankruptcy, Your Information would be an asset transferred or acquired by such third party.

4.7

Performance of a contract

Where We have entered into a contract with You, We may process Your Information to fulfill the terms of Our contract.

We are not responsible for the actions of third parties with whom You share personal or sensitive data, and We have no authority to manage or control third-party solicitations. If You no longer wish to receive correspondence, emails or other communications from third parties, You are responsible for contacting the third party directly.

Storage, retention and deletion of Your Information

5.1

Information that the Company collects will be stored in India.

5.2

We will retain Your Information only for as long as it is necessary for providing You with the Services available on the Platform, to comply with legal obligations, or until You request the erasure or deletion of the Information or cease Us to process the Information, whichever is earlier, but in any case, We do not retain any of Your information beyond 10 (Ten) years from the date of onboarding, except where required by Applicable Law.

5.3

Post-termination of Your account, We may continue to use Your anonymised data aggregated or combined with other Users’ anonymised data. In cases where a User has violated the Terms of using Our Platform or submits a request that his/her Information be deleted from the Platform, we will promptly take necessary actions to delete Your information, in accordance with Paragraph 7.5.

5.4

If You wish to withdraw Your consent for processing Your Information, You may submit a request at Sahana HN (sahanahn@rupicard.com). However, We will continue to retain Information which is required to be retained under the Applicable Law. We may also be required to retain certain Information that You have shared in connection with the Services that You may have availed.

Tracking Technologies

6.1

Cookies and web beacons

We may use cookies, web beacons, when You access the Platform. Most browsers are set to accept cookies by default. You can remove or reject cookies but be aware that such action could affect the availability and functionality of the Platform. You may not decline web beacons. However, they can be rendered ineffective by declining all cookies or by modifying Your Apps’ web browser settings to notify you each time a cookie is tendered, permitting You to accept or decline cookies on an individual basis.

6.2

Internet-based advertising

Additionally, We may use third-party software to serve ads on the Platform, implement email marketing campaigns, and manage other interactive marketing initiatives. This third-party software may use cookies or similar tracking technology to help manage and optimize Your online experience with Us.

6.3

Security of your Information

We use administrative, technical, and physical security measures to help protect Your Information. While We have taken reasonable steps to secure the Information You provide to Us, please be aware that despite Our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse. Any Information disclosed online is vulnerable to interception and misuse by unauthorized parties. Therefore, We cannot guarantee complete security if You provide Information. Please also see Paragraph 9 below.

Your rights and choices

7.1

Access/rectify: Tools and account settings on the Platform can help You access, rectify or remove the Personal Information You provided to Us and associated with Your account directly within the service, apart from the Information which cannot be edited as provided in the Terms. You can also change the Personal Information You provided by editing Your profile directly in the Platform. In relation to the Information which is not editable, if You believe that such Information we hold about You is inaccurate, you may also contact Us at Sahana HN (sahanahn@rupicard.com) to rectify it.

7.2

Device Permission: Your device can have a permission system for specific types of device data and notifications, such as phone contacts, pictures, location services, push notifications and advertising identifiers. You can change the settings on Your device to either consent to or oppose the collection or use of any such corresponding information or the display of the corresponding notifications. Of course, if You do that, certain services may lose functionality.

7.3

Uninstall and account closure: You can stop all Information collection by uninstalling the App using the standard uninstall process for Your device. Remember that uninstalling an app does not close Your account. You can close Your account by using the corresponding functionality directly on the service.

7.4

Reviewing your information: You may have the right to review the Personal Information We keep about You, which may be called right of access, right of portability or variations of those terms. You can also request for a copy of Your Personal Information by putting in such a request on the Platform.

7.5

Delete/erase: You may request that We delete the Personal Information We keep about You. You can exercise Your right to delete by submitting a request on the Platform or contacting us anytime at Sahana HN (sahanahn@rupicard.com). Please note that this right to delete will be subject to Our retention requirements under Applicable Law. Further, if there is a request for such deletion or restriction of the processing of the User data, We reserve the right to suspend/terminate the provision of Services to such User.

7.6

Nominate: You shall have the right to nominate any other individual, who shall, in the event of Your death or incapacity, exercise Your rights in accordance with Applicable Law.

Your duties

You shall perform the following duties, including but not limited to:

8.1

comply with the provisions of Applicable Law;

8.2

ensure not to impersonate another person while providing Your personal data for a specified purpose;

8.3

ensure not to suppress any material information while providing Your personal data for any document, unique identifier, proof of identity or proof of address issued by the State or any of its instrumentalities;

8.4

ensure not to register a false or frivolous grievance or complaint with Us or the legal authorities; and

8.5

furnish only genuine and correct information as is verifiably authentic under the Applicable Law.

