Privacy Policy for CredCheck.Pro

Effective Date: 09th December 2023

1. INTRODUCTION

CredCheck.Pro, owned by private limited company 32INTACT HEALTHCARE PRIVATE LIMITED (hereinafter referred to as "Us," "We," or "Our" or "CredCheck Pro"), has established this Data Protection and Privacy Policy (hereinafter "Policy") for its product CredCheck Pro. This document outlines our practices concerning the collection, use, and disclosure of Personal Information obtained from users of CredCheck Pro and related services (referred to as the "Platform"). Please review the entire Policy carefully, as it constitutes a contractual agreement between the Customer or Candidate and Us, depending on the context and usage of Services.

This policy is applicable when you utilize CredCheck Pro and related services as a Customer or as a Candidate.

By accessing CredCheck Pro and related services and the Platform, you consent to the collection and use of information as outlined in this policy. If you have any uncertainties about the applicable standards or if you have comments or questions about this Policy, please reach out to us using the contact details provided in this Policy.

You retain various rights and standards related to the usage and processing of your data when you use CredCheck Pro, and these rights are detailed in this policy. You have the option to exercise these rights. However, it is important to understand that while exercising certain rights under this policy, you may limit the processing of information necessary to provide you with the services, either in part or in full.

2. APPLICABILITY

This policy is relevant to:

Customers:
- All customers who pay for background verification services accessible on the CredCheck Pro platform.
Candidates:
- All candidates subjected to background verification/check.
Website Visitors:
- All individuals visiting the CredCheck Pro website.

3. THE INFORMATION WE COLLECT

We require various types of information based on the services requested by the Customer to conduct background verification/check. This information serves to identify you as an individual and is classified as "Personal Information." Depending on the type of background verification requested by the Customer, CredCheck Pro may collect the following information:

Personal Identifier Information:

Name, date of birth, phone number, email address, residential address.
Government-issued identification documents (Aadhar, PAN, Voter ID, Driving Licence, Passport, etc.).
Additional documents for address verification (ration card, vehicle registration certificates, rental agreements, bank statements, utility bills, etc.).

Professional Information:

Previous employer details, roles, employee records, previous salary details, benefits, etc.
Relevant documents for verification, including salary slips, experience certificates, relieving letters, appointment letters, etc.
Professional reference checks upon customer request.

Education Information:

University details, course information, department, etc.
Verification through documents like degree certificates, consolidated mark sheets, or similar documents.

Criminal Background History:

Details on any pending criminal complaints or related history.
Verification of court records (civil and criminal) to identify any pending cases.
Global Database check to determine associations with serious and organized crimes globally.

Credit Information:

Credit score and credit history from relevant databases like CIBIL, EXPERIAN, EQUIFAX based on PAN information.

Sensitive Personal Information:

Information dependent on the nature of the check requested by the Customer.
If checks involve sensitive personal information, the Candidate will be informed, and specific consent will be obtained.
This may include medical information about the Candidate.
Note: The collection and processing of each type of information are conducted with the utmost confidentiality and adherence to privacy standards. Any sensitive information will only be obtained with explicit consent from the Candidate.

In addition to the above, from the Customers, CredCheck Pro may collect the following information:

Signup Information for Services:

Name: first name and last name
Contact information: email address and telephone numbers
User names (accounts alias) and passwords according to the product specifications to allow users to login and use the product
Company/Organization name
Company/Organization address

Billing and Payment Information:

Credit Card number, Debit card number, billing address, and other relevant information to facilitate transactions between you and CredCheck Pro when you make payment to us.

Usage Information:

Time zone and date/time preferences for product usage
IT information required to provide access to systems and networks, such as IP addresses, log files, login information, and encryption generation keys
Information pertinent to fulfilling business transactions on a customer behalf, such as files uploaded by a user to a product for processing, system-generated emails, and meta-data like logs for usage information and activity logs

Analytics Information:

Data collected from analytics tools like Google Analytics
Analysis of data collected from candidate feedback during their Background Verification (BGV) process
Analytics data collected when visiting our websites

Retention Policy:

All information collected is stored securely, and the retention period of each type of data is as per legal, regulatory, and business requirements. The information will be retained as long as necessary to fulfill the purposes for which it was collected unless a longer retention period is required or permitted by law.

Cookies:

Cookies are small data files placed on your computer or mobile device when you visit a website, mobile app, or use an online platform.
Cookies may be used by CredCheck Pro and its vendors for platform speed optimization and analytics purposes.
Most browsers allow you to turn off cookies or receive a warning before a cookie is stored on your hard drive.

