1. Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, date of birth, address, PAN, Aadhaar number, and other identification details.
• Financial Information: Credit score, income details, employment information, and other financial data necessary for our services.
• Technical Information: IP address, browser type, operating system, device information, and usage data collected through cookies and similar technologies.

2. How We Use Your Information

We use the collected information for the following purposes: To provide and manage our services, including credit score analysis and financial consulting. To process your requests and applications. To communicate with you regarding updates, offers, and promotional materials. To comply with legal obligations and regulatory requirements. To improve our Website and services based on user feedback and usage patterns.

3. Sharing of Information

We may share your information with:

• Service Providers: Third-party vendors who assist in delivering our services, subject to confidentiality agreements.
• Legal Authorities: When required by law or to protect our rights and interests.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity. We do not sell or rent your personal information to third parties for marketing purposes.

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is entirely secure, and we cannot guarantee absolute security.

5. Your Rights

You have the right to: Access and review your personal information held by us. Request corrections to any inaccuracies unauthorizedrmation. Withdraw consent for data processing, subject to legal and contractual obligations. Request deletion of your personal information, where applicable. To exercise these rights, please contact us at the details provided below.

6. Cookies and Tracking Technologies

Our Website uses cookies to enhance user experience. Cookies are small data files stored on your device. You can configure your browser to refuse cookies, but this may affect the functionality of our Website.

7. Third-Party Links

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

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically to stay informed about how we protect your information.

9. Contact Us

For any questions or issues related to payments or refunds, please contact: AV Management

• Email: support@avmanagement.in
• Website: https://cibil.avmanagement.in/