Privacy Policy

Privacy Policy

1. Iyer and Associates respects your private sphere. When processing personal data, we attach great importance to protecting your private sphere and ensuring that your data is secure. This privacy policy tells you about the data we process, why we need them, and how you can lodge an objection to the processing of your data.

2. We collect, process and store personal data (including IP addresses) only as permitted by law or if you have given your consent, for example when registering for an event or a service.

3. What personal data do we collect?

a. The personal data we collect is limited to information regarding our relationship with you. This includes contact information, such as name, phone number, address or email address, as well as information relating to your use of our website. Information that cannot be linked to your identity (e.g. statistical information, such as the number of users of our online services) is not considered to be personal data.

4. How do we collect personal data?

a. In general, we collect personal data in the following cases: when you apply for an analysis of your credit score report; when you visit our website; when you communicate with us directly; when you participate in a survey on our website or social media; or when you provide personal data for other purposes. In all cases, we process your data only for a specific purpose, and that purpose is known to you.

5. Do we pass your data on to third parties?

a. As a matter of principle, we pass your personal data on to third parties, including, but not limited to, Credit Information Companies licensed by the Reserve Bank of India, only if we are authorized by law to do so or if you have given your consent. When data is transmitted abroad, we comply with the relevant legal provisions (guaranteeing appropriate protection).

b. External service providers, including, but not limited to, Credit Information Companies licensed by the Reserve Bank of India, that process your data provide by us to them on your behalf are legally obliged to comply with the data protection laws. However, we do not guarantee that such external service providers are capable of safeguarding data. 

6. How long do we retain your personal data?

a. We retain your data as long as is necessary for our business relationship with you, or as long as we are legally obliged to, whichever is longer. We delete your personal data in all other cases.

7. What data is processed when you use our website?

a. In general, you may visit our website without providing personal information. When you visit the website, our servers make a temporary record of each access in a log file. The following technical data are collected and stored until they are automatically deleted after no more than seven months: 

i. The IP address of the computer used to access the site

ii. The date and time of access

iii. The website from which access was obtained, as well as the search term used, as applicable

iv. The name and URL of the accessed file

v. The search queries used

vi. Your computer’s operating system (shown by the user agent)

vii. The browser you are using (shown by the user agent)

viii. The type of device, if access is obtained through a mobile telephone

ix. The transmission protocol used

b. By collecting and processing this data, we promote system security and stability, allow for error and performance analysis, and serve internal statistical needs. This also enables us to optimize our services. In addition, IP addresses are used to pre-set the website language. Finally, we insert cookies and use cookie-based applications and tools when users access our website. More detailed information can be found below.

8. What are cookies, and when are they used?

a. Cookies are small text files that are placed on your computer when you visit our website. When you return to the website, your browser transmits the information contained in the cookies back to us, and this allows the system to recognize your terminal device. With the help of cookies, we are able to optimize our website and facilitate its use.

b. When you visit our website, a popup message informs you of our use of cookies and of the fact that visiting the site implies your consent.

c. If you opt not to permit the use of cookies, you may deactivate and delete all cookies at any time. For more information, consult your browser’s help function. If you choose to deactivate cookies, however, our website may no longer be available to you. The deactivation or deletion process must be repeated if you use a different browser or terminal device.

9. How do we use tracking tools? 

a. We need statistical information about the use of our services to make them more user-friendly, measure their range and conduct market research. We use web analytics tools for this purpose, specifically Google Analytics or social media pixel. The user profiles we create using these tools and cookies are not linked to personal data. The tools do not use visitors’ IP addresses, or they abbreviate them immediately after the information is collected.

b. In addition to the data listed above, we gather the following information:

i. The user’s navigation path on the website

ii. The length of time the user spends on the website or subpage

iii. The subpage from which the user leaves the website

iv. The country, region or city from which the website is accessed

v. The terminal device (type, version, color depth, resolution, width and height of the browser window)

vi. Repeat or new visitor

c. This information is used to analyze website use. If you want to deactivate Google Analytics, you will find the necessary browser add-on at http://tools.google.com/dlpage/gaoptout?hl=de. As explained in the previous section, you can avoid the creation of a user profile by deactivating the use of all cookies.