4. HOW DO WE COLLECT YOUR INFORMATION

We collect your information through various methods as detailed below:

Information Provided to Us:
- CredCheck Pro collects information directly when Customers or Candidates submit information via our Platform, email, or any other means required to generate a background check report.
- This information may include personal details such as name, email address, or other relevant information needed to carry out our services.
Third-Party Information:
- To provide specific services and generate relevant background check reports, we may collect information from third parties with proper authorization.
- Third-party sources may encompass both private and public records, including:
  - Public Records:Information collected from government databases, court records, global databases, law enforcement agencies, or any publicly available records.
  - Private Records:With proper consent, CredCheck Pro may collect private records from educational institutions, employers, healthcare providers, and credit bureaus/agencies.
Automatically Collected Information:
- When Customers, Candidates, or any other individual visits our website or uses our services on our Platform, we automatically gather certain Internet or other electronic network activity information, including technical and usage information.
- This information, which may or may not be associated with your user account, assists in enhancing the performance of our systems.
- Automatically collected information is not shared with any third party.

5. WHO WE SHARE YOUR PERSONAL INFORMATION WITH

We share your Personal Information with a limited number of individuals/entities as mentioned below. We never share any Personal information with any other individual/entity/party that is not mentioned below. We share your Personal Information with:

Employees, Contractors, and Agents of CredCheck Pro:
- Individuals who require this information for performing their obligations and duties.
- Any Employee, Contractor, or Agent of CredCheck Pro with access to such Personal Information is obligated to maintain confidentiality and refrain from using it for any other purpose.
Sub-Contractors and Vendors:
- Sub-contractors and vendors contracted by CredCheck Pro to prepare verification reports.
- Personal Information of Candidates is shared with selected vendors and subcontractors on a “need-to-know” basis, adhering to industry standards and applicable data protection laws.
Customers and Candidates:
- We share the final background verification report with the Customer who requested such a report and the Candidate upon whom the report was requested.
- Exceptions to sharing with the Customer and Candidate are outlined in the clause below.
Legal and Regulatory Compliance:
- Personal Information may be shared through the background verification report with state police, national investigation agencies, or third parties as directed by a competent Court order.
- A copy of the Candidate background verification report may be shared with relevant stakeholders in case of litigation (threatened or actual) to defend the rights of CredCheck Pro.
Explicit Consent:
- Apart from the above-mentioned categories, reports will not be shared with any other third party without explicit consent or a written request from you.

6. PURPOSES FOR WHICH WE COLLECT AND PROCESS PERSONAL INFORMATION

We use Personal Information solely for the following purposes:

To Provide Services and Prepare Background Verification Reports:
- CredCheck Pro collects Personal Information to provide services to Customers, which includes preparing background verification reports, offering analytics for such reports, and facilitating the functionality of our products.
Business Operations:
- Information such as account details and billing information is used for day-to-day business operations, including administering accounts, billing, managing our platform, and resolving errors or discrepancies.
To Meet Legal and Compliance Requirements:
- Some collected information may be used to (i) comply with applicable laws or regulations, (ii) assist state police or national investigation agencies as required by law or deemed necessary in good faith, (iii) protect the legal rights and legitimate interests of CredCheck Pro and Dr. Ishit, (iv) prevent fraud and abuse of our services and Platform.
To Improve the Quality of Systems and Services:
- Personal Information may be utilized to enhance system functionality, conduct internal audits, address issues, and maintain and improve the security and quality of our Services.
To Ensure Safety and Security:
- We use collected Personal Information to verify existing information, prevent unauthorized or duplicate accounts, and mitigate fraud.

7. PROCESSING OF PERSONAL INFORMATION

CredCheck Pro acts as a “Processor” of data. We will only collect and process information based on the sole instructions provided by our Customers and as outlined in our contractual agreements. This Privacy Policy establishes the framework for processing any Personal Information.

We will process Personal Information solely for the purposes specified in this Policy and will not use it for any other purpose.
Technical, physical, and administrative measures will be implemented to protect against unauthorized processing, loss, destruction, or damage to Personal Information.
CredCheck Pro does not own, control, or direct the use of Personal Information. All Personal Information used to prepare background verification reports belongs solely to the Candidate. We access such information only as necessary and with the Candidate's consent to prepare reports at the request of our Customer.

