Privacy Policy

1. Introduction

CIBIL FIXER ("we", "our", "us") respects the privacy of its customers and is committed to protecting personal information collected during the course of providing credit consulting, credit report analysis, dispute assistance, documentation support, credit profile review, credit improvement guidance and related advisory services.

This Privacy Policy explains how personal information is collected, used, stored, processed, disclosed and protected.

By accessing our website, communicating with us, submitting documents or availing our services, you consent to the practices described in this Privacy Policy.

3. Information We Collect

4. Sources of Information

Information may be collected from:

• Information provided directly by the customer
• Credit Bureau Reports
• Bank and NBFC Documents
• Customer-authorized representatives
• Legal and financial documents submitted by the customer
• Website forms and digital communications

5. How We Collect Information

Information may be collected through:

• Website Forms
• WhatsApp
• Email
• Telephone Calls
• Customer Meetings
• Credit Bureau Reports
• Documents Submitted by Customers
• Third Party Service Providers authorized by the customer

6. Purpose of Processing

Information may be used for:

• Credit Report Analysis
• Credit Profile Review
• Credit Improvement Guidance
• Dispute Preparation Assistance
• Documentation Assistance
• Customer Verification
• Service Delivery
• Customer Support
• Compliance Requirements
• Fraud Prevention
• Internal Record Maintenance
• Quality Assurance
• Training & Service Improvement
• Marketing & Awareness Activities
• Business Administration

7. Credit Improvement Services

CIBIL FIXER may process customer information to provide:

• Credit Report Review
• Credit Profile Assessment
• Credit Education
• Dispute Assistance
• Documentation Support
• Credit Improvement Guidance

Such services are intended to assist customers in understanding and improving their credit profile through lawful and legitimate processes.

8. Legal Basis & Consent

By submitting documents, making payments, communicating with us or availing our services, customers voluntarily consent to the collection, storage, processing and use of their information for lawful business purposes.

9. DPDP Act 2023 Compliance

CIBIL FIXER processes personal data in accordance with applicable Indian laws, including the Digital Personal Data Protection Act, 2023 and other applicable legal and regulatory requirements.

Personal data shall be processed only for lawful purposes connected with service delivery, compliance, customer support and business operations.

10. Electronic Communication Consent

Customer agrees that documents, communications and records exchanged through WhatsApp, Email, SMS, Website Forms or other digital platforms may be maintained as business records and used for service-related purposes.

11. Data Accuracy

Customers are requested to provide accurate, complete and updated information. Incorrect or outdated information may affect service delivery.

12. Customer Success Stories, Testimonials & Marketing Use

Upon successful completion of services, CIBIL FIXER may use customer testimonials, reviews, feedback, success stories, case studies and educational examples for awareness, training, business development and marketing purposes.

Wherever reasonably practicable, sensitive personal information including Aadhaar Number, PAN Number, OTPs, passwords, complete account numbers and other confidential identifiers shall be masked, anonymized, redacted or partially concealed before publication.

Such content may be published through:

• Official Website
• Google Business Profile
• Social Media Platforms
• WhatsApp Business
• Marketing Campaigns
• Presentations
• Brochures
• Educational Content
• Training Materials
• Franchise & Partner Programs
• Business Development Activities

By voluntarily submitting reviews, testimonials, feedback or participating in success-story documentation, customers consent to such lawful usage in accordance with this Privacy Policy.

13. Sharing of Information

We do not sell personal information.

Information may be shared where reasonably necessary with:

• Credit Bureaus
• Banks
• NBFCs
• Financial Institutions
• Legal Professionals
• Regulatory Authorities
• Government Agencies
• Technology Service Providers
• Authorized Employees
• Consultants
• Service Providers

14. Authorized Access

Customer information may be accessed by authorized employees, consultants, analysts and service providers strictly on a need-to-know basis for service delivery and operational purposes.

15. Data Storage

Customer information may be stored in:

• Physical Records
• Secure Computer Systems
• Cloud-Based Storage Solutions
• Backup Systems
• Authorized Software Platforms

16. Data Security

We implement reasonable administrative, technical and organizational safeguards to protect personal information against unauthorized access, misuse, loss, disclosure, alteration or destruction.

While reasonable efforts are made to protect customer information, no method of electronic storage, internet transmission or digital communication can be guaranteed to be completely secure.

17. Data Retention

Customer information may be retained for:

• Service Delivery
• Compliance Requirements
• Legal Obligations
• Audit Purposes
• Dispute Resolution
• Business Record Maintenance

Records may be retained for such period as reasonably necessary or as required by applicable law.

18. Customer Rights

Subject to applicable law, customers may request:

• Access to their personal data
• Correction of inaccurate information
• Information regarding processing activities
• Withdrawal of consent where legally permissible

Requests may be submitted through the contact details provided in this Privacy Policy.

19. Marketing Communication Opt-Out

Customers may opt out of promotional and marketing communications by contacting CIBIL FIXER.

However, service-related communications, transaction updates, compliance notices and customer support communications may continue where necessary.

20. Cookies Policy

Our website may use cookies and similar technologies to improve functionality, analyze traffic and enhance user experience.

Users may disable cookies through browser settings. Certain website features may not function properly if cookies are disabled.

21. Third-Party Websites

Our website may contain links to third-party websites.

CIBIL FIXER is not responsible for the privacy practices, content, security or policies of external websites and encourages users to review such policies independently.

22. Children’s Privacy

Services are intended only for legally competent individuals capable of entering into legally binding arrangements.

We do not knowingly collect personal information from minors without lawful authorization.

23. Data Breach Response

In the event of any actual or suspected personal data breach, CIBIL FIXER may take appropriate measures including investigation, containment, remediation and notification as required under applicable law.

24. Non-Affiliation Disclosure

CIBIL FIXER is an independent credit consulting, credit education, documentation assistance and credit profile advisory firm.

CIBIL FIXER is not owned, operated, authorized, endorsed by, affiliated with, associated with or acting on behalf of TransUnion CIBIL, Experian, Equifax, CRIF High Mark, Reserve Bank of India (RBI), any Bank, NBFC, Financial Institution, Government Authority or Credit Information Company unless expressly stated in writing.

Any trademarks, trade names or company names referenced in connection with services remain the property of their respective owners and are used solely for identification and informational purposes.

25. Policy Updates

CIBIL FIXER reserves the right to amend, modify, update or replace this Privacy Policy at any time.

Updated versions shall become effective upon publication on the website or through other appropriate communication channels.

27. Governing Law & Jurisdiction

This Privacy Policy shall be governed by and interpreted in accordance with the laws of India.

Any dispute arising out of or relating to this Privacy Policy shall be subject to the exclusive jurisdiction of the competent courts located in Nagaur, Rajasthan.

28. Relationship With Other Policies

This Privacy Policy should be read together with the Terms & Conditions, Refund & Cancellation Policy and Disclaimer Policy of CIBIL FIXER.

In the event of any inconsistency between this Privacy Policy and any other policy, the provisions of the applicable policy governing the specific subject matter shall prevail to the extent permitted by applicable law.