10. Social media

a. Our website contains plugins and links to several social networks (Facebook, LinkedIn, Whatsapp, etc). The links are marked with the logos of the providers. Clicking on a link takes you to the relevant social media platform, where this privacy policy does not apply. The provisions that apply there can be found in the privacy policy posted on the respective provider’s website.

b. Personal information is not transmitted to the social media provider until you click on a link or plugin. By accessing the linked site, you are allowing the provider to process your data. We have no influence over such data processing, nor do we have information about the extent of data collection, the purposes for which the data are processed, or the retention period. We have no information about the deletion of data by the plugin provider.

11. What rights do you have concerning your personal data?

a. You have the following rights:

i. You are entitled to request information about your stored data.

ii. You may request that your personal data be corrected, supplemented, blocked or deleted.

iii. If you have consented to the processing of your data, you may revoke that consent at any time, effective going forward.

b. You may do so via letter or email. See below for details.

12. Data security

a. We use appropriate technical and organizational security measures to protect stored personal data against manipulation, partial or total loss, and unauthorized access by unrelated third parties. Our security measures are continually upgraded as technology advances.

13. Amending this data protection policy

a. We reserve the right to amend or supplement this policy at any time, as we see fit and in accordance with data protection law. Please consult this policy on a regular basis.

14. Contact

a. If you have questions about your rights concerning your personal data or related issues, please contact:

Iyer and Associates

G3, KKR Vajra, 155/A3, 1stMain Road

4th Block, RMV Extension Stage-II

Lottegollahalli, Bangalore – 560094 (India)

clientsupport@iyerandassociates.com

Terms of Service

By using this website for 'Iyer and Associates’  services or by accepting our said services offline: You understand that Iyer and Associates, our authorised agents, employees, and authorised representatives are credit rectification services providers.

1. You acknowledge that we are not related to any Credit Information Company (“CIC”) as defined under The Credit Information Companies (Regulation) Act, 2005.

2. You understand that you are hereby authorising us to requisite credit information from credit institutions and / or CICs.

3. We shall obtain the credit information and use such information for:

a. Enabling you to know your own credit information

b. Enabling you to make effective credit taking decisions

c. Review and evaluate your current credit score

d. Provide analysis and recommendations to increase your credit score

e. To take a credit decision in relation to a person for whom you have acted as guarantor

4. In relation to the activities specified above, and any other activities that we may become involved in in the future, you understand that we make no guarantee of an actual increase, change, variation, or improvement in your credit score.

5. You understand and acknowledge that your credit score reflects your own historical credit behaviour. We shall not be liable for failing to improve, change, increase or vary your credit score, and shall not be held liable for failing to improve, change, increase or vary your credit score, by you or any other persons.

6. You are aware that you have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly, and that by availing our services, you are merely appointing us as your authorised representative (collectively, “We”) to dispute such inaccuracies, if any, on your behalf.

7. You understand that neither you nor we have the right to demand removal of correct, accurate, current, and verifiable information removed from your credit report, and that we shall not be held responsible for the CIC’s refusal to remove such correct, accurate, current, and verifiable information.

8. We are not liable to refund any payment for the above services, and any decision to initiate such refund by us is subject to our discretion. Refunds, if any, at our sole discretion, shall be provided by cheque issued to the account holder and account number from which payment was initially received. Upon receiving this cheque, you acknowledge that this refund is provided by us at our sole discretion. You understand and acknowledge that you have never had, nor in the future will have, any claim or dispute regarding your interaction with us.

9. We will make our best efforts to safeguard your information provided in terms of our privacy policy and use this information only to obtain your credit information from credit institutions and/or CICs.

10.   You have read over and understood these terms and conditions, or you acknowledge that these terms and conditions have been explained to you in your native language, if you cannot read and understand English. If any dispute arises between you and us out of these terms, such dispute shall be settled by a sole arbitrator through arbitration in Mumbai.