Information security

9.1

We adopt reasonable security measures designed to protect against unauthorised access to Your Information. These include periodic internal reviews of Our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorised access to Our systems where We store Your Personal Information. All Information gathered on Our Platform is securely stored within a controlled database. Access to the servers is password-protected, controlled, and is strictly limited.

9.2

We also audit Our security practices and procedures annually or as and when the Platform goes through a significant upgrade of its process.

10.

No children

Our Services are restricted to individuals who are 18 (Eighteen) years of age or older. We do not permit individuals under the age of 18 (Eighteen) to access Our Platform. If you suspect that a member is under the age of 18 (Eighteen), please use the reporting mechanism available on the Platform.

11.

Changes to privacy policy

11.1

We reserve the right to unconditionally modify, make changes to or update this Privacy Policy, at Our discretion, at any time and without assigning any reason whatsoever. Any changes shall be effective immediately upon the posting of the revised Privacy Policy. We are constantly looking for new ways to improve Our Services, including updating our Privacy Policy.

11.2

You are encouraged to periodically review this Privacy Policy to stay informed of any such modifications, changes or updates. You will be deemed to have been made aware of, will be subject to, and will be deemed to have accepted and consented to the changes in any revised Privacy Policy by Your continued use of the Website and/or the App after the date such revised Privacy Policy is posted.

11.3

The date on this Privacy Policy reflects the last amended date.

12.

Privacy questions and access

If You have questions, concerns, or suggestions regarding Our Privacy Policy, We can be reached at Sahana HN (sahanahn@rupicard.com). In certain cases, You may have the ability to view or edit Your Personal Information online. In the event Your Personal Information is not accessible online and You wish to obtain a copy of particular Personal Information You provided to Us, or if You become aware that the Personal Information is incorrect and You would like Us to correct it, or if You would like to exercise any of Your rights in relation to Your Personal Information, please contact Our customer support services via Chat Support . In the event where your queries/complaints are not resolved within [15 (Fifteen) days], you may contact our compliance officer immediately, available at Sahana HN (sahanahn@rupicard.com).

13.

Withdrawal of consent

13.1

Subject to legal and contractual requirements for providing Services to You, You can refuse to consent to Our collection, use, storage, retention, processing or disclosure of any Personal Information about You, or You may withdraw Your consent to Our further collection, use, processing, storage, retention or disclosure of Personal Information at any time in the future by writing to our compliance officer.

13.2

In the event You have a grievance regarding our privacy policy or data usage policy, or data usage practices, You may reach out to Our customer support services via Chat Support. In the event where Your queries/complaints are not resolved within [15 (Fifteen) days], You may contact Our compliance officer immediately:

(a) Compliance Officer: Sahana HN

(b) Email: sahanahn@rupicard.com

13.3

Upon the User opting out to withdraw such consent, the Company will not be under any obligation to provide the Services.

14.

Dispute redressal

The Users agree that the courts at Bengaluru, India shall have the exclusive jurisdiction to settle any legal action or proceedings arising out of Your use of this Platform.

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WHAT IS GOODSCORE?

GoodScore helps you build your credit score to 750+. Our credit score is powered by Experian and CRIF High Mark - 2 of the 4 credit bureaus authorised by Reserve Bank of India.

HOW DO WE WORK?

We give you access to your detailed credit report after a thorough analysis of your credit profile in the form of personalised video guidance and a step-by-step plan.

Our team analyses all your active and closed credit accounts, and credit behaviour including payment history, defaults, credit utilisation, loan enquiries and balances - all of which are important factors that impact your credit score.

WHY SHOULD YOU USE THE APP?

We have designed the GoodScore app to empower you to take control of your financial well-being. Let’s walk you through the key features:

Credit Score Tracking: Stay on top of your financial health by tracking your credit score every month. With a detailed credit report, you can easily monitor changes, spot discrepancies, and ensure your credit history is accurately reflected.
Score Improvement Tips: We help you identify key factors impacting your credit score, offering tailored advice on how to improve them. With our expert guidance, you can work towards reaching a credit score of 750 or higher.
Personalised Support: Receive a personalised video that explains your credit situation in detail, along with a step-by-step plan for improvement. Plus, enjoy 24x7 chat support to get real-time assistance whenever you need it.
Account Overview: Easily manage your financial portfolio by tracking all your loans and credit accounts in one centralised location. This streamlined approach helps you stay organised and keep an eye on all your financial obligations.
Payment Reminders: Never miss a payment again by setting timely reminders for your bills and EMIs. You can also set up autopay requests, ensuring your payments are always on time and helping you avoid late fees and interest charges.