Privacy Policy

Last updated: December 17, 2024

Introduction

Thank you for using RatingOK.com. We are committed to protecting your personal information and respecting your privacy. If you have any questions or concerns about this privacy policy or how we handle your personal information, please contact us at info@ratingok.com.

When you visit our website, https://www.ratingok.com (the “Website”) or use any of our services, we value your trust in sharing your personal information with us. We take privacy seriously. In this notice, we explain what information we collect, how we use it, and what rights you have regarding it. Please read this notice carefully, as it is important. If you don’t agree with any part of it, please stop using our Services.

This privacy notice applies to all information we collect through our Services, as well as any related services, marketing, or events.

Information We Collect

Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Services.

We automatically collect certain information when you visit, use or navigate the Services. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information. This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.

Like many businesses, we also collect information through cookies and similar technologies.

During your use of the Web application, we will collect such information from you, including but not limited to:

  • Your name, address, date of birth, contact information, billing information, marital status, and other personal details.
  • Details regarding your employment, income, and other employment-related data.
  • Credit-related information from third-party sources like credit bureaus.
  • Your unique identifiers such as username, preferences information, and transaction history.
  • Information you provide directly to us, such as emails or calls made to our customer support.
  • Device information, including IMEI code, phone model, and operating systems used.
  • Clickstream data, including pages browsed, products viewed, and other interactions on the Website.

The information we collect will depend on the products and services we offer. If you do not allow us to collect all the requested information, we may not be able to provide certain services effectively.

Information Collected Through Our App

If you use our App, we may collect information regarding your mobile device, push notifications, and other device-specific data:

  • Mobile Device Access: We may request access to certain features from your mobile device, such as contacts, camera, or location.
  • Mobile Device Data: We collect device-specific information such as your mobile device ID, model, operating system, and internet protocol (IP) address.
  • Push Notifications: We may request permission to send you push notifications related to your account or specific features of the App.

This information is primarily needed to maintain the security and operation of our App, for troubleshooting, and for internal analytics and reporting purposes.

Express Consent for Communication

By providing us with your personal details, you expressly consent to be contacted by us (including through our marketing channels and business partners) via SMS, calls, WhatsApp, email, and/or RCS messaging for communication related to the services we provide, product knowledge, and promotional offers. If at any time you wish to withdraw consent, you can email us at info@ratingok.com.

Please allow up to 72 hours for us to process your request and purge your personal information from our records.

Use of Information

We use the information you provide to:

  • Establish identity and assess applications.
  • Monitor, improve, and administer our Website and Services.
  • Design customized products and services.
  • Analyze how our services are used and improve them.
  • Send communications regarding products or services requested or queries you have made.
  • Comply with country laws and regulations.
  • Conduct KYC for third-party partners.

We will retain your information as necessary to comply with legal obligations, resolve disputes, and enforce agreements.

How We Keep Your Information Safe

We aim to protect your personal information through organizational and technical security measures, including encryption and access control. We have implemented multiple layers of security to safeguard your account and prevent unauthorized access.

Please do not share your login details, passwords, or OTP with anyone to ensure your account remains secure.

Links to Other Websites

Our Website may contain links to third-party websites or applications. This Privacy Policy applies only to our Website and Services, so we recommend reviewing the privacy policies of other websites before providing any personal information.

Disclosure of Information

We may share your information with third parties under confidentiality agreements for providing Services. We are not responsible for breaches of security or actions by third parties who receive your personal information.

We may disclose your information to financial service providers, banks, or NBFCs and third-party partners to provide services, conduct data analysis, or comply with legal obligations.

Cookie Policy

A “cookie” is a small file stored by your browser to enhance your experience on our Website. We may use cookies to track usage patterns and provide a more personalized experience. No personal data will be collected via cookies unless you have previously provided it.

Updates to This Privacy Notice

We may update this Privacy Notice from time to time to comply with relevant laws and regulations. We will indicate the updated date and the changes will take effect immediately upon posting.

Contact Us

If you have any questions or comments about this Privacy Policy, please contact us at:

  • Email: info@ratingok.com
  • Address: A-108, Patel Nagar-2,
    Near Shaheed Sthal Metro,
    Ghaziabad, UP 201001