International Transfers

There is no direct international transfer of Personal Information on the CredCheck Pro India platform. However, some data is stored on our Cloud platform provided by AWS in the United States.

Links to Third Party and Privacy Policy

Our Website may contain links to other websites that may collect Personal Information. CredCheck Pro and Dr. Ishit Karoli do not control or own such websites and cannot guarantee the protection of your Personal Information on these sites. We advise you to read the Privacy Policy of any third-party websites carefully and proceed at your own risk.

8. YOUR RIGHTS

You are entitled to certain rights with regard to your Personal Information and data. We prioritize informing you and safeguarding your rights, and we respond to all requests in accordance with applicable data protection laws. If you have any queries, you can write to us at admin@credcheck.pro.

Right to Rectification:
- You can request the correction of any personal information we hold about you to rectify any incorrect or inaccurate data. We may request relevant supporting documentation before making rectifications, depending on the nature of the services.
Right to Withdraw Consent:
- You have the right to withdraw your consent for the collection and processing of your personal information. Withdrawal of consent will immediately halt further progress in background verification. Candidates should understand that implications on potential or actual employment are beyond the scope of CredCheck Pro and Dr. Ishit Karoli, and you shall not hold us responsible for the same.
Right to Erasure of Personal Information:
- You can request the erasure of personal information we hold about you. If we do not hear from the Customer within 90 days from the date of intimation about such a request, we will proceed to delete the data from our systems. However, erasure requests may be denied if they affect legal rights in the future. Additionally, CredCheck Pro and Dr. Ishit Karoli have no control over data stored by third-party sources, subcontractors, and vendors used to generate background verification reports. To remove data from such sources, please identify them, and we may, at our discretion, assist in identifying third-party holders of your Personal Information.
Right to Request Access to Personal Information:
- You can request access to your Personal Information, allowing you to receive a copy of your data and verify if it is processed lawfully as per this Policy and applicable laws.
Right to Restriction on Processing of Personal Information:
- You can object to or request a restriction on the processing of your Personal Information. However, this will stop CredCheck Pro from carrying out and preparing the background verification report.
Right to Portability:
- You have the right to request the transfer of your Personal Information directly to you, as per your request and instructions. Additionally:
We will not charge fees for exercising your rights unless requests are excessive, in which case we may charge for administrative purposes or reject excessive requests.

To make requests regarding your Data-related rights, contact us at admin@credcheck.pro. While you can complain to relevant authorities about our data practices, we encourage you to first contact us with any questions or concerns. We respond to all requests in accordance with applicable data protection laws.

9. OUR POLICY TOWARD CHILDREN

CredCheck Pro or any aspect of its services is not intended for individuals under the age of 18. We do not knowingly collect personal information from individuals under 18 years old. If a Customer wishes to conduct a background check on someone under the age of 18, they must obtain informed consent from the guardian of such individuals at their own cost and risk. Individuals below the age of 13 are strictly prohibited from using our services.

If we become aware that a child under the age of 18, without the consent of their Parent/Guardian, or any child under the age of 13, has provided us with their Personal Information, we will take necessary steps to delete such information. CredCheck Pro will not assume any liability in such cases. If you become aware that a child has provided us with their Personal Information, please contact us using the details provided under the Contact Information section in this Policy.

10. SECURITY

We ensure the security of your data by hosting it securely with AWS cloud services, with data stored in AWS Regions in the United States and India. Our commitment to protecting your information involves implementing stringent technical, physical, and administrative measures to safeguard the data we collect. These measures are designed to prevent unauthorized access, modification, or disclosure of your data.

If you would like, we can provide you with a copy of our security policies for your review. We prioritize the security of your data and are dedicated to maintaining a safe environment for the information you entrust to us.

11. UPDATES TO THIS POLICY

CredCheck Pro reserves the right to modify any aspect of our products, platforms, or this Policy. We may update this Policy periodically by revising this page. We recommend checking this page regularly to stay informed about any changes. This Policy is effective as of December 9, 2023. By continuing to use our products and services, you consent to the Policy as updated from time to time.

12. COMMUNICATIONS

As a Customer or Candidate using CredCheck Pro's services, you may receive important communications from us. This includes product information, updates, and relevant announcements such as maintenance notifications for our products or website. These communications are necessary and are not considered marketing messages; you cannot opt out of them. To stop receiving these communications, you must deactivate your account.

13. CONTACT INFORMATION

If you have any questions regarding this Policy or wish to file a complaint about our data handling practices, please contact us at support@credcheck.